Chime Banking

Banking made awesome.

Welcome TrueFees visitors!

Chime is one of the fastest-growing bank accounts in America

✓ No hidden banking fees

✓ Get paid up to 2 days early with direct deposit1

✓ Fee-free overdraft with SpotMe2

✓ Grow your savings automatically

✓ Free to apply and only takes 2 minutes!

50,000+ 5-Star Google Play and Apple App Store reviews

Best bank account I've ever had.

★★★★★
Bryan, 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

Fee-free overdraft with SpotMe

We’ll spot you with no overdraft fees on debit purchases only. Eligibility requirements apply2.

No Fee Banking

Say goodbye to hidden fees.

No overdraft fees. No minimum balance fees. No monthly service fees. No foreign transaction fees. Over 38,000 fee-free MoneyPass® and Visa Plus Alliance ATMs. Out-of-network fees may apply.

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. Learn about our Savings Account.

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 FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank; Member FDIC.

Visa Zero-Liability guarantees that you will not be held responsible for unauthorized card purchases.3

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

Real-time alerts for every banking transaction.

Automatic Savings takes the effort out of saving.

No minimum, monthly, or overdraft fees.

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.

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.

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.

3 You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

© 2013-2021 Chime. All Rights Reserved.