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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.

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.

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.

Applying for a Chime Debit Card is free and signing up 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.

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*.

You can get cash with your debit card at more than 50,000+ fee-free ATMs – that’s more than the top 3 national banks combined! Bank ranking and number of ATMs according to U.S. News & World Report^® 2023.

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.

No. If you do not have sufficient funds in your Chime^® Checking Account, or have reached your SpotMe² limit (if enrolled), then your Chime Visa^® Debit Card will be declined. There is no fee for declining transactions or for utilizing SpotMe^®.