Drop your $ChimeSign. Join the community. Get swag.

Drop your
Join the
Get swag.

Swag terms and conditions ›

Why join? Scroll to see all the reasons

Member recognition

You’re out there Boost4Boostin’ and helping others. Share your Chime love—you could be insta-famous. You deserve it.

I love Chime because it has allowed me to find structure in my finances and guide me to a healthier credit score. Chime also provides resources and a supportive community.


I received a BOOST from a stranger on Instagram a few months back. Within a few minutes, I had 4 new “boost buddies” and in the 1st of the month like clockwork we boost one another! The Boosts are lifesavers in a pinch!! I boost my new friends because you never know who needs it.


I absolutely 💯% love being part of the Chime community!!

Terra Jess

Being able to save back money and was able to have a chime credit builder to help with my credit Chime makes me feel relived that there is a banking that cares for there community Chime has always been there in rough times and with them having spot me and referral bonuses is a win for me.

Lisa Siegman

SpotMe boost has been such a life saver. When it’s the day before payday and your gas tank is on empty it’s nice knowing that chime has your back not only that, but the community behind the boost program. You can always count on chime coming in clutch. I boost everyone I can because I know how helpful it’s been to me!

Molly Odwyer

Being a part of the Chime community makes me feel supported and secure.

Stephanie Green

I'm taking advantage of Credit Builder to help build my credit thank you again and all the Chime users for supporting this amazing community and service also #EverythingIsFineWhenYouGotChime

Anastasia Maynor

You guys were constantly helping out my little family going through covid and with deposits so far apart. I’m thankful I was able to find such a great banking community that takes amazing care of their banking family!

Alexandria Sanchez

My friend had introduced me to Chime, and that's when everything had changed for me! I am so blessed to be a part of the family. ❤️


Being part of the Chime community makes me feel great!

Francisco Diaz

Swipe to explore →

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank N.A.; Members FDIC

Love Chime?
Everyone wants to know why

Try starting with something like:

“I love chime because ____”
“Chime saved me when ____”
“I choose Chime because ____”

Free swag

When you join, you gotta look the part. Drop your $ChimeSign to get a Chime-infused goodie pack.

Thanks @Chime. I ❤️ the gifts! 🎁💚#ChimeCrew


@Chime y'all ALWAYS surprise me 🥹 I can't wait to put it all on 😍. Thank You All ♥️ #Chimecrew


Thanks for the cap. #chimecrew


Thank you for hooking me up! Will be rocking my #ChimeCrew this weekend💚💚@Chime


#chimecrew@Chime thank you so much 💚💚💚🙏🏻🤟🏻


Swipe to explore →

Swag content may vary

Coming soon

Early sweeps nudges

We’ll say it—we love giving away cash prizes. Join the community to get the early jump on $weeps.

I love Chime bc it makes moments like this possible. With the detailed account info, budgeting tips in app, and quicker access to payday funds I’m able to budget my money easier and actually have a savings to be able to afford trips & make memories. #whichime $msparkermsparker


The Realest #WhyIChime


@Chime #ChimePridePaysSweeps yay!!!!! Thank you!!!!! I’m so excited!!!!! Going towards my rental deposit! Love you guys!


@chime @theshoesurgeon
#chimexrsgn JUST GOT MY CHIME AIR JORDAN 1’s wha yall think!? I think these ❤️‍🔥🔥🔥🔥🔥


Swipe to explore →

Chime member resources

How do I find my $Chimesign in the Chime app?

Learn more

How will I know if I win a Chime sweeps?

Find out

Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is 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 cards are accepted. The Chime Visa® Credit Builder Card and the Chime Visa® Cash Rewards Card are issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see 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 an external website. The privacy policies of the external website may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing any personal.

To receive the Chime Crew Community swag kit, Chime members must enter their personal $ChimeSign in the designated webpage field. One Community Hub swag kit per eligible Chime member while supplies last. Click here for full terms and conditions.

To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

SpotMe® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Credit Builder Account. SpotMe on Debit is an optional, no fee overdraft service attached to the Chime Checking Account available to qualifying members after Visa debit card activation. Both SpotMe on Credit and SpotMe on Debit are sometimes collectively referred to as "SpotMe" or, if you have signed up to use SpotMe with only one account, "SpotMe" means the elected service. To qualify for SpotMe, you must receive $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 Secured Deposit Account (associated with your Chime Credit Builder credit card) up to $20, but may be later 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 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, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe Debit Terms and Conditions and SpotMe on Credit Terms and Conditions.

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.

© 2013-2023 Chime. All Rights Reserved.