Get a Chime Visa® Debit Card online.

Applying for a Chime Debit Card is free and signing up for an account takes less than 2 minutes. Here’s how to apply online:

• Visit chime.com to apply and enter your personal info to complete the enrollment. You’ll need:

  • Your first and last name

  • Phone number

  • Date of birth

  • Email address and an account password

  • Social Security number

  • Home address

  • 18+ U.S. Citizen or resident of 50 United States

• Once enrollment is completed, we’ll send a Chime Visa® Debit Card in the mail to the address you provided. Your free 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 Checking Account. You can also log in to online banking at chime.com whenever you need it.

Chime does not require a credit check to open an account and receive a Chime Debit Card.

You just received your Chime Debit Card in the mail. Welcome! To activate your Visa^® debit card:

• Log in to your account.

• You should see a card status widget that reads, “Your card was delivered.” Tap the

  Activate

  button.

• If you do not see this button, ask the Chatbot “Activate my card”.

You’re all set! Now you can start using your free Chime Debit Card in stores. If you have any problems activating your Chime Debit Card, contact our call center at 1-844-244-6363.

Your Chime Visa^® Debit Card works everywhere Visa^® debit cards are accepted.

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

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

You can get cash with your debit card at more than 50,000+ fee-free ATMs – that’s more than the top 3 national banks combined! Bank ranking and number of ATMs according to U.S. News & World Report^® 2023.

Find fee-free ATMs at your favorite retail stores like Walgreens^®, CVS^®, and 7-Eleven^®. Enjoy fee-free debit card 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.

To see your routing number and account number, go to Move Money and select Direct Deposit in the Chime app or at chime.com.

To see your card number, go to Settings, scroll down to Account info, and select your card under View cards.

The Chime Debit Card is a Visa^® debit card.

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, N.A. or Stride Bank, N.A., Members FDIC.

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.

In the meantime, you can continue to make purchases using your virtual debit card.

The easiest way to activate any Chime card is via the Chime app (version 3.3 or later):

• After you log in, you should see a card widget at the top of the app that says “Card Status”

• In the widget, you should see a big green button that says “Activate Card”

• If you do not see this button, ask the Chatbot “Activate my card”. Chatbot is available from the top of the home screen.

If you have any problems activating your Chime card, contact our call center at 1-844-244-6363.

Chime cards are backed by Visa’s Zero Liability Policy¹¹. Members can shop worry-free at millions of locations, knowing they’re not responsible for unauthorized charges if their Chime Visa® Debit Card or Chime Credit Builder Secured Visa® Credit Card is lost, stolen, or fraudulently used, online or offline. Members must notify Chime immediately of any unauthorized use. For specific restrictions, limitations, and other details, please consult your issuer.

To have money available on your debit card, you’ll need to add money to your checking account. There are many ways to do so.

One option is to 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.

Another way to add money to your checking account is through a mobile check deposit or bank transfer. Read our help article for full instructions.

You can also deposit cash into your Chime Checking Account¹² at several participating stores.