Banking that has your back™

At Chime, we’ve created a new approach to online banking that doesn’t rely on fees^~, gets you your paycheck up to 2 days early with direct deposit^{^} ,  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 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, N.A. or Stride Bank, N.A.; Members FDIC.

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 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.

U.S. Citizen or legal resident 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, no monthly service fees, no minimum balance 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 50,000+ ATMs.

Please note that third-party services, such as money transfer services used to deposit funds or out-of-network ATM. You can access your money at 50,000+ in-network fee-free ATMs*.

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!

When you open a Chime Checking 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.

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 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 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 Credit Builder Visa^® Credit Card – all while enjoying the benefits of online banking and mobile banking. Eligibility requirements apply for Credit Builder 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. 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 60,000+ fee-free in-network ATMs. Out of Network ATM fees apply. See Chime.com for more details.

Direct deposit is an easy way to deposit funds into your Chime Checking Account. Enrolling in direct deposit through Chime has an added benefit too: you are eligible to receive your paycheck up to 2 days early!¹

We also support mobile check deposits⁵ and electronic transfers from other institutions by linking an external bank account in the Chime mobile app.

Got cash? Depositing˜ cash into your Chime Checking Account is quick and easy. We’ve teamed up with Walgreens^® to bring you free cash deposits at 8,000+ locations. Money appears in your Checking Account after you’ve made your deposit through a retail location.

Cash deposits can also be made to your Chime Checking Account at over 75,000 other retail locations such as Walmart, CVS, and 7-Eleven. (Note: These retailers may charge a fee per deposit)

˜ The retailer that receives your cash will be responsible to transfer the funds for deposit into your Chime Checking Account. Cash deposit fees may apply if using a retailer other than Walgreens.

You can use our Pay Anyone feature to send money to Chime members instantly, and free! To use the Pay Anyone feature, simply log into your Chime mobile app and select the ‘Move Money’ tab, then select ‘Pay Anyone’. 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.

We have a network of 50,000+ 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.

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.

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 Checking 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.

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.

Our Member Services team is standing by to help you 24/7 with any issues or concerns. Head to our help page to learn how to contact our experts with any Chime questions.

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.

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

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.

If you do not recognize a transaction in your Checking Account or Credit Builder, we ask that you temporarily block your debit card and/or credit card:

• Use the Chime mobile app or log in to your account at www.chime.com.
• Go to Settings, Account Settings and turn off Allow transactions. This feature immediately prevents new purchases and ATM transactions on your Chime Visa Debit Card account and/or Chime Credit Builder Secured Visa Credit Card.
• Contact us immediately in one of these ways:
• Call us at 1-844-244-6363
• Use the Chime mobile app to contact our support team

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

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