Chime® is a financial technology company, not a bank. Banking services, credit, and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

How Do You Open an Account Online Through Chime?

Chime Team • September 15, 2023

Whether you want to open your first checking account or switch to a new one, you may be wondering, “How long does it take to open an account?” or, “What do I need to open an account?” You may not know what steps to take.

Here’s the good news: it’s easy to open a new checking account online. If you want to open an online account, there are multiple convenient options, including Chime. Chime offers a Checking Account with no monthly fees and access to over 60,000 fee-free ATMs¹ to make managing your money a breeze.

#1 most-loved banking app™~

  • Over 1,000,000+ five-star reviews on Google Play & Apple Store
  • Send and receive money fee-free
  • Deposit checks from anywhere
Get Started

How to open a Chime online checking account in 3 simple steps


If you’re ready to open an online account through Chime, you can set up your account in about two minutes. The best part? It’s completely free to apply. Here’s what you need to do:

1: Enter your personal information

To apply for a Chime Checking Account, you’ll need to enter the following:

  • Your first and last name
  • Social security number (SSN)
  • Phone number
  • Date of birth
  • Address
  • Email and a password

This helps verify your identity to minimize money laundering and fraud. After your information is reviewed and confirmed, you’re in! 

We will also ask you a few questions like “What do you do for work?” and “How did you hear about us?”

Note: All members must be a citizen or a permanent resident of the U.S.

2: Download the Chime app

Chime offers an online checking account and a mobile banking app. You can download the app from the Google Play Store or Apple App Store.

With Chime, you can sign up for a Checking Account, high-yield savings account,* and apply for a secured Chime Credit Builder Visa® Credit Card to build credit history. 

From your mobile app, you can:

  • Deposit your money
  • Manage your transactions
  • View your balance

Your Chime Checking Account also comes with a Chime Visa Debit Card.

3: Set up direct deposit with Chime

You can easily set up direct deposit by providing your employer with your Chime routing and account numbers, on your direct deposit form. You can find this information in the app under SettingsDirect deposit setup, as well as the Move Money section, under Move your direct deposit

If you’re switching accounts or don’t currently receive direct deposit, you can make a transfer from another account to your new Chime Checking Account to add funds.

Manage your money with Chime’s online checking account, all from your phone

Once you’ve deposited money into your Chime Checking Account, you’re ready to go! You can start to use your card, view your balance, and stay on top of your money with custom alerts. 

Here are some benefits of banking through Chime:

By using Chime, you can effortlessly manage your money on the go. If you also open a savings account, you can turn on Automatic Savings features to save more without thinking about it.

Opening an online checking account through Chime is as easy as 1-2-3. If you’re ready to make the switch, follow the above steps to join the Chime family! 💚

#1 most-loved banking app™~

  • Over 1,000,000+ five-star reviews on Google Play & Apple Store
  • Send and receive money fee-free
  • Deposit checks from anywhere
Get Started

Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Please see the back of your Card for its issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

Third-party trademarks referenced for informational purposes only; no endorsements implied.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

* Chime Checking Account is required to be eligible for a Savings Account.

1 Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

2 SpotMe on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

~ Chime is recommended by more of its users than that of any brand per 2023 Qualtrics® NPS score.

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