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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.
Banking that has your back
Scroll to the bottom for details on SpotMe*, early pay day^ and fees˜.
Learn how we collect and use your information by visiting our Privacy Notice
Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC
Chime is an award-winning mobile banking app and debit card.
Get paid up to 2 days early with direct depositˆ
No hidden bank fees˜
Fee-free overdraft for eligible members*
Grow your savings automatically
Signing up takes 2 minutes
350,000+ 5-Star app reviews
Fee-Free Overdraft with SpotMe
Traditional banks took $11 Billion in overdraft fees in 2019. At Chime, we do things differently. We will allow you to overdraw up to $100* on debit card purchases without charging a fee.
Get your paycheck early
Set up Direct Deposit and receive your paycheck up to 2 days earlier than some of your co-workers!^
Say goodbye to unnecessary fees
No overdraft fees. No minimum balance requirements. No monthly service fees. No foreign transaction fees. No transfer fees. Over 38,000 fee-free MoneyPass and Visa Plus Alliance ATMs.˜
Grow your savings, automatically
Reach your goals faster by saving money automatically. Our Automatic Savings features help you save money any time you spend or get paid.
Get 0.50% Annual Percentage Yield⁺ when you open a Chime Savings Account
You work hard for your money. We’ll make it work for you. One simple rate. No minimum balance requirement, no maximums on interest earned. And no fees.
Security and control on the go.
Chime’s mobile app makes branchless banking a breeze. Manage your money and account on the go, wherever you go.
Your deposits are insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank; Member FDIC.
Shop worry-free at millions of merchants. Chime debit cards are protected by the Visa Zero Liability.◆ Policy to ensure that cardholders will not be responsible for unauthorized charges.
Over 38,000 fee-free ATMs and 30,000 cash-back locations˜.
Real-time alerts for every banking transaction.
Automatic Savings takes the effort out of saving.
No minimum, monthly, or overdraft fees.