1 Chime® is a financial technology company, not an FDIC-insured bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.
The Chime Visa® Debit Card and the secured Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Please see the back of your Card for its issuing bank.
*SpotMe® for Credit Builder is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “SpotMe”). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.
Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe® won't cover non card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe Terms and Conditions.
SpotMe® Boosts: Boosts are available to eligible Chime members enrolled in SpotMe® and are subject to monthly limits.
^ Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
~Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM."]
2 Chime Checking Account is required to be eligible for a Savings Account.
+To be eligible for the $10.00 Chime Visa® Debit Card activation promotion (the “Promotion”) monetary reward, the participant (“Participant”) must: (1) have never previously opened a Chime Checking Account (“Account”) before participating in this Promotion; (2) obtain a valid promotional code from either one of Chime’s official affiliate partners via webpage, email, or audio or through a Chime direct mailer for the Promotion; (3) enter the promotional code into the designated field labeled “Promo Code” on the specified promotional webpage when taking steps to enroll for an Account and receive a success notification; (4) successfully open an Account; and (5) activate their physical Chime Visa® Debit Card within 30 days of opening an Account. Participants will receive a physical Chime Visa® Debit Card in the mail at the mailing address they provide. Eligible Participants may only receive this promotional reward once. Participants who satisfy the above conditions will receive a $10.00 credit to their Account typically within ten (10) business days after activating their new physical Chime Visa® Debit Card. This Promotion will run through December 31, 2025 or as otherwise designated by Chime. Chime reserves the right to amend the Promotion duration and may permit Participants to enter a valid promo code after the listed date. In the event that the Promotion has ended, Participants will receive a “not a valid promo code” error message after they enter the applicable promotional code, so that the Participant knows they are not eligible for the monetary reward prior to enrolling in an Account. Chime reserves the right to cancel or modify the Promotion terms or terminate the Participant’s eligibility at any time with or without prior notice. An Account may be available to citizens or legal permanent residents of the fifty (50) United States (“U.S.”) or the District of Columbia; who are at least 18 years of age with a valid Social Security number; and who provide Chime with a U.S. residential street address (not a P.O. Box). Credits of $10 or more shall be reported on tax form 1099-INT. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
Chime
P.O. Box 417
San Francisco, CA 94104-0417
Address: 101 California Street, Floor 5, San Francisco, CA 94111, United States.
No customer support available at HQ. Customer support details available on the website.
© 2013-2024 Chime Financial, Inc. All rights reserved.
Address: 101 California Street, Floor 5, San Francisco, CA 94111, United States.
No customer support available at HQ. Customer support details available on the website.
© 2013-2025 Chime Financial, Inc. All rights reserved.
