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 and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by 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.

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.

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. Please see back of your Card for its issuing bank.

*SpotMe won’t cover non-debit card purchases, including ATM withdrawals, ACH Transfers, Pay Friends transfers, or Chime Checkbook transactions. Chime SpotMe is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher limit of up to $100 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. SpotMe won’t cover non-debit card purchases, including ATM withdrawals, ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See terms and conditions.
^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
˜Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply.
⁺ 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 December 9, 2020. No minimum balance required. Must have $0.01 in savings to earn interest.
#June 2020 Overdraft Fees Report https://www.responsiblelending.org/sites/default/files/nodes/files/research-publication/crl-overdraft-covid19-jun2019.pdf
◆ You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer

Chime
P.O. Box 417
San Francisco, CA 94104-0417

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