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

Banking that has your back

Get paid up to 2 days early with direct deposit.¹ Say goodbye to hidden bank fees². Grow your savings, automatically.

Frequently Asked Questions

The Basics

What is Chime?

At Chime, we’ve created a new approach to online banking that doesn’t rely on fees2 , gets you your paycheck up to 2 days early with direct deposit1 ,  and helps you grow your savings automatically. When you open a bank account through Chime, you get a Visa Debit Card® and a Spending Account that can be managed entirely from your smartphone, plus an optional Savings Account that helps 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 or Stride Bank, N.A.; Members FDIC.

What is Chime's mission?

Our mission is to make financial peace of mind a reality for everyone. 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.

How does Chime make money?

Chime makes money from the interchange fee charged on card transactions. Every time you use your Chime Visa® Debit Card or Credit Builder Secured 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.

Who can use Chime?

U.S. Citizens 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.

Does Chime charge any fees?

We don’t believe in unnecessary fees or profiting from our members’ misfortune. We have no fees to sign up, no overdraft, no monthly or service fees, no minimum balance fees, no transaction fees, and no card replacement fees either. We do charge one fee ($2.50) when you get cash from either an over the counter withdrawal, or an out-of-network ATM that is not part of Chime’s fee-free network of 60,000+ ATMs

Please note that third-party services, such as money transfer services used to deposit funds or out of network ATM used to withdraw funds to your Chime Spending Account may impose their own fees per transaction.

Does Chime have Fee-Free Overdrafts?

Yes! Chime’s SpotMe feature lets you make debit card purchases and cash withdrawals that overdraw your account with no overdraft fees.3  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!

What type of cards does Chime offer?

When you open a Chime Spending Account you get a Chime 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 PayTM, Google PayTM or Samsung PayTM. 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 Chime Credit Builder Visa® Credit Card is our no fee, no interest, secured credit card that helps you build your credit. Unlike traditional credit cards, Credit Builder helps you build credit with no fees and no interest. There’s also no credit check to apply.  The money you move into Credit Builder’s secured account is the amount you can spend on the card. Unlike other secured credit cards, that money can be used to pay off your monthly balances. Since Credit Builder doesn’t have a pre-set limit, spending up to the amount you added won’t contribute to a high-utilization record on your credit history. Learn more about how Credit Builder works.

When do I receive my Chime Visa Debit Card after I open a Chime Spending Account?

After you open a Spending 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 Spending Account. It can take 5 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 Spending Account, please contact our Member Services team at: support@chime.com

 

Is Chime a real bank?

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

Is Chime a real bank or prepaid card?

Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Chime is also not a prepaid card. Through its bank partners, Chime offers a full-service spending account with a Chime Visa® Debit Card for spending and using at 60,000+ fee-free in-network ATMs. Out of Network ATM fees apply. See Chime.com for more details.

Getting Started

How do I add money to my Chime Spending Account?

Direct deposit is the easiest way to add funds to your account. Enrolling in direct deposit with Chime has an added benefit too: you are automatically eligible to receive your paycheck up to 2 days early!¹

We also support mobile check deposit and electronic transfers from other institutions by linking an external bank account and in the Chime mobile app.

Cash deposits can also be made to your Chime Account at over 90,000 retail locations such as Walmart, CVS, and 7-Eleven.

Can I send money to family/friends?

You can use our Pay Friends feature to send money to Chime members instantly, and free! To use the Pay Friends feature, simply log into your Chime mobile app and select the ‘Move Money’ tab, then select ‘Pay Friends’. You will then be prompted to enter in either the receiver’s name, phone number or email, or you can select them from your contacts.

What is Chime's ATM Network?

We have a network of 60,000+ fee-free in-network ATMs for Chime members. Get fee-free transactions at any Moneypass ATM in a 7-Eleven location and at any Allpoint or Visa Plus Alliance ATM. To find a fee-free ATM near you, download the Chime mobile app and tap on ATM map. You can also search our ATM network.

 

Can I send paper checks?

Although fewer checks are being written these days, we understand that some bills like rent, credit cards, student loans, and other payments sometimes require you to pay with a check.

To assist our members in these situations, we offer the Chime Checkbook feature!

Can I deposit paper checks with Mobile Check Deposit?

Chime will determine if you are eligible for the Mobile Check Deposit feature based on the history of any Chime-branded accounts you have, direct deposit history, and direct deposit amounts and other risk-based factors.

For example, Chime currently offers mobile check deposit to members who receive a qualifying direct deposit of $1.00 or more. Mobile check depositing will be automatically enabled in your Chime app within a few days of receiving the deposit. You may receive access to Mobile Check Deposit based on other risk-based factors.

How do I pay bills using my Chime Spending Account?

You can set up direct debit payments with billers who offer this option by providing your account and routing number to the merchant.

Direct debits are immediately removed from your Spending Account when requested by a biller and do not place any hold on your funds. If your balance is not sufficient to cover the payment, it will be declined. There are no limits or fees associated with direct debits.

How do I invite friends to join Chime?

We currently offer a referral bonus every time you refer someone new to Chime using your referral link, and they receive a single qualifying direct deposit of $200 or more!* Your friend must enroll and receive a single qualifying direct deposit of $200.00 or more within 45 days of opening their new account. The direct deposit can come from their employer, payroll provider, or benefits payer via Automated Clearing House (ACH). If the terms are complete, both you and your friend will get $100 each! You can find the link for inviting everyone you know in your Chime app.

