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 Debit Card

Families - Sign up for a Chime
Visa® Debit Card!

Forget about monthly service fees or overdraft fees with the Chime® Debit Card. Sign up for free, and we’ll ship you a Visa® Debit Card with access to over 60,000 fee-free ATMs.¹

No monthly fees or maintenance fees

Over 60,000 fee-free ATMs1

Real-time transaction alerts

Chime Visa Debit Card - free to sign up!

Families, here’s 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 60,000 fee-free ATMs.1

Visa® Debit Card – free to apply

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

1 / 5

Customizable debit card security

  • Turn on notifications to get real-time transaction alerts
  • Block transactions from the app if you lose your debit card

2 / 5

Use mobile payments with Chime debit card - supports Google Pay and Apple Pay

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™

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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

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Use your Visa debit card to withdraw cash at 60,000+ fee-free atms

Over 60,000 fee-free ATMs1

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

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Chime® Visa Debit Card vs. our competitors

Chime®
Wells Fargo®
Chase®
Monthly service fee
$0
Up to $354
Up to $357
Fee-free ATMs
60,000+1
~11,0005
15,000+8
Overdraft fees
$0
Up to $356
Up to $347
International transaction fee
$0
Up to 3%6
Up to 3%7
Monthly service fee
Chime®
$0
Wells Fargo®
Up to $354
Chase®
Up to $357
Fee-free ATMs
Chime®
60,000+1
Wells Fargo®
~11,0005
Chase®
15,000+8
Overdraft fees
Chime®
$0
Wells Fargo®
Up to $356
Chase®
Up to $347
International transaction fee
Chime®
$0
Wells Fargo®
Up to 3%6
Chase®
Up to 3%7

How families can get a Chime® Visa Debit Card in a few steps

Debit Card resources

What is a debit card?

What's a debit card?

Find out
credit card vs. debit card

Credit card vs debit card

Learn more

Still have questions about Chime 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 and account 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 deposit9 or bank transfer. Find out more ways to move money into Chime®.

You can also deposit10 cash into your Chime Debit Card 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 have reached your SpotMe®11 limit (if enrolled), then your Chime Visa® Debit Card will be declined. There is no fee for declining transactions or for utilizing SpotMe.

How many fee-free ATMs accept the Chime Debit Card?

You can get cash with your debit card at more than 60,000+ fee-free ATMs1 – that’s more than the top 3 national banks combined! 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 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.

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.

The use of any third-party trademarks, logos, or trade names are for informational purposes only and do not imply an endorsement by the owner.

Apple Pay is a trademark of Apple Inc.

Google Pay and Android are trademarks of Google LLC.

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 September 26, 2023: https://www.wellsfargo.com/checking/compare-checking-accounts/

5 Data pulled from Wells Fargo: ATM Tour as of September 26, 2023:
https://www.wellsfargo.com/atm/tour/

6 Data pulled from Wells Fargo: Consumer and Business Fees as of September 26, 2023:
https://www.wellsfargo.com/online-banking/service-fees/

7 Data pulled from Chase Additional Banking Services and Fees for Personal Accounts as of September 26, 2023:
https://www.chase.com/content/dam/chase-ux/documents/personal/checking/ABSF-en.pdf

8 Data pulled from Chase ATMs as of September 26, 2023:
https://www.chase.com/digital/atms

9 Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member's direct deposit enrollment status.

10 Once the retailer accepts your cash, the funds will be transferred to your Chime Checking Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.

11 SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

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