Black Lives Matter

For 8 minutes and 46 seconds, a White officer kneeled on a Black man’s neck, killing him without cause, hesitation, or fear. George Floyd did not deserve this. No person does. And no one should ever have to experience that kind of racial injustice again.

Today, George Floyd was laid to rest. As the CEO at Chime, I can tell you we will not rest. We are outraged, and we are unified in our commitment to create change. Our team stands shoulder to shoulder with the Black community against racism and violence, and we are taking action to promote inclusivity and eliminate our biases.

I grew up in a city that was more than fifty percent Black, but as a White man I realize I don’t understand what it’s like to walk in a Black person’s shoes. Until this moment, I never fully recognized the lasting impact of our country’s history on Black individuals and families. I never grasped what it must feel like, every day, to be judged by the color of your skin. The violent symptoms of systemic racism were never made more horrifyingly clear than they are today.

I don’t have all the answers. None of us do. But I do know we have to enter the conversation with honesty and transparency. And I do know we have to go far beyond words. It’s time for tangible action, true accountability, and measurable changes. It’s time to join the fight.

At Chime, we tell you we have your backs and that comes from the heart. Our team recognizes we need to step up and do more for the Black community. Over the past several days, we have prioritized listening to our employees, our members, and our broader community. Our members shared powerful and heartbreaking stories on Instagram, Facebook, and Twitter about the injustices that they experience every day. Our employees and members of our Afro-Chime Resource Group have shared their personal journeys and ideas. We’ve begun planning specific actions Chime can take to be an ongoing force for change, including partnerships with community organizations that are making a meaningful impact.

I am proud to share that Chime is donating $100,000 to the Equal Justice Initiative (EJI), an organization that does the hard work of challenging racial and economic injustice and protecting basic human rights. This is a cause that we heard is important to many of you. My leadership team and I have also personally donated to EJI, and we are matching our employee donations to this charity. If you’d like to join us, we’ll match every member donation made to EJI from a Chime Visa® Debit Card up to a total of $150,000 in the month of June.

This is not a moment, this is a movement. George Floyd, Ahmaud Arbery, Breonna Taylor, Trayvon Martin, Eric Garner, Michael Brown, Laquan McDonald, Tamir Rice, Walter Scott, Freddie Gray, Philando Castile, Sandra Bland, and too many others have not died in vain. They are not forgotten, and their lives have and will continue to mean something.

The world can change. Let’s all do our part to help.

Sincerely,

Chris Britt

Founder & CEO, Chime

Chris Britt

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FAQs

Is ChimeⓇ a bank?

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.

How many members does Chime have?

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.

Does Chime offer financial planning tools for budgeting, saving, and investing?

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) Chime InvestTM adds fee-free investment management for Chime PrimeTM members with no advisory fees (see disclosure 2) , no commission fees (see disclosure 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)

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.

Does Chime have a credit card?

Chime offers the secured Chime Visa® Credit Card, designed to help eligible members build credit (see disclosure 5) . It carries no annual fee, no interest (see disclosure 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)

Does Chime give cash back, and how does Chime cash back work?

Yes. Chime PrimeTM members can earn 5% cash back with Chime CardTM 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) 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.

What is Chime PrimeTM?

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) Chime Prime members get 5% cash back (see disclosure 8) on a monthly chosen spending category, 3.75% APY (see disclosure 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.

Does Chime have rewards, and what rewards does it offer?

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) Chime Prime members also earn 3.75% APY (see disclosure 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)

What is Chime InvestTM?

Chime Invest is Chime's commission-free investing feature, giving Chime PrimeTM members a way to invest alongside their everyday checking and savings accounts with no advisory fees (see disclosure 12) , no commission fees (see disclosure 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)

Does Chime help with taxes, and how can I get my tax refund faster?

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