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no hidden fees online checking account

Banking with no hidden fees

No overdraft fees. No monthly maintenance fees. No monthly service fees. No minimum balance fees. No deposit required. No foreign transaction fees. Over 38,000+ fee-free MoneyPass® and Visa® Plus Alliance ATMs.

No Fee Banking

Say goodbye to hidden bank fees.

The average U.S. household pays over $329* in bank fees every year and most American’s haven’t switched to a checking account with no fees. We believe this needs to change. We promise to never take advantage of our member’s mistakes or misfortunes and that starts with building a bank account with no hidden fees and no monthly fees.

No Unnecessary Fees. Forever.

38,000+ fee-free MoneyPass® and Visa® Plus Alliance ATMs and over 30,000+ cash back locations.

No monthly fees and
no service fees.

No minimum balance
requirements or fees.

No overdraft fees and
no foreign transaction fees.

Here's how we compare on fees:

Chime
Traditional Banks*
Overdraft Fee
$0
$35
Minimum Balance Requirements
$0
$500
Monthly Account Service Fee
$0
$12 - $23
ACH Bank Transfer Fee
$0
$3 - $10
Card Replacement Fee
$0
$5 - $25
Foreign Transaction Fee
$0
3%
ATM Fee (in-network)
$0
$0 - $2.50
ATM Fees (out-of-network) and Over The Counter Fees **
$2.50
$2 - $4



Here’s what our members are saying

Trustpilot

Banks Fees

A bank account shouldn't cost money.

You deserve a bank account with no unnecessary fees because paying fees to use your own money is plain ridiculous. We’re here to change banking. Chime will never rely on unfair bank fees for profit. Ever. 

Chime Visa® Debit Card with no hidden fees.

Say goodbye to debit card fees. When you open a Chime Spending Account you will receive a free Visa Debit Card can be used anywhere Visa debit cards are accepted. Chime’s Visa Debit card has no hidden fees. No minimum balance requirements. No monthly or service fees. We also provide free debit card replacement.

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.

Please note: By clicking on some of the links above, you will leave the Chime website and be directed to an external website. The privacy policies of the external website may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing and personal information.

* The Q1 2017 Bank Fee Finder Report represents data from over 5,000 individual users with U.S. bank accounts. Five major banks (Bank of America, CitiBank, JPMorgan Chase, Wells Fargo, and U.S. Bank) made up 83% of all Bank Fee Finder users’ accounts.
**If you use an ATM not in our MoneyPass® and Visa® Plus Alliance network, which can be found in our ATM finder in the app, you may be charged a fee by the ATM operator for any transaction, including a balance inquiry only. This ATM fee is a third party fee amount assessed by the individual ATM operