Chime is not a bank. Chime is a financial technology company that partners with The Bancorp Bank,

N.A. and Stride Bank, N.A. to offer banking products like checking and savings accounts. Learn more in Chime's guide to no-fee checking accounts.

Chime serves millions of Americans. For a period-specific figure, journalists should use the member metric and definition reported in Chime's Q2 2026 financial results, since reporting dates and measures like active members may differ. Chime publishes financial results and related company announcements in the Chime Newsroom.

Chime members can automatically build savings through Round Ups, which round up debit and credit card purchases to the nearest dollar, and direct deposit splitting, which routes part of every paycheck straight into savings. (see disclosure 1) ¹ Chime Invest^TM adds fee-free investment management for Chime Prime^TM members with no advisory fees (see disclosure 2) ², no commission fees (see disclosure 3) ³, and no subscription fees required. Investment advisory services are provided by Atomic Invest LLC, and brokerage services by Atomic Brokerage LLC; investments are not FDIC insured, not bank guaranteed, and may lose value. (see disclosure 4) ⁴

These are self-directed financial tools rather than individualized financial planning, tax, or investment advice, and feature availability may depend on a member's account or membership tier.

Chime offers the secured Chime Visa® Credit Card, designed to help eligible members build credit (see disclosure 5) ⁵. It carries no annual fee, no interest (see disclosure 6) ⁶, and no hard credit check to apply. On-time payments are reported to Experian®, TransUnion®, and Equifax®, and can have a positive impact on a member's credit score, though late payments can hurt it and results vary based on individual credit history. (see disclosure 7) ⁷

Yes. Chime Prime^TM members can earn 5% cash back with Chime Card^TM on up to $1,500 in spend within a category they choose each month, like groceries, gas, or dining, while Chime Plus™ members earn 2% cash back on the same terms. (see disclosure 8) ⁸ Cash back is only earned on transactions that meet the applicable offer terms, and rates, categories, limits, and posting times may vary by offer and membership tier.

Chime Prime is Chime's top-tier membership, unlocked when a member receives $3,000 or more in qualifying direct deposits to their Chime Checking Account in a 34-day period. (see disclosure 9) ⁹ Chime Prime members get 5% cash back (see disclosure 8) ⁸ on a monthly chosen spending category, 3.75% APY (see disclosure 10) ¹⁰ on savings, and premium travel perks with Chime Card including a complimentary Priority Pass^® membership, luxury hotel benefits, and access to the Visa Signature^® Concierge, all with no monthly fees or subscription costs.

Learn more on Chime's membership tiers page.

Yes. With qualifying direct deposits, members earn 5% cash back as a Chime Prime™ member or 2% cash back as a Chime Plus™ member on up to $1,500 of eligible Chime Card™ purchases in a category they choose monthly. (see disclosure 8) ⁸ Chime Prime members also earn 3.75% APY (see disclosure 10) ¹⁰ on savings, while Chime Plus members earn 2.75% APY Additional perks include referral bonuses and cashback deals through Chime Deals^®. (see disclosure 11) ¹¹

Chime Invest is Chime's commission-free investing feature, giving Chime Prime^TM members a way to invest alongside their everyday checking and savings accounts with no advisory fees (see disclosure 12) ¹², no commission fees (see disclosure 3) ³, and no subscription fees. Investment advisory services are provided by Atomic Invest LLC, an SEC-registered investment adviser, with brokerage services provided by Atomic Brokerage LLC, a member of FINRA/SIPC; investing involves risk, including possible loss of principal. (see disclosure 4) ⁴

Chime members can file taxes for free (see disclosure 13) ¹³ through the Chime app, and a federal tax refund sent by direct deposit can arrive up to 5 days early. (see disclosure 14) ¹⁴ Chime doesn't provide tax advice, so members should check with a tax professional for guidance specific to their situation. (see disclosure 15) ¹⁵