We’ll spot you up to $200. (see disclosure 1)
Sign up for the Chime Visa® Debit Card and get benefits, fee-free. (see disclosure 2)
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.
All the important checking perks.
Everything you want out of your banking app with no monthly fees. (see disclosure 2)
Over 47,000 fee-free ATMs. (see disclosure 3)
Fee-free overdraft up to $200 (see disclosure 1)
24/7 support from real humans.
Your money shouldn’t cost money®.
No monthly fees, no overdraft fees, no minimum balance requirement, and no foreign transaction fees. (see disclosure 2)
| Wells Fargo Clear Access Banking | |
|---|---|---|
Overdraft fee | $0 | $0 (see disclosure 4) |
Monthly account service fee | $0 | Up to $5 (see disclosure 4) |
International transaction fee | $0 | Up to 3% (see disclosure 4) |
Fee-free ATMs | 47,000+ | 11,000+ (see disclosure 5) |
Start banking in minutes.
Open your account online with no opening deposit required, then set up direct deposit in minutes.
Apply online in minutes.
Share your basic info and submit your application. No opening deposit required.
Set up direct deposit.
99% of members say setting up direct deposit was easy. (see disclosure 6)
Start spending on
day 1.
Tap to pay, shop online, and pay bills with your virtual card, from the app or your digital wallet.
Come for SpotMe. Stay for all that Chime offers.
Get up to $750 of your pay before payday (see disclosure 7)
Access your money fee-free within 24 hours / instantly for $2 to $5 per advance. No mandatory fees. No credit check. No interest. (see disclosure 8)
Get up to $750 of your pay before payday (see disclosure 7)
Get up to $750 of your pay before payday (see disclosure 7)
Access your money fee-free within 24 hours / instantly for $2 to $5 per advance. No mandatory fees. No credit check. No interest. (see disclosure 8)
Cash back and credit up with Chime Card
Get 5% cash back (see disclosure 9) on a monthly category of your choice and build your credit up to 70 pts. (see disclosure 10)
Cash back and credit up with Chime Card
Cash back and credit up with Chime Card
Get 5% cash back (see disclosure 9) on a monthly category of your choice and build your credit up to 70 pts. (see disclosure 10)
Fee-free overdraft up to $200 (see disclosure 1)
On any Chime card transactions and cash withdrawals.
Fee-free overdraft up to $200 (see disclosure 1)
Fee-free overdraft up to $200 (see disclosure 1)
On any Chime card transactions and cash withdrawals.
47K+ fee-free ATMs (see disclosure 3)
Everyday purchases and on-time payments can help build your credit with the Chime Visa® Credit Card. (see disclosure 11)
47K+ fee-free ATMs (see disclosure 3)
47K+ fee-free ATMs (see disclosure 3)
Everyday purchases and on-time payments can help build your credit with the Chime Visa® Credit Card. (see disclosure 11)
No monthly fees
No fees to sign up, no monthly service fees, and no minimum balance fees. (see disclosure 2)
No monthly fees
No monthly fees
No fees to sign up, no monthly service fees, and no minimum balance fees. (see disclosure 2)
Feel good about your money.
Join the millions of members on Chime and feel good about your finances.
“As someone who lives check to check in this struggling economy chime has been a real life saver. Between early payday and spot me, things have been easier for me to manage. When I thought it couldn’t get better, they added on the option to do taxes through the app. Before Chime I’d always drive my bank account deeper into debt because of overdraft fees and hidden charges.”
"I absolutely love all Chime offers me as a Chime+ member! I receive my check two days early, who wouldn’t appreciate that? MyPay? I can access my pay early, which is super helpful for emergency situations. No overdraft fees thanks to SpotMe and it’s all so easy and hassle free."
“Awesome Spot Me that lets you overdraft without the worry of any hidden fees. My credit score went from a 610 to 755 in a year.”
Safe, secure & trusted by millions.
Your funds are FDIC insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC (see disclosure 12) and we keep your money safe and secure with periodic security tests of our systems.
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. (see disclosure 13) You're covered if your card is lost, stolen, or fraudulently used.
Deposits protected by FDIC insurance.
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 12)
Make the switch today.
Open your account in 2 minutes and start banking fee-free.
FAQ
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.
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 Bank (see disclosure 14) fee-free. (see disclosure 2) With Chime Prime, you get 5% cashback with Chime Card, (see disclosure 9) 4.00% savings APY, (see disclosure 15) 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 back (see disclosure 9) on Chime Card in a category you select each month
4.00% savings APY, (see disclosure 15) the highest at Chime
Premium travel benefits, including airport lounge access (see disclosure 16) and hotel perks with Chime Card