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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 Monthly Fees Online Checking Account

Banking with no monthly fees

Say goodbye to monthly fees when you bank through Chime

 No monthly fees and no minimum balance fees

 No overdraft fees

 60,000+ fee-free¹ ATMs at stores like Walgreens®, 7-Eleven®, CVS Pharmacy® & more

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 monthly fees should be available to everyone. That’s why Chime offers a checking 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®³. Learn more about SpotMe.

ATM map Chime atm locations

60,000+ fee-free ATMs at stores you love¹

Avoid out of network ATM fees. With Chime, you get access to 60,000+ fee-free ATMs¹—more than the top 3 national banks combined! Find them at stores you love, like Walgreens®, CVS®, and 7-Eleven®. You can also use the map in your Chime app to find the closest fee-free ATM near you.

Checking Account and Debit Card with no monthly fees

When you open a Chime Checking 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
Chase⁴
Bank of America⁵
Overdraft Fee
$0
$34
$35
Minimum Balance Requirements
$0
$25
$100
Monthly Account Service Fee
$0
$25
$25
Overdraft Fee
Chime
$0
Chase⁴
$34
Bank of America⁵
$35
Minimum Balance Requirements
Chime
$0
Chase⁴
$25
Bank of America⁵
$100
Monthly Account Service Fee
Chime
$0
Chase⁴
$25
Bank of America⁵
$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.

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.

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 ATM withdrawal fees apply except at MoneyPass ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM. Other fees such as 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 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency 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 change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See Terms and Conditions.

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

5 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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