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

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

Chime Debit Card

Chime Spending Account and Visa® Debit Card

Your Chime Spending Account comes with a debit card, no monthly fees or maintenance fees.

Debit Card

Forget about confusing fees for using your Debit Card or Spending Account

Our debit card works everywhere Visa debit cards are accepted. And unlike some prepaid cards and traditional bank accounts, there are no monthly account fees and minimum balance requirements. Out-of-network cash withdrawal fees apply.

automatically save money

Grow your savings as you spend

Saving money is a no-brainer through Chime online banking. 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.

60,000+ fee-free ATMs at stores you love3

Avoid out of network ATM fees. With Chime, you get access to 60,000+ fee-free ATMs—more than the top 3 national banks combined! Find them at stores you love, like Walgreens®, CVS®, and 7-Eleven®. You can also use the map in your Chime app to find the closest fee-free ATM near you.

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 SpotMe. Eligibility requirements apply¹
  • Direct deposits arrive up to 2 days early²
  • Grow your savings, automatically
  • Access cash at 60,000+ fee-free ATMs³

Get Started Today

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

Questions?

Chime Debit Card Debit Cards 101

Chime Debit Card

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

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

  • Visit chime.com 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 chime.com whenever you need it.

Do I need a credit check to apply for a Chime Spending Account or to get 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?

You can get cash at more than 60,000+ fee-free ATMs – more than the top 3 national banks combined! Including ATMs at popular retail stores like Walgreens®, CVS®, 7-Eleven®, and Target®.

Get fee-free transactions at any Moneypass ATM in a 7-Eleven location and at any Allpoint or Visa Plus Alliance ATM. Otherwise, out-of-network ATM withdrawal fees may apply. ATM withdrawals will be fee-free at all Moneypass ATMs until at least August 7, 2021.

Where will my Chime debit card work?

Your Chime Visa Debit Card debit card works everywhere Visa debit cards are 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 offers 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. Some debit cards also have a four-digit pin number that can be used when making purchases for added protection.

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

The difference between a prepaid card and a debit card can be confusing. Prepaid cards let you spend the money that has been preloaded onto the card, while debit cards draw funds from a linked bank account. Both prepaid cards and debit cards may have limitations and often come with fees. Chime offers 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 banks, The Bancorp Bank and Stride Bank, N.A., Members 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. 

Can you use a debit card for online purchases?

Typically debit cards can be used for online purchases with any merchant that accepts the network name on your card.  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 or back of your 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.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

1 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher 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 limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See Terms and Conditions.

2 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.

3 Get fee-free transactions at any Moneypass ATM in a 7-Eleven location and at any Allpoint or Visa Plus Alliance ATM. Otherwise, out-of-network ATM withdrawal fees may apply. ATM withdrawals will be fee-free at all Moneypass ATMs until at least August 7, 2021.

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