Banking that has your back

Scroll to the bottom for details on SpotMe*, early pay day^ and fees˜.

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. Credit Builder card issued by The Bancorp Bank, N.A. or Stride Bank, N.A.

Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC

350,000+ 5-Star app reviews

"Chime has your back!"

The “SpotMe*" option helps me to still get my groceries when I'm short with no overdraft fees... Everything is done online and efficiently.

★★★★★
Kelly, App Store Review

Real Member, Sponsored Content

"Trustworthy and secure"

You can call customer service and get a live representative. And your security and privacy is their number one concern. I recommend this app to everybody Chime is the best…

★★★★★
David, App Store Review

Real Member, Sponsored Content

"Super intuitive to use!"

Love it! Everything is so easy and INSTANT! Turn on and off card? Instant! Texts after spending? Instant!…

★★★★★
Austin, App Store Review

Real Member, Sponsored Content

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.