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At Chime, we’ve created a new approach to online banking that doesn’t rely on fees,¹⁶ gets you your paycheck up to 2 days early with direct deposit,¹⁹ 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.

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’ll never profit from your misfortune or mistakes and everything we build is focused on improving our member’s lives.

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.

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.

Chime Prime is Chime’s top membership tier that gives you The Most Rewarding Way to Bank³ fee-free.⁵ With Chime Prime, you get 5% cashback with Chime Card,⁷ 3.75% savings APY,²⁰ premium travel perks with Chime Card, and more. To qualify, receive $3,000 or more in qualifying direct deposits each month with Chime.

New members qualify the same way as existing members—just direct deposit at least $3,000 every month with Chime⁴ and you can start benefiting from your Chime Prime status automatically.

Chime Prime members receive:

• 5% cash back⁷ on Chime Card in a category you select each month

• 3.75% savings APY,²⁰ 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 overdraft¹⁵

After you open a Checking Account, we get started on personalizing your new Chime Visa^® Debit Card. Your Chime Visa^® Debit Card is usually placed in the mail within one (1) business day after you open your Checking Account. 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 opening your Checking Account, please contact our Member Services team at 1-844-244-6363.

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.

You can get cash at more than 47,000 fee-free ATMs¹⁶ – more than the top 3 national banks combined²¹! Including ATMs at popular retail stores like Walgreens^®, CVS^®, 7-Eleven^®, Circle K^®, and Target^®.

Get fee-free transactions at any Moneypass^® ATM in a 7-Eleven location and at any Allpoint^® or Visa^® Plus Alliance^® ATM. Otherwise, out-of-network ATM withdrawal fees may apply.

You could get a Chime Card in minutes! Share some information with us here to get started.

No way! We think everyone deserves a chance to build credit history. There is no impact on your credit scores when you apply for a Chime Card.²²

Consistent use of the Chime Card can help you build credit with on-time payment history, increase the length of your credit history over time, and more.¹³ With the Chime Card, Chime will report your monthly payments to the three major bureaus – TransUnion^®, Experian^®, and Equifax^®. We report your highest balance, your payment amount, and payment date. Utilization is not reported for your Chime Card.²³ Please note that activity on other credit accounts may also impact results and credit score improvement is not guaranteed.

To get Chime Plus, you need to receive a qualifying direct deposit of $200 or more within the preceding 34 days.²⁴ Once your deposit is processed, your Chime Plus status will activate automatically.

Yes! Chime Plus status is free. There are no membership fees and no maintenance fees to access Chime Plus.

To qualify, you need to receive a qualifying direct deposit of $200 or more within the preceding 34 days.²⁴ Once this deposit is received, you’ll automatically get Chime Plus.

A Qualifying Direct Deposit is a deposit by Automated Clearing House (“ACH”) from your employer, payroll provider, gig economy payer, or benefits payer OR a deposit by Original Credit Transaction (“OCT”) by your gig economy payer. Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a Qualifying Direct Deposit, are not Qualifying Direct Deposits.