Just open a new Checking Account and make a qualifying direct deposit of $200 or more within your first 30 days.
Privacy Policy › Terms and conditions ›
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
No monthly fees
No minimum balance requirement
No foreign transaction fees
Everything you want out of your banking app with no monthly fees.1
If your card is missing or you suspect unauthorized use, you can block all transactions on your Chime Debit Card and Credit Builder card. Open the Chime app and disable transactions to immediately prevent new debit or credit card purchases or ATM withdrawals.
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.
We support two-factor authentication and support fingerprint authentication.
Chime cards are backed by Visa’s Zero Liability Policy.5 You're covered if your card is lost, stolen, or fraudulently used.
At Chime, we’ve created a new approach to online banking that doesn’t rely on fees,1 gets you your paycheck up to 2 days early with direct deposit,2 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 can help 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.6
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. 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.
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 5 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, no monthly service fees, no minimum balance fees, and no card replacement fees either. We do charge three fees.
$2.50 when you get cash from either an over the counter withdrawal or an out-of-network ATM that is not part of Chime’s fee-free network of 47,000+ ATMs3
$2 to receive funds instantly through MyPay®
1.75% of the total amount of funds to be transferred for each Instant Transfer of Funds (ITOF) transaction.
Please note that third-party services, such as money transfer services used to deposit funds or out-of-network ATM may charge a fee. You can access your money at 47,000+ in-network fee-free ATMs.3
You can get cash at more than 47,000 fee-free ATMs3 – more than the top 3 national banks combined7! 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.
No. If you don’t have sufficient funds in your Chime Checking Account or have reached your SpotMe limit (if enrolled), the attempted transaction with your Chime Visa® Debit Card will be declined. There is no fee for declining transactions or for utilizing SpotMe.
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.
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.
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.
By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.
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).
APPLE and the Apple Logo are registered trademarks of Apple Inc. GOOGLE PLAY and the Google Play Logo are registered trademarks of Google LLC. Third-party trademarks referenced for informational purposes only; no endorsements implied.
In order to qualify for and receive the $75.00 direct deposit promotion (the "Promotion") monetary reward, you as the participant (“you” or "Participant") must: (1) have never previously opened a Chime Checking Account ("Account") before participating in this Promotion; (2) obtain a promotional code from either one of Chime's official affiliate partners via webpage or email; (3) enter the promotional code into the designated field labeled "Promo Code" on the specified promotional webpage and receive a green success notification tag; (4) successfully open an Account; and (5) receive a Qualifying Direct Deposit into your Account within 30 days of opening an Account.
A “Qualifying Direct Deposit” is a deposit of $200.00 or more by Automated Clearing House ("ACH") that comes from your employer, payroll provider, gig economy payer, or benefits payer OR a deposit by Original Credit Transaction (OCT) from 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 loads or deposits, one-time direct deposits such as tax refunds and other similar transactions, and any deposit that Chime deems to not be a Qualifying Direct Deposit are not Qualifying Direct Deposits.
You as a Participant may only receive this promotional reward once. If you satisfy the above conditions, you will receive a $75.00 credit to your Account within 10 calendar days after receiving the Qualifying Direct Deposit. This Promotion will run through December 31, 2026 or as otherwise designated by Chime. Chime reserves the right to amend the Promotion duration and may permit you as a Participant to enter a valid promo code after the listed date. In the event that the Promotion has ended, you will receive a "not a valid promo code" message after entering the applicable promotional code, so that you as a Participant know you are not eligible for the monetary reward prior to enrolling in an Account. Chime reserves the right to cancel or modify the Promotion terms or terminate your eligibility as a Participant at any time with or without prior notice. An Account may be available to citizens or legal permanent residents of the 50 United States ("U.S.") or the District of Columbia who are at least 18 years of age with a valid Social Security number and who provide Chime with a U.S. residential street address (not a P.O. Box). Credits of $10 or more will be reported as interest on IRS tax form 1099-INT. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
Licenses
Chime Capital, LLC, Nationwide Multistate Licensing System ("NMLS") ID 2316451
Chime Payments, Inc., Nationwide Multistate Licensing System (“NMLS”) ID 2538752
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.