$10 coming in hot 🔥
Enter your promo code and activate your debit card within 30 days of enrolling.
Limits apply. See terms and conditions.**
Click for details on SpotMe*, early pay dayˆ, & Credit Builder Visa® Secured Credit Card.1
Your account shouldn't cost you money
no overdraft fees
no minimum balance
no monthly service fees
no foreign transaction fees
no transfer fees
Get paid up to 2 days earlyˆ with direct deposit
No monthly fees
Grow your savings automatically
24/7 live support, with a real human
Chime Checking Account and Visa® Debit Card
Your Chime Checking Account comes with a debit card to use 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.
Chime Credit Builder Visa® Credit Card
Help increase your credit score by an average of 30 points with our new secured credit card.2 Eligibility requirements apply.3
Safe, secure & trusted by millions
Your deposits are FDIC insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC and protected by strong encryption.
Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is 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 cards are accepted. The Chime Visa® Credit Builder Card and the Chime Visa® Cash Rewards Card are 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.
**To be eligible for the Debit Card Activation Promotion, beginning November 1, 2021 and ending December 31, 2021, the New Enrollee must: (1) have never enrolled in Chime and never previously opened a Chime Checking Account; (2) obtain a promotional code from one of Chime’s Official Partners, or have received a direct mailer from Chime containing a promotion code for the Debit Card Activation Promotion; (3) enter the promotional code on either the Debit Card Activation Promotion landing page, or within the designated field labeled “Promo code” when taking steps to enroll in Chime; and (4) activate their new Chime Visa® debit card within 30 days of enrolling in Chime. New Enrollees may only receive one (1) reward. New Enrollees who satisfy the above conditions will receive a ten dollar ($10.00) credit to their Chime Checking Account within ten (10) business days after activating their new Chime Visa® Debit card. Chime reserves the right to cancel or modify the Debit Card Activation Promotion terms or terminate the New Enrollee’s eligibility at any time with or without prior notice. Credits of $10 or more shall be reported on tax form 1099-INT. Banking services provided by Stride Bank, N.A. or The Bancorp Bank, N.A., Member FDIC.
1Credit Builder To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $200 or more to your Checking Account within the last 365 days of your application. The qualifying direct deposit must have been made by your employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Bank ACH transfers, Pay Friends transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, and cash loads or deposits are not qualifying direct deposits.
2Credit Score Increase based on a representative study conducted by TransUnion®, members who started using Chime Credit Builder in September 2019 observed a median credit score (VantageScore 3.0) increase of 30 points by January 2020. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
3Security Deposit Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
See terms and conditions.
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