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

Chime Visa® Debit Card

Get a Chime Visa® Debit Card online.

  • No monthly fees or maintenance fees
  • Over 50,000 fee-free ATMs¹
  • Real-time transaction alerts
Chime Visa Debit Card

A debit card you can count on.

Unlock your financial future with a Chime Visa® Debit Card. Avoid replacement fees or maintenance fees, control your debit card security from your app, and get cash from over 50,000 fee-free ATMs.1

Visa® Debit Card – free to sign up.

  • Your new Chime Debit Card works anywhere Visa® is accepted
  • Start using your virtual debit card right away for online purchases
  • No minimum balance requirements or account maintenance fees

1 / 5

Customizable debit card security.

  • Get real-time transaction alerts
  • Disable transactions from the app if you lose your debit card
  • Still missing? Use the app to order a replacement card

2 / 5

Pay with your phone.

Leave your wallet at home. Connect your Chime Debit Card to your mobile device. Enjoy quick, secure mobile payments with platforms like Google Pay™ and Apple Pay™.

3 / 5

Grow your savings automatically.

Turn on Round Ups to transfer the change from every purchase to your savings account.2 Use Save When I Get Paid to save a percentage of every paycheck automatically.3

4 / 5

Over 50,000 fee-free ATMs.1

Withdraw cash with your debit card at Walgreens®, 7-Eleven®, and CVS Pharmacy®, and Circle K. Check the app or our website to find a fee-free ATM near you.

5 / 5

Chime Debit Card vs. 
our competitors.

Chime
Wells Fargo4,5,6
Chase7,8
Overdraft fee
$0
Up to $35
Up to $34
Monthly account service fee
$0
Up to $35
Up to $35
International transaction fee
$0
Up to 3%
Up to 3%
Fee-free ATMs
50,000+
12,000
16,000
Overdraft fee
Chime
$0
Wells Fargo4,5,6
Up to $35
Chase7,8
Up to $34
Monthly account service fee
Chime
$0
Wells Fargo4,5,6
Up to $35
Chase7,8
Up to $35
International transaction fee
Chime
$0
Wells Fargo4,5,6
Up to 3%
Chase7,8
Up to 3%
Fee-free ATMs
Chime
50,000+
Wells Fargo4,5,6
12,000
Chase7,8
16,000

How to get a Chime Debit Card in a few steps.

Debit card resources.

What is a debit card?

What is a Debit Card?

Find out
credit card vs. debit card

Credit card vs debit card

Learn more

Still have questions about debit cards?

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

Applying for a Chime Debit Card is free and applying 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.

Do I need a credit check to get a Chime Debit Card?

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

How do I activate my 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.

Where can I use my Chime Debit Card?

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

Does my 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 do I add money to my Chime Debit Card?

There are many ways to add money to your debit card.

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 debit card is through a mobile check deposit or bank transfer. Read our help article for full instructions.

You can also deposit cash into your Chime Debit Card9 at several participating stores. 

Will I ever be charged an overdraft fee through Chime?

No. If you do not have sufficient funds in your Chime Checking Account or your Credit Builder Secured Deposit Account, or have reached your SpotMe limit (if enrolled), then your Chime Visa® Debit Card or Chime Credit Builder Card will be declined. There is no fee for declining transactions or for utilizing SpotMe.

How many ATMs accept the Chime Debit Card?

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.

How can I see the direct deposit account or card number for my debit card?

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.

Is a Chime card Visa® or Mastercard®?

The Chime Debit Card is a Visa® debit card.

Does Chime offer free 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, N.A. or Stride Bank, N.A., Members FDIC.

What if my Chime Debit Card is 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.

Can you activate a Chime card over the phone?

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.

Does my Chime Debit Card include any insurance?

Chime cards are backed by Visa’s Zero Liability Policy. 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.

What are the requirements for a Chime Debit Card?

You’ll need the following information to sign up for a Chime Debit Card: your first and last name, a phone number, your date of birth, an email address, an account password, a valid Social Security number, and your home address. You must be an 18+ U.S. Citizen or resident of the 50 United States. Once you enroll, we’ll mail a Chime Visa® Debit Card to the address provided. Your free debit card usually arrives in 7-10 business days.

What's the difference between a debit and a credit card?

Debit cards withdraw money directly from your account. Credit cards charge a line of credit that you pay back later and can come with interest charges. Think of a credit card as a loan – you are borrowing money from the card issuer that needs to be paid back according to the bank’s terms. Unless you pay your balance back in full within a month, you’ll be charged interest on the amount. When you use your debit card, you pay with money you already have. Because the money comes directly from your checking account, you don’t have to pay interest when using your debit card.

