Chime Banking

Banking made awesome

Free to apply and only takes 2 minutes!

Chime is an award-winning mobile banking app and debit card.

  • Get paid up to 2 days early with direct deposit¹
  • No hidden bank fees
  • Fee-free overdraft up to $100² for eligible members
  • Grow your savings automatically

135,000+ 5-Star app reviews

"WILL NEVER TURN BACK!"

With Chime you get updates via notifications every time you spend, you get PAID TWO DAYS EARLY, and they never let you overdraft.

★★★★★
Grace S, App Store Review

"Best bank account I've ever had"

I love the savings account, the roundups, and the 10% savings from each check. Chime is the best bank account ever I swear!

★★★★★
Bryan, App Store Review

"Best App & Best Bank Account"

Amazing. The best part about this app is that I get paid two days early. My coworkers didn't believe me when I told them!

★★★★★
Gr8ness25, App Store Review
Get Paid Early with Early Direct Deposit

Get your paycheck early.

Set up Direct Deposit and receive your paycheck up to 2 days earlier than your co-workers!¹

No Fee Banking

Say goodbye to hidden bank fees.

No overdraft. 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.

automatically save money

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.

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 or Stride Bank; Member FDIC

Visa’s Zero-Liability Policy protects all unauthorized purchases**

Over 38,000 fee-free ATMs and 30,000 cash-back locations

Real-time alerts for every banking transaction

Grow your savings, automatically

No minimum balance requirement, monthly fees, or overdraft

Make the switch to a bank account that has your back

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank 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 is 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.

Please note: By clicking on some of the links above, you will leave the Chime website and be directed to an external website. The privacy policies of the external website may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing and personal information.

¹ Early access to direct deposit funds depends on timing of payer's submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer's scheduled payment date.
² Chime SpotMe is an optional, no fee service that requires that you receive $500 in direct deposit a month to qualify to overdraw your account up to $20 on debit card purchases. Chime, in its sole discretion, may allow you to withdraw your account up to $100 or more based on your Chime Account history, direct deposit history 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 be increased or lowered at any time by Chime.
**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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