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

Banking that
helps Americans
get ahead

In 2020, Americans paid billions in overdraft fees alone¹. It’s clear: Millions need a new way to bank. Through partnerships with regional banks, Chime helps these people build stable financial foundations and get ahead.

Click for details on overdraft fees¹, SpotMe*, and early pay dayˆ

Eligible members can overdraw their account up to $200.* Saving billions in overdraft fees annually.²

Get Paid Early

Members can get access to paychecks, benefits, and government stimulus direct deposits earlier than some traditional banks^. We provide free access to billions in early pay each month.

Credit Builder

A secured credit card without annual fees or interest. Adds 30 points on average to members’ credit scores.3

High Yield Savings

Our high yield savings account offers .50% APY4. Automatic savings features help members save tens of millions each month.

We want to profit with our members, not off them.

That’s why we don’t rely on fees5. Our revenue comes primarily from the small amount we earn from Visa when our members pay with their Chime Visa® card.

Protecting our members

Chime provides our members unmatched convenience with the security of and FDIC-insured bank account up to $250,000 through The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

Chime is better for…

Everyday Americans

A fast, simple, reliable mobile solution designed to help people who aren’t being served well by traditional banks.

Our Communities

We don’t rely on fees – this helps our members build wealth, invest in their futures and support their local economies.

Banking System

Providing banks with technology and tools encourages competition in the sector, creating better options for consumers, drives innovation and defuses risk.

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

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to an external website. The privacy policies of the external website may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing any personal.

1Overdraft Fees In 2020, Americans paid more than $30 billion in overdraft fees alone:

2 Based on eligible members use of SpotMe x $33 average overdraft fee from 2018 to 2020 based on Bankrate Checking Account Fee Study

2 30 point increase: Based on a representative study conducted by TransUnion®, members who started using Chime Credit Builder in September 2019 observed a median credit score (VantageScore 3.0) increase of 30 points by January 2020. Impact to score may vary, and some users' scores may not improve.

4 The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of June 21st, 2021. No minimum balance required. Must have $0.01 in savings to earn interest.

5 Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply.

* SpotMe® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Credit Builder Account. SpotMe on Debit is an optional, no fee overdraft service attached to the Chime Checking Account available to qualifying members after Visa debit card activation. Both SpotMe on Credit and SpotMe on Debit are sometimes collectively referred to as "SpotMe" or, if you have signed up to use SpotMe with only one account, "SpotMe" means the elected service. To qualify for SpotMe, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month.

Qualifying members will be allowed to overdraw their Chime Checking Account and/or Secured Deposit Account (associated with your Chime Credit Builder credit card) up to $20, but may be later eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe Debit Terms and Conditions and SpotMe on Credit Terms and Conditions.

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