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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.
How it works
The download on Chime starts here.
Make financial progress with Chime in a few easy steps.
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Learn how we collect and use your information by visiting our Privacy Notice
Chime is unlike any other banking app.
Chime® believes banking should be helpful, easy, and free. That’s why Chime doesn’t rely on overdraft fees, monthly service fees, or minimum balance requirements. If this sounds unlike your current banking app, it’s time to switch to Chime.
You earned your money, so you deserve to keep it. We believe an online checking account with no monthly fees should be available to everyone. And that’s why Chime is the #1 Most Loved Banking App™3
Long, boring setup process? Not here.
Two minutes— that’s all you need to set up your Chime account. The best part? It’s completely free to sign up. Since time is money, we make the steps easy, quick, and secure.
1. Fill in the basics.
First, we’ll ask your first and last name, your date of birth to verify that you’re over 18, and an email to connect you to your account.
2. Confirm your account.
Next, we’ll ask for your phone number, home address, and a password. We use this information to protect your account, mail you your card(s), and to keep in touch.
3. Verify your identity.
To make sure you’re you, we’ll ask for your social security number (SSN). This won’t affect your credit score and your information is secured by strong encryption.
What’s next?
Get the app and start using your account.
Get all the perks of the Chime mobile banking app. Check your balance on the go, pay your bills online, and transfer money to and from external bank accounts.
Get Chime’s best features when you direct deposit.
You’ll unlock access to MyPay, SpotMe®️ fee-free overdraft up to $2005, Get Paid Early6, and more.
Open a Chime Checking Account in 2 minutes.
No credit check. No opening deposit requirement. No monthly fees.
Have questions about Chime?
Who can use Chime?
Individuals 18 years or older with a valid social security number and a resident of the United States are welcome to apply.
What type of account am I opening when I enroll with Chime?
Chime is a full-featured checking account. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers.
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
Deposits in deposit accounts opened through Chime are insured up to the standard maximum deposit insurance amount of $250,000 through our partner banks, The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Chime is a financial technology company, not an FDIC-insured bank. Deposit insurance covers the failure of an insured bank.
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 50,000+ ATMs5.
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 Checking Account may impose their own fees per transaction.
What is Chime’s ATM Network?
We have a network of 50,000+ fee-free in-network ATMs7 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.
Is the money in my Chime Account FDIC insured?
Deposits in deposit accounts opened through Chime are insured up to the standard maximum deposit insurance amount of $250,000 through our partner banks, The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Chime is a financial technology company, not an FDIC-insured bank. Deposit insurance covers the failure of an insured bank.
Is Chime secure?
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.
Does Chime charge other fees?
Chime charges a fee if you withdraw cash from out-of-network ATMs or make over the counter (OTC) withdrawals. The fee is $2.50, and again, it only applies to out-of-network ATMs or OTC withdrawals.
You can withdraw cash without a fee at more than 50,000 Allpoint or Visa Plus Alliance ATMs or MoneyPass ATMs located in retailers you love, like Target and inside 7-Eleven locations. MoneyPass® ATMs not in a 7-eleven location will be subject to fee(s). Refer to your Chime app on how to find in-network ATMs.
Cash deposits4 are fee-free for Chime members at checkout counters at Walgreens and Duane Reade stores. Cash deposits made at other locations may incur a fee, which is charged by the merchant and not Chime.
While there is no mandatory fee to use MyPay and you can receive your advance fee-free within 24 hours of requesting it, you have the option to get your MyPay advance instantly for a $2.00 fee.
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.² 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.
When do I receive my Chime Visa® Debit Card after I open a Chime Checking Account?
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.
How does Chime make money?
Chime makes money primarily by collecting a portion of something called an interchange fee. An interchange fee (also called a swipe fee) is a fee that’s designed to cover the cost of processing debit or credit card transactions electronically. The merchant that accepts a debit or credit card as payment pays an interchange fee back to the card issuer. This is how Chime can continue building new and better products that help members get the most from their money.