You can also copy-and-paste your invite link and share it on Facebook, Instagram, or Twitter.

Referral Incentives

Occasionally, we’ll offer different incentives to invite your friends to join Chime. We’ll notify you through email or in the Chime mobile app when a referral offer is available.

Chime Customer Service

Our Member Services team is always happy to help! You can reach us 24/7 via the customer support tab in the Chime app, or by email at support@chime.com.

Our phone specialists are available through our customer service number at 844-244-6363. Our hours of operations are:

• Monday-Sunday: 3am-11pm CST

 

Security

What is your security policy?

Our top priority is protecting our members. We use 128-bit AES encryption, access control, and security processes to ensure your money is always safe with Chime.  If you notice an unauthorized transaction, you can disable transactions on your Chime card immediately in the settings section of the Chime app and website to prevent further unauthorized card transactions.

Are my deposits insured by the FDIC?

Chime bank accounts are insured up to the standard maximum deposit insurance amount of $250,000 through our partners, The Bancorp Bank or Stride Bank, N.A., Members FDIC.

Can you use your Chime Visa Debit Card in other countries?

You can use your Chime Debit Card anywhere Visa cards are accepted, including outside the U.S. and with no foreign transaction fees! International transactions can be enabled or disabled in the settings menu found in the Chime mobile banking app.

What do I do if I don't recognize a transaction in my Spending or Savings Account?

If you do not recognize a transaction in your Spending or Savings Account, we ask that you temporarily block your card:

  1. Use the Chime mobile app or by log in to your account at www.chime.com.
  2. Go to Settings and turn off Chime Card Transactions.
    This feature immediately prevents new purchases and ATM transactions on your Chime Visa Debit Card account.
  3. Contact us immediately in one of several ways:
  • Call us at 1-844-244-6363
  • Use the Chime mobile app to contact our support team
  • Email support@chime.com

What type of account is my Chime account?

Chime is a full-featured deposit account. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers through the Automated Clearing House (ACH) Network.

Chime gives you:

  • A Chime Visa® Debit Card
  • An FDIC-insured deposit account that can be managed entirely from your smartphone
  • An optional Savings Account that helps you save money without thinking about it

Chime bank accounts are insured up to the standard maximum deposit insurance amount of $250,000 through our partners, The Bancorp Bank or Stride Bank, N.A., Members FDIC.

Where can I find more information on your policies?

You can check out our privacy practices, Account Agreement, and all the legal information pertaining to your account here: Privacy Policies

Get Started Today

Applying for an account is free and takes less than
2 minutes with no impact to your credit score.

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank 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 is 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.

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.

1 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.

2 Out-of-network ATM withdrawal fees apply except at MoneyPass ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM. Other fees such as third-party and cash deposit fees may apply.

3 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See Terms and Conditions.

4 Cash deposits to a Chime Spending Account are funds transfers made by third parties (who may impose their own fees or limits) and are FDIC-insured up to applicable limits once received by the bank holding the account.

* Referral Bonus: In order for the referring Chime member (“Referrer”) to qualify and receive the $100.00 monetary referral reward and $10.00 temporary SpotMe Base Limit increase referral reward, and for the referred person (“Referred”) to qualify and receive the $100.00 monetary referral reward, all of the following conditions must be satisfied: (1) Referrer is part of the SpotMe Referral Incentive referral reward campaign; (2) Referred has not previously opened a Chime Spending Account (“Account”); (3) Referred opened the new Account using the Referrer’s unique referral link; and (4) Referred received in the new Account a qualifying direct deposit of $200.00 or more within 45 calendar days of opening. The qualifying direct deposit must be made by the referred individual’s 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. Members may earn no more than $50.00 in SpotMe Base Limit referral increase and may earn no more than $1,000.00 in monetary referral rewards per calendar year (January 1, 2021 - December 31, 2021 and January 1, 2022 – December 31, 2022). No member’s SpotMe limit may exceed $200. Any Referrer SpotMe Base limit increase referral reward will expire 184 calendar days from the Referred receiving a qualifying direct deposit. If an eligible Referrer loses Base Limit eligibility, and the Referred completes the above conditions, the Referrer will receive the $10 temporary SpotMe limit increase referral reward only upon regaining Base Limit eligibility. If conditions (1) – (3) listed above are met between August 17, 2021 and September 17, 2021, both the Referrer and the Referred will each receive a $5 monetary referral reward; limit $100 per calendar year for the Referrer. The Referrer may refer no more than twenty (20) persons using their unique referral link. In the event the Referrer refers additional persons in excess of 20 persons, neither the Referrer or the Referred will earn the $5 monetary referral reward. Referral rewards will generally be provided within two (2) business days after all the above conditions are met. Referred individuals acknowledge that payment of any referral reward may result in the Referrer’s knowledge of the Referred’s establishment of a new Account. Chime reserves the right to cancel or modify the terms of any referral reward offer or terminate a member's eligibility at any time with or without prior notice. Credits of $10 or more will be reported on tax form 1099-INT for new members (Referred). Credits of $600 or more will be reported on tax form 1099-MISC for referring Chime members (Referrers). Banking services are provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC.

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