Chime® is a financial technology company, not a bank. Banking services, credit, and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

Guidelines / FAQs

Frequently Asked Questions

How long does it take Chime to respond to a law enforcement request?

Chime strives to respond to all law enforcement requests within 15 business days.

What is a Chime Checking account?

At Chime, the ‘Checking Account’ is similar to what is traditionally referred to as a ‘checking account.’

How many accounts can a member have?

Members can only have one account, but each account can include up to three different Chime products: (1) Checking Account, (2) Savings Account, (3) Credit Builder Account (Secured Credit Card).

Do Chime members have checks?

No, but members can request a paper check be sent on their behalf.  Checks are issued by Bank of America and are valid for 180 days.

What is ‘Pay Friends’ / ‘Pay Anyone?’

‘Pay Friends’ is a peer-to-peer payment system available only between two Chime members.

‘Pay Anyone’ is a peer-to-peer payment system between Chime members and recipients outside of Chime.

Are third-party platforms available to transfer money from Chime accounts?

Yes, money can be transferred from a Chime account using Venmo, PayPal, Cash App, and other platforms.

Can members access cash via their accounts?

Yes, members can access cash via ATM, point-of-sale (cash back), and over the counter via a bank or credit union.

How much cash can Chime members deposit into their account?

$1000 per day $10,000 per month via Green Dot Network only.  Subject to provider (WalMart 7-Eleven limitations)

How can a member have a negative balance on their debit card?

Chime’s ‘Spot Me’ feature allows members to overdraft their account up to a pre-set limit. A member can have a negative balance if a transaction settles for more than was originally authorized.

What is a Tokenized ID?

Tokenized ID refers to a Google, Apple, or Samsung pay service/store that is linked to the Chime account.

What is a "Visa money transfer" transaction?

A Visa money transfer is a transfer to an external bank account. The list of linkable banks includes but is not limited to: Bank of America, Capital One, Chase, Citi, PNC, Regions Bank, TD Bank, U.S. Bank, USAA, and Wells Fargo.

What are Card to Card Transactions?

Transactional data that is classified as “card to card” is an internal money transfer system within a member’s account OR a “Pay Friends” transfer.  i.e. If a Chime member transfers money between their Spending, Savings, and Credit Builder accounts, the transaction will appear as “card to card.”  Alternatively, if a member transfers money via Chime’s “Pay Friends” feature (see above) the transaction will be labeled as “card to card” on the statement.

What are “card to card to_____” transactions?

“Card to card to_____” transactions are ‘Round Up’ transactions.  When the Round Up feature is enabled by a member, Round Ups automatically round up debit card purchases to the nearest dollar and transfers the round up from the Chime Checking Account into the Chime Savings Account  E.g. If a member spends $8.40 on a purchase, $0.60 will be automatically transferred to their savings account.

What are “card to card from_____” transactions?

Transactions appear as “card to card from_____” when a Chime member transfers money between their Spending, Savings, and Credit Builder accounts.

Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Please see the back of your Card for its issuing bank.

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.

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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).

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