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Open your fee-free Chime checking account today. Sign up in minutes.

Chime banking app showing $1,246.91 balance, savings of $821.45, and cash back features, with a black Visa card on green background.
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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

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Chime banking app showing $1,246.91 balance, savings of $821.45, and cash back features, with a black Visa card on green background.

From day one, you get:

  • No monthly fees or minimum balance requirement

  • No overdraft fees

  • 47,000+ fee‑free ATMs (see disclosure 1)

  • 24/7 live support, with a real human

  • Your paycheck up to 2 days early with direct deposit (see disclosure 2)

  • Overdraft coverage up to $200 (see disclosure 3)

Rewards that grow with you

Open your fee-free (see disclosure 4) Chime checking account today in just minutes. With qualifying direct deposits, enjoy:

Icon of a money stacked.

5% cash back (see disclosure 5)
with Chime Card

Illustration of a piggy bank.

4.00% APY (see disclosure 6)
on your savings 

Illustrated icon representing direct deposit, money and a calendar.

Access up to $1000 (see disclosure 7)
of your pay before payday

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$100+ Instant Loan (see disclosure 8)

Fastest access if eligible

New black Chime Visa Signature credit card with contactless payment chip and yellow "NEW" starburst label in corner.

Build credit stress-free. Earn cash back.

  • Unlock 5% cash back (see disclosure 5) when you enroll in Chime Card

  • Grow your credit by up to 70 points (see disclosure 9)

  • Up to $1,150 in annual rewards (see disclosure 10)

  • No annual fees or interest (see disclosure 11)

Learn More

How it works

1

Sign up in minutes

Click ‘Get started’ or download the Chime app.

Black Chime Visa card next to mobile app showing $1,246.91 balance, Get Paid Early and High Yield Savings options on green background.
2

Set up direct deposit

It’s easy to set up in just a few minutes.

Mobile banking app screen showing "Set up direct deposit" page with routing and account numbers and copy buttons.
3

Deposit more, get more

The more you deposit, the more rewards you can unlock.

A dark-themed mobile app screen displaying "Your benefits" with green icons for Higher APY, 5% cash back, Card upgrade, and Premium perks.

We take security seriously.

Smartphone displaying Security Center with 100% completion of security tasks, showing green progress circle, high security, and completed steps.

Real-time alerts

Chime allows you to receive instant transaction alerts anytime you use your Chime Card.

Visa® Zero Liability

Chime cards are backed by Visa’s Zero Liability Policy. (see disclosure 12) You're covered if your card is lost, stolen, or fraudulently used.

24/7 Priority Support

Chime Prime™ members get access to priority support, 24/7 with a live human.

Privacy and Security

We support two-factor authentication and support fingerprint authentication.

We're changing the way you feel about money.

Join the millions of members on Chime and feel good about your finances.

Corey, member since 2020.

With Chime I'm saving hundreds of dollars a year.

Corey, member since 2020

Real member. Paid testimonial.

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FDIC Insured

Deposits are FDIC-insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. This protects your deposits if an FDIC-insured bank fails. (see disclosure 13)

FAQs

What is Chime®?

At Chime, we’ve created a new approach to online banking that doesn’t rely on fees, (see disclosure 4)  gets you your paycheck up to 2 days early with direct deposit, (see disclosure 2)  and helps you grow your savings automatically. When you open a bank account through Chime, you get a Visa® Debit Card and a Checking Account that can be managed entirely from your smartphone, plus an optional Savings Account that can help you grow your savings automatically! The Chime mobile banking app is available on both Android and iOS.

What is Chime Prime?

Chime Prime is Chime’s top membership tier that gives you The Most Rewarding Way to Bank (see disclosure 14) fee-free. (see disclosure 4) With Chime Prime, you get 5% cashback with Chime Card, (see disclosure 5) 4.00% savings APY, (see disclosure 6) premium travel perks with Chime Card, and more. To qualify, receive $3,000 or more in qualifying direct deposits each month with Chime.

Is the Chime Card a credit card?

Yes, the Chime Card is a secured credit card. The money you add to your account sets the credit limit for how much you can spend with the card. (see disclosure 15) With Safer Credit Building (see disclosure 16) , you can pay off your balance automatically, and you never spend more than you have in your SDA. Like other secured credit cards, the Chime Card also reports to the major credit bureaus, to help you build credit history over time. Learn more about secured credit and how it works here.

What benefits do you get with Chime Prime?

Chime Prime members receive:

  • 5% cash back (see disclosure 5) on Chime Card in a category you select each month

  • 4.00% savings APY, (see disclosure 6) the highest at Chime

  • Premium travel benefits with Chime Card, including airport lounge access and hotel perks

  • Get your pay before payday with MyPay® and fee-free overdraft (see disclosure 3)

What is Chime's mission?

Our mission is to unite everyday people to Unlock Financial Progress™. We’re doing that by changing the way people feel about banking. Chime’s business was built on the principle of protecting our members and making managing your money easy. We want to profit with our members, not from them. That’s why Chime doesn’t rely on overdraft fees, monthly service fees, or minimum balance requirements.

How does Chime make money?

Chime makes money from the interchange fee charged on card transactions. Every time you use your Chime Visa® Debit Card or secured Chime Visa® Credit Card for purchases and paying bills, Visa processes the transaction and charges an interchange fee to merchants for the service. Chime receives a portion of this fee. This is how Chime can continue building new and better products that help members get the most from their money.

When do I receive my Chime Visa® Debit Card after I open a Chime Checking Account?

Your Chime Checking Account includes a physical Chime Visa® Debit Card and a virtual card. Chime Card holders receive a virtual debit card automatically and must request a physical debit card in the Chime Mobile App. Once the physical card is issued—or requested, for Chime Card holders—it is usually placed in the mail within one (1) business day. Please allow 7 to 10 business days for delivery.

If you have not received your card within 10 business days after requesting it, contact Member Services at 1-844-244-6363.

Does Chime charge any fees?

We have no fees to sign up, no overdraft fees, no monthly or annual fees, and no minimum balance fees. Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products. Learn more here.

How many ATMs accept the Chime debit card?

You can get cash at more than 47,000 fee-free ATMs (see disclosure 1) – more than the top 3 national banks combined (see disclosure 17) ! Including ATMs at popular retail stores like Walgreens®, CVS®, 7-Eleven®, Circle K®, and Target®.

Get fee-free transactions at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network.

Will I ever be charged an overdraft fee through Chime?

No. If you don’t have sufficient funds in your Chime Checking Account or have reached your SpotMe limit (if enrolled), your Chime Visa® Debit Card will be declined. There is no fee for declining transactions or for utilizing SpotMe.