Chime Visa® Debit Card

Chime Visa® Debit Card

When you open a Chime Spending Account, you get a free debit card with no hidden fees that you can manage entirely from our highly rated mobile banking app. 

Debit Card

Forget hidden debit card fees

Hidden fees don’t help you, so we don’t have them. Our debit card works anywhere Visa is accepted and we offer free debit card replacement. There are no minimum balance requirements and no monthly fees. 

automatically save money

Grow your savings as you spend

Saving money is a no-brainer with Chime. Every time you swipe your debit card, we round up to the nearest dollar and transfer the round-up from your Spending Account straight into your Savings Account. A magical, little way to make your money grow over time.

mobile app

You’re always in control

Can’t find your Chime debit card? No worries. You can instantly disable transactions in the app. No need to call us or explain yourself. And if you need a replacement card, just let us know. Debit card replacement is always free!

Apple Pay Google Pay app

We love mobile payments

We support mobile payment platforms including Apple Pay™ and Google Pay™. Combining your Chime debit card with mobile pay means you can leave your wallet at home.

Learn more about our other banking features

  • Get fee-free overdraft with SpotMe¹
  • Direct deposits arrive up to 2 days early²
  • Grow your savings, automatically
  • Access cash at 38,000+ fee-free ATMs

Get Started Today

Applying for an account is free and takes less than
2 minutes with no impact to your credit score.


Chime Debit Card

How do I open a Chime Spending Account and get a Visa® Debit Card?

Opening a bank account through Chime is free and it takes less than 2 minutes. Here’s how to apply online:

  • Visit and enter your personal info and complete the enrollment.
  • Once enrollment is completed, we’ll send a Chime Visa® Debit Card in the mail to the address you provided. Your new debit card typically arrives in 7-10 business days.

Download our mobile banking app, and log in. You can connect your existing bank account to transfer funds or set up direct deposit to your Spending Account. You can also login to online banking at whenever you need it.

Do I need a credit check to apply for a Chime debit card?

Chime does not require a credit check to open an account and receive a Chime debit card.

Does the Chime debit card have a chip?

Your Chime Visa Debit Card comes equipped with the latest EMV chip technology to make your debit card more secure.

How many ATMs accept the Chime debit card?

Chime has more ATMs than the top three largest big banks combined. You can get cash at over 32,000 MoneyPass and Visa Plus Alliance ATMs throughout the United States. 

Where will my Chime debit card work?

Your Chime Visa Debit Card debit card works everywhere Visa is accepted.

What if my Chime debit card if lost, stolen, or misplaced?

If you need a new debit card, tap the “Replace My Card” button in the Card Settings of your Chime app! You will be asked whether your card was Lost, Stolen, or Damaged. After confirming your address a replacement card will arrive within two weeks. Keep an eye out for a green envelope with a Salt Lake City, Utah return address!

Does Chime offer prepaid debit cards?

Chime does not offer a prepaid debit card, however, Chime is a full-featured deposit account that is a great alternative to prepaid cards. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers through the Automated Clearing House (ACH) Network. Deposits are FDIC insured to at least $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC.

Debit Cards 101

What is a debit card?

A debit card is a card issued by a bank and is used to make in-person and online purchases. It’s linked to your checking account and withdraws money directly.

Every debit card comes with security and privacy features, including a unique ID number, security code, expiration date, magnetic strip, and often an embedded chip. They also have a four-digit pin number that’s required when making purchases for added protection.

What is the difference between a debit card & a prepaid debit card?

A prepaid debit card only lets you spend money that has been preloaded onto the card. They can be useful tools for people who may have trouble opening a checking account or controlling their spending but prepaid cards also have limitations and often come with fees. Chime is a full-featured deposit account and debit card. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers through the Automated Clearing House (ACH) Network. Chime accounts are insured up to the standard maximum deposit insurance amount of $250,000 through our partner bank, The Bancorp Bank, a member of the FDIC.

What is a chip card?

Chip cards come with an embedded metal microchip that encrypts customer information by using a one-time code during every purchase to complete the transaction. This added layer of security makes theft and fraud much more difficult.

Can you use a debit card for online purchases?

Yes, you can use a debit card to make purchases anywhere in the payment network where the card’s distributing company is accepted (typically Visa and Mastercard). When you make a purchase online with your debit card, you’ll need to provide the 16-digit card number that’s located on the front of the card, the expiration date, and your billing address. You’ll likely also be asked for a CCD, CVV or ‘security code,’ which is a three or four digit number found on the back of the card.

Banking Services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank 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 is 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.

Please note: 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 information.

¹ Chime SpotMe is an optional, no fee service that requires that you receive $500 in direct deposit a month to qualify to overdraw your account up to $20 on debit card purchases. Chime, in its sole discretion, may allow you to withdraw your account up to $100 or more based on your Chime Account history, direct deposit history and amount, spending activity and other risk-based factors. Your Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your Limit. Your Limit may be increased or lowered at any time by Chime.
² 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. Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

© 2013-2020 Chime. All Rights Reserved.