The download on Chime starts here.

U.S. Citizen or legal resident of the United States 18 years and older are welcome to apply! While Chime cards work all over the world, currently we can only offer accounts to members with a valid SSN, living in the United States and District of Columbia.

Chime is a full-featured checking account. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers.

Chime gives you:

• A Chime Visa^®

• Debit Card

• An FDIC-insured deposit account that can be managed entirely from your smartphone

• An optional Savings Account that helps you save money without thinking about it

Deposits in deposit accounts opened through Chime are insured up to the standard maximum deposit insurance amount of $250,000 through our partner banks, The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Chime is a financial technology company, not an FDIC-insured bank. Deposit insurance covers the failure of an insured bank.

We don’t believe in unnecessary fees or profiting from our members’ misfortune. We have no fees to sign up, no overdraft fees, no monthly service fees, no minimum balance fees, no transaction fees, and no card replacement fees either. We do charge one fee ($2.50) when you get cash from either an over the counter withdrawal, or an out-of-network ATM that is not part of Chime’s fee-free network of 47,000+ ATMs⁹.

Please note that third-party services, such as money transfer services used to deposit funds or out of network ATM used to withdraw funds to your Chime Checking Account may impose their own fees per transaction.

We have a network of 47,000 ATMs⁹ for Chime members. Get fee-free transactions at any MoneyPass ATM in a 7-Eleven location and at any Allpoint or Visa Plus Alliance ATM. To find a fee-free ATM near you, download the Chime mobile app and tap on ATM map. You can also search our ATM network.

Deposits in deposit accounts opened through Chime are insured up to the standard maximum deposit insurance amount of $250,000 through our partner banks, The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Chime is a financial technology company, not an FDIC-insured bank. Deposit insurance covers the failure of an insured bank.

Our top priority is protecting our members. We use 128-bit AES encryption, access control, and security processes to ensure your money is always safe with Chime. If you notice an unauthorized transaction, you can disable transactions on your Chime card immediately in the settings section of the Chime app and website to prevent further unauthorized card transactions.

Chime charges a fee if you withdraw cash from out-of-network ATMs or make over the counter (OTC) withdrawals. The fee is $2.50, and again, it only applies to out-of-network ATMs or OTC withdrawals.

You can withdraw cash without a fee at more than 47,000 Allpoint^® or Visa Plus Alliance^® ATMs or MoneyPass^® ATMs located in retailers you love, like Target^® and inside 7-Eleven^® locations. MoneyPass ATMs not in a 7-Eleven location will be subject to fee(s). Refer to your Chime app on how to find in-network ATMs.

Cash deposits⁶ are fee-free for Chime members at checkout counters at Walgreens and Duane Reade stores. Cash deposits made at other locations may incur a fee, which is charged by the merchant and not Chime.

While there is no mandatory fee to use MyPay and you can receive your advance fee-free^* within 24 hours of requesting it, you have the option to get your MyPay advance instantly for a $2.00 fee.

Yes! Chime’s SpotMe feature lets you make card purchases and cash withdrawals that overdraw your account with no overdraft fees.⁷ Limits start at $20 and can be increased up to $200. We’ll spot you when you need that little extra cushion to cover an expense. Learn more here!

After you open a Checking Account, we get started on personalizing your new Chime Visa Debit Card. Your Chime Visa Debit Card is usually placed in the mail within one (1) business day after you open your Checking Account. It can take 7 to 10 business days for your Chime Visa Debit Card to arrive at your home address.

If you don’t have your Chime Visa Debit Card within 10 business days after opening your Checking Account, please contact our Member Services team at 1-844-244-6363.

Chime makes money from the interchange fee charged on card transactions. Every time you use your Chime Visa^® Debit Card or Credit Builder Secured Credit Card for purchases and paying bills, Visa processes the transaction and charges an interchange fee to merchants for the service. Chime receives a portion of this fee. This is how Chime can continue building new and better products that help members get the most from their money.