1 

SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $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 their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe terms and conditions.

2 

Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products. Learn more here.

3 

With qualifying direct deposits, earn 5% cash back as a Chime Prime member or 2% cash back as a Chime Plus member on up to $1,500 of eligible secured Chime Visa® Credit Card purchases. See the Secured Chime Visa® Credit Card - Cash Rewards Program Addendum for limitations and details on earning cash back on your monthly selected category.

4 

Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network.

5 

On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

6 

Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.

7 

Marketed credit score increase is based on a real outcome, results not typical. Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Chime Card, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.

8 

Money added to Chime Card™ will be held in a secured deposit account as collateral for your Chime Card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.

9 

You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

10 

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.

11 

Chime is not FDIC-insured. The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. FDIC deposit insurance limit is $250,000 per depositor, per insured bank, per ownership category.

12 

Ranking according to the Federal Reserve Statistical Release based on domestic assets; number of ATMs self-reported by Chase, Bank of America and Wells Fargo - June 2025.

13 

Based on 2025 internal comparison to select traditional bank and fintech offerings. THE MOST REWARDING WAY TO BANK is a Trademark of Chime Financial, Inc.

14 

The 3.75% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 0.75% APY will apply. The APYs are effective as of 04/02/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details.

The Chime Visa® Debit Card with Benefits.

We’ll spot you up to $2001.

A Chime card, "$200," and "The #1 most loved banking app.*"

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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.

Already have an account?

A Chime card, "$200," and "The #1 most loved banking app.*"

Your money shouldn’t cost money.®

  • No monthly fees

  • No overdraft fees ›

  • No minimum balance requirement

  • No foreign transaction fees

All the important checking perks.

Everything you want out of your banking app with no monthly fees.2

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Get 5% cash back3 with Chime Card

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Over 47,000 fee-free ATMs.4

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Fee-free overdraft up to $200.1

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24/7 live support, with a real human.

Debit Card
Fee-free banking2 for every day.
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Chime offers a Checking Account with no minimum balance fees, no monthly fees, and no overdraft fees.

Use your Chime debit card to withdraw cash at over 47K fee-free ATMs4 and make purchases wherever Visa® debit cards are accepted.

    Chime Card
    Starting building credit stress-free.5
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    Unlock 5% cash back,3 stress-free credit building,5 no annual fees or interest.6

    • Grow your credit by up to 70 points7

    • No credit check to apply

    • No minimum security deposit required8

    Debit Card
    Fee-free banking2 for every day.
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    Chime Card
    Starting building credit stress-free.5
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    Safe, secure & trusted by millions.

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    Block your card

    If your card is missing or you suspect unauthorized use, you can block all transactions on your Chime Debit Card and Chime Card. Open the Chime app and disable transactions to immediately prevent new debit or credit card purchases or ATM withdrawals.

    Real-time alerts

    Chime allows you to receive instant transaction alerts anytime you use your Chime debit card. Turn on daily notifications so you always know what’s happening with your money.

    Privacy and Security

    We support two-factor authentication and support fingerprint authentication.

    Visa® Zero Liability

    Chime cards are backed by Visa’s Zero Liability Policy.9 You're covered if your card is lost, stolen, or fraudulently used.

    We're changing the way you feel about money.

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

    Rozan, member since 2019.

    My score went up over 60 points and I bought my first car!7

    -Rozan

    Corey, member since 2020.

    With Chime, I’m saving hundreds of dollars a year.

    Irv, member since 2020

    Early payday guarantees that I can make it to any gig, any rehearsal, anytime.10

    Real members. Paid testimonials.

    Make the switch today.

    Get started
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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.11

    FAQs

    What is Chime?

    At Chime, we’ve created a new approach to online banking that doesn’t rely on fees,4 gets you your paycheck up to 2 days early with direct deposit,10 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 helps you grow your savings automatically! The Chime mobile banking app is available on both Android and iOS.

    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.

    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.

    Who can use Chime?

    Legal residents of the United States 18 years and older are welcome to apply! While Chime cards work all over the world, currently we can only offer accounts to members with a valid SSN, living in the United States and District of Columbia.

    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 comes with a virtual card that you can add to your mobile wallet. If you'd like a physical debit card you must request one through the Chime app. Once requested, your Chime Visa Debit Card is usually placed in the mail within one (1) business day after you submit your request. It can take 7 to 10 business days for your Chime Visa Debit Card to arrive at your home address.

    If you don’t have your Chime Visa Debit Card within 10 business days after requesting, please contact our Member Services team 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 ATMs4 – more than the top 3 national banks combined12! 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.

    What is Chime Prime?

    Chime Prime is Chime’s top membership tier that gives you The Most Rewarding Way to Bank13 fee-free.2 With Chime Prime, you get 5% cashback with Chime Card,3 3.75% savings APY,14 premium travel perks with Chime Card, and more. To qualify, receive $3,000 or more in qualifying direct deposits each month with Chime.

    What benefits do you get with Chime Prime?

    Chime Prime members receive:

    • 5% cash back3 on Chime Card in a category you select each month

    • 3.75% savings APY,14 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 overdraft1

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    Contact

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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

    The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.

    * 

    Chime is recommended by more of its users in the 2025 Qualtrics® NPS study when compared to top national banks and select fintechs. THE #1 MOST LOVED BANKING APP is a Trademark of Chime Financial, Inc.

    Licenses
    Chime Capital, LLC, Nationwide Multistate Licensing System ("NMLS") ID 2316451
    Chime Payments, Inc., Nationwide Multistate Licensing System (“NMLS”) ID 2538752

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

    Address: 101 California Street, Floor 5, San Francisco, CA 94111, United States.

    No customer support available at HQ. Customer support details available on the website.

    © 2013-2026 Chime Financial, Inc. All rights reserved.