Banking that has
your back^®

At Chime, we’ve created a new approach to online banking that doesn’t rely on fees,³ gets you your paycheck up to 2 days early with direct deposit,¹ and helps you grow your savings automatically. When you open a bank account through Chime, you get a Visa^® Debit Card and a Checking Account that can be managed entirely from your smartphone, plus an optional Savings Account that can help you grow your savings automatically! The Chime mobile banking app is available on both Android and iOS.

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.⁴

Our mission is to unite everyday people to Unlock Financial Progress^™. We’re doing that by changing the way people feel about banking. Chime’s business was built on the principle of protecting our members and making managing your money easy. We’ll never profit from your misfortune or mistakes and everything we build is focused on improving our member’s lives.

Chime makes money from the interchange fee charged on card transactions. Every time you use your Chime Visa^® Debit Card and your secured Chime Visa^® Credit Card for purchases and paying bills, Visa processes the transaction and charges an interchange fee to merchants for the service. Chime receives a portion of this fee. This is how Chime can continue building new and better products that help members get the most from their money.

Legal residents of the United States 18 years and older are welcome to apply! While Chime cards work all over the world, currently we can only offer accounts to members with a valid SSN, living in the United States and District of Columbia.

We have no fees to sign up, no overdraft fees, no monthly or annual fees, and no minimum balance fees. Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products. Learn more here.

Yes! Chime’s SpotMe feature lets you make card purchases and cash withdrawals that overdraw your account with no overdraft fees.⁵ Limits start at $20 and can be increased up to $200. We’ll spot you when you need that little extra cushion to cover an expense. Learn more here!

When you open a Chime Checking Account you get a Chime Visa^® Debit Card that can be used at any merchant that accepts Visa. Your Chime Debit Card can also be used with mobile-payment providers such as Apple Pay^®, Google Pay^® or Samsung Pay^®. Other features our members love about our Chime Visa^® Debit Card are instant transaction notifications anytime your card is swiped, the ability to instantly block your card and order a replacement Debit Card all from within the Chime mobile app.

The secured Chime Visa^® Credit Card is our fee-free cash back secured credit card that helps you build your credit history, get unlimited 1.5% cash back on rotating categories when you direct deposit, and unlock the best of Chime’s fee-free banking. Unlike traditional credit cards, the Chime Card helps you build credit with no annual fees and no interest.⁶ There’s also no credit check to apply. The money you move to your Chime Card is how much you can spend with the card.⁷ Unlike other secured credit cards, that money can be used to pay off your monthly balances. Since Chime Card has a pre-set limit of $250,000, and does not report utilization, you can use this card for everyday purchases and it won’t contribute to a high-utilization record on your credit history. Learn more about how Chime Card works.

After you open a Checking Account, we get started on personalizing your new Chime Visa^® Debit Card. Your Chime Visa^® Debit Card is usually placed in the mail within one (1) business day after you open your Checking Account. It can take 7 to 10 business days for your Chime Visa^® Debit Card to arrive at your home address.

If you don’t have your Chime Visa^® Debit Card within 10 business days after opening your Checking Account, please contact our Member Services team at 1-844-244-6363.

Chime is not a bank. Chime is a financial technology company that offers banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. Chime members can have a Checking Account with an optional Savings Account, and can grow their credit history by applying for a secured Chime Visa^® Credit Card – all while enjoying the benefits of online banking and mobile banking. Eligibility requirements apply for Chime Card. To apply for a Chime Card, you must also open a Chime Checking Account.

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. Chime is also not a prepaid card. Through its bank partners, Chime offers a full-service Checking Account with a Chime Visa^® Debit Card for spending and using at 47,000+ fee-free in-network ATMs.² OON ATM fees apply and over the counter fees may apply. See Chime.com for more details.