Online checking account

Chime has no minimum balance, monthly fees, or overdraft fees. We don’t believe in profiting from our members’ misfortune. We want to keep everything out in the open so you know exactly what fees we may charge, which are listed below.

All fee amounts will be withdrawn from your Chime Checking Account. They will be assessed as long as there is a remaining balance in your Chime Checking Account, except where prohibited by law.

Any time your remaining balance is less than the fee amount being assessed, the balance of your Chime Checking Account will be applied to the fee amount. This results in a zero balance on your Chime Checking Account.

You can also find this fee schedule in our Account Agreement.

*If you use an ATM that is not a MoneyPass ATM in a 7-Eleven, Inc. location, an Allpoint ATM, or a Visa Plus Alliance ATM for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator even if you do not complete a withdrawal. This ATM fee is a third-party fee amount assessed by the individual ATM operator only and is not assessed by us. This ATM fee amount will be charged to your Checking Account.

No. If you do not have sufficient funds in your Chime Checking Account, or have reached your SpotMe limit (if enrolled), then your Chime Visa® Debit Card will be declined. There is no fee for declining transactions or for utilizing SpotMe.

There are multiple ways to deposit money into your checking account.

You can set up direct deposit by providing your Chime routing and account number to your employer or payroll provider. Your routing number can be found in the Move Money and Settings sections of the Chime app or at chime.com. You can also have a direct deposit enrollment form emailed to you from the Move Money section of the Chime app.

We will only post deposits that are sent under your name. All others will be returned to the sender.

Early direct deposit may provide you with access to your paycheck up to two days early.³ Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically.

You can also add money to your Chime Online Checking Account through a bank transfer or a mobile check deposit. Read our help article for full instructions.

You can also deposit cash into your Chime account⁵ at participating locations. Open the question below for more information on cash deposits!

You can deposit cash in your Chime Checking Account⁵ at over 75,000 retail locations with our cash deposit partners. Ask the cashier to make a deposit directly to your Chime Checking Account. You can make up to 3 deposits every 24 hours. You can add up to $1,000 every 24 hours for a maximum of $10,000 every month.

You can deposit cash⁵ to your Chime Checking Account at Walgreens locations, including Duane Reade locations, without fees. Other third-party money transfer services that are used to add funds to your Chime Checking Account may impose their own fees or limits such as:

• Fees per transaction 
• Daily, weekly, or monthly limits on the frequency or the amount of cash you may add to the Chime Checking Account
  

Here are some of the many other retailers that accept cash deposits, with their own applicable fees:

• Walmart
• 7-Eleven
• Speedway
• Dollar General
• Family Dollar
• CVS
• Rite Aid
• Pilot Travel Centers (Pilot Flying J)
• Holiday Station Stores
• Circle K Stores
• GPM Investments
• Sheetz Incorp
• TA Operating LLC (Travel Centers of America)
• Royal Farms
• Cumberland Farms Corp
• Kwik Trip Inc
• Krause Gentle (Kum & Go)
  

When you deposit cash to your Chime Checking Account, it is transferred by a third party to your account. Your funds will be FDIC insured through The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC once the bank holding your account receives the funds from the third party.

This depends on how we receive the money! Here’s how it works:

Direct deposit:

With the early direct deposit feature, your direct deposit will be posted to your Chime Checking Account as soon as it is received from your employer or payer. If you have questions about the timing of your direct deposit please contact your employer.

Bank transfer initiated through the Chime mobile app or website:

5 to 7 business days from the date the transfer was initiated (Monday-Friday) excluding federal holidays.

Bank transfers from an external account:

These deposits are typically received within 3 (three) business days from the date the transfer was initiated by the originating bank. Once the funds are applied to your Checking Account, they will have same day availability. Refer to the originating bank for more information on their transfer time frames.

Debit Card:

Within minutes of a successful transaction.

Cash deposit at a retail location:

Within 2 (two) hours of a successful transaction.

When you deposit cash to your Chime Checking Account, it is transferred by a third party to your account. Your funds will be FDIC insured through The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC,  once the bank holding your account receives the funds from the third party.

We understand that purchases don’t always meet expectations. When this happens, often, the fastest way to fix the problem is to request a refund to your online checking account from the merchant directly. If you contacted a merchant about a problem with your purchase and they agreed to issue credit back to you, your money may take 3 to 5 business days to post to your Chime Checking Account or Chime Credit Builder Secured Visa Credit Card.

If you already tried working with the merchant and weren’t able to fix the problem, you can file a dispute using the Chime mobile app.

You will not be charged overdraft fees when you have a Chime Checking Account. Our optional SpotMe service allows you to overdraft your account up to your personal limit, which can be up to $200.²

If you overdraft your online checking account without SpotMe or you exceed your SpotMe limit, we’ll simply decline the transaction. But don’t worry, you still won’t pay any fees.

Chime accounts are insured up to the standard maximum deposit insurance amount of $250,000 through our partner banks, Stride Bank, N.A. or The Bancorp Bank, N.A., Members FDIC.

A checking account is a type of bank account that allows you to withdraw and deposit money easily. You can think of it as your go-to account for daily transactions and for depositing your paycheck.

Checking accounts provide easy access to your money to pay your bills and for routine purchases like gas and groceries.

Some people choose to open a checking account at a brick-and-mortar bank. Opening an online checking account through Chime will give you access to many helpful features accessible directly in our mobile app and on our website.

There are a few basic requirements to open an online checking account. Here are three things you’ll need to open an account:

• Social Security number
• Valid home address
• 18+ U.S. Citizen or resident of 50 United States

Depending on where you decide to open a checking account, you may also need:

• Valid driver’s license or passport
• Phone number
• Utility bill with home address visible
• Valid email address

More and more online banking apps and traditional banks are offering checking accounts that are free to open. They may have reduced fees and helpful features, and since Chime launched our SpotMe®² feature and proudly refused to charge overdraft fees, many others have followed suit.

In addition to not charging a fee to open the account, Chime’s online checking account  has no monthly service fees, no overdraft fees*, and no minimum balance requirements.