What is a debit card?

Debit cards are plastic payment cards that draw money from an individual’s checking account every time they are used. A debit card might also be called a check card, bank card, or ATM card. There are also several different types of debit cards and unique features you can explore. 

Here are some key facts about debit cards you should know: 

  • Debit cards replace cash and checks. 
  • Debit cards can be used at ATMs to make withdrawals and check account details. 
  • You may or may not need to enter a personal identification number (PIN) to make a purchase.
  • Debit cards may have fees you should be aware of (like ATM transaction fees).

How does a debit card work?

Like cash, checks, and credit cards, debit cards let you pay for things. But with a debit card, the money comes directly out of your bank account when you use it. The card is connected to your account, and your spending limit is based on your available funds. 

Whether you swipe your card or punch in its numbers online, you’re telling the merchant to deduct the total amount from your checking account. That communication happens through your card’s payment network. 

Once your card’s payment network makes contact with your banking provider, a pre-authorization hold is put on your account to reserve the transaction amount until authorization.

How can I avoid debit card fees?

Many traditional banks have a monthly account minimum that must be kept for their customers to avoid any monthly charges or fees. Some times when you may incur a debit card fee include: when your balance is low, when you deposit or withdraw money, when you overdraw your account, or when you order a replacement card.

To avoid debit card fees, follow the guidelines of your financial institution regarding their fees. Debit card options may come with different fees, so you can also research what debit cards come with the fewest fees.

Chime has no minimum balance, monthly service fees, replacement card fees, or overdraft fees. You may pay a fee when using your debit card at out-of-network ATMs.

How do I use a virtual debit card?

A virtual credit card is a credit card number that consumers can use to pay for most things online. The credit card is completely digital, so there’s no physical card.

Many virtual credit cards allow users to set a maximum spend or charge limit on the card to prevent the account from being overcharged. You can also limit a virtual credit card number for use at a single merchant, so that the card can’t be used elsewhere if the merchant is breached.

Chime’s virtual card can be used for Tap2Pay transactions, online purchases, and recurring bill payments until your physical card arrives in the mail. To find it, go to Settings in the Chime app and tap Cards.

Read more about how to request and use a virtual debit card from your financial institution.

What’s the difference between a normal debit card and a prepaid debit card?

A prepaid card is a card that can be loaded with funds that aren’t linked to a bank account. The user can spend up to the amount of money on the card. These prepaid forms of payment are often used as gifts and rewards, but people with limited access to standard banking options, as well as those with limited budgets, often use them instead of a debit card.

A prepaid card is different from a debit card based on the fact that you don’t need a bank account to have a prepaid card. Prepaid cards tend to include a lot of fees. For example, you’ll often be charged fees for initial setup, monthly maintenance, reloading your card, using an ATM, and more. Find out how prepaid cards compare to debit cards and credit cards.

What’s the best debit card?

Choosing the debit card that is the “best” means you should select a free debit card that has features and capabilities that will best support you, whether that’s a large fee-free ATM network, fee-free overdraft, mobile money management, an EMV chip, or custom card security features. 

At Chime, we profit with our members, not off of them. Through our banking partners, we offer a debit card with no monthly maintenance fees, fee-free overdraft, access to 50,000+ fee-free ATMs, and no minimum balance requirements. Sign up for Chime in 2 minutes.

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 purchaeses?

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.

Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are 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 and credit cards are accepted. Please see the 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 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.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

Third-party trademarks referenced for informational purposes only; no endorsements implied.

1 Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

2 Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your Savings Account.

3 Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your Savings Account.

4 Data pulled from Wells Fargo: Compare Checking Accounts as of November 2, 2022: https://www.wellsfargo.com/checking/compare-checking-accounts/

5 Data pulled from Wells Fargo: ATM Tour as of November 2, 2022: https://www.wellsfargo.com/atm/tour/

6 Data pulled from Wells Fargo: Consumer and Business Fees as of November 2, 2022: https://www.wellsfargo.com/online-banking/service-fees/

7 Data pulled from Chase Additional Banking Services and Fees for Personal Accounts as of September 20, 2023: https://www.chase.com/content/dam/chase-ux/documents/personal/checking/ABSF-en.pdf

8 Data pulled from Chase ATMs as of November 22, 2022: https://www.chase.com/digital/atms

9 Once the retailer accepts your cash, the funds will be transferred to your selected Chime Account. Barcode and debit card cash deposits land in the Checking Account. Credit Builder card cash deposits first go through your Card Account and then land in your Secured Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.

^ Early Payday/Get Paid Up to Two Days Early 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.

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