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Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC

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

no hidden fees online checking account

Banking with no hidden fees

Say goodbye to hidden fees¹ when you bank through Chime. 👋 No overdraft fees. No minimum balance fees. No monthly fees. No foreign transaction fees. 

Chime online banking no fees

Banking shouldn’t cost you money

You earned it, so you deserve to keep it. We believe an online checking account with no hidden fees should be available to everyone. That’s why Chime offers a Spending Account with no minimum balance fees and no monthly fees.

No fees for overdrafts

Traditional banks charged $11 Billion in overdraft fees in 2019.² At Chime, we do things differently. Instead of charging you an overdraft fee, we allow you to overdraft on debit card purchases with no fees when you qualify for SpotMe. Learn more about SpotMe.

Fee-free ATMs

Avoid out of network ATM fees. With Chime, you get access to 38,000+ fee-free MoneyPass® and Visa® Plus Alliance ATMs. So whenever you need to get cash, just go to the map in your Chime app to find the closest fee-free ATM near you.

Spending Account and Debit Card with no hidden fees

When you open a Chime Spending Account, you will receive a Visa Debit Card that can be used everywhere Visa debit cards are accepted. We also provide free debit card replacement.

Chime vs. Traditional banks

Chime
Chase³
Bank of America⁴
Overdraft Fee
$0
$34
$35
Minimum Balance Requirements
$0
$25
$100
Monthly Account Service Fee
$0
$25
$25
Overdraft Fee
Chime
$0
Chase³
$34
Bank of America⁴
$35
Minimum Balance Requirements
Chime
$0
Chase³
$25
Bank of America⁴
$100
Monthly Account Service Fee
Chime
$0
Chase³
$25
Bank of America⁴
$25

Get Started Today

Applying for an account is free and takes less than
2 minutes with no impact to your credit score.

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 Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply.

2 June 2020 Overdraft Fees Report https://www.responsiblelending.org/sites/default/files/nodes/files/research-publication/crl-overdraft-covid19-jun2019.pdf

3 Data pulled from Bankrate’s Chase Bank Offer Details as of Aug 11th, 2020: https://www.bankrate.com/banking/checking/best-checking-accounts/

4 Data pulled from Bankrate’s Bank of America Offer Details as of Aug 11th, 2020: https://www.bankrate.com/banking/checking/best-checking-accounts/

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