Chime® is a financial technology company, not an FDIC-insured bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.The Chime Visa® Debit Card, the secured Chime Credit Builder Visa® Credit Card, and the secured Chime Visa® Credit Card are 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 or credit cards are accepted. Please see the back of your Card for its issuing bank.
Chime Checkbook: While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.
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Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).
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The Bancorp Bank, N.A. and Stride Bank, neither endorse nor guarantee any of the information, recommendations, optional programs, products, or services advertised, offered by, or made available through the external website (“Products and Services’’) and disclaim any liability for any failure of the Products and Services.
1 By signing up for Chime, you consent to share the following personal information about your Chime account with CommonBond: Chime will notify CommonBond of your enrollment only; however, if you receive a single Payroll Direct Deposit or cumulative deposits not traditionally classified as Payroll Direct Deposit from gig platforms and/or their payment facilitators (including DoorDash, Lyft, Postmates, Bird, Hyperwallet, Juno, StyleSeat, Stripe, Caviar, and other new similar platforms that Chime identifies in its sole discretion) of $200 or more within the first 45 days of enrollment Chime will also notify CommonBond of that fact so you can receive your reward. Payroll Direct Deposit must be made by an employer or payroll provider by an ACH deposit (bank ACH transfer, Pay Friends transfer, verification or trial deposits from financial institutions, transfers from PayPal, Zelle, Venmo, Square and cash loads do not qualify as payroll direct deposit). Chime, not CommonBond, retains full discretion to determine qualification for the bonus. Chime will not disclose how much the deposit was to CommonBond. In return for sharing this information, CommonBond will give you $100.
2 Early access to direct deposit funds depends on the timing of the employer’s submission of their payroll file. We generally make payroll funds available on the day that the payroll file is received, which may be up to 2 days earlier than the employer’s scheduled payment date.
3 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.
4 Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply.
5 You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.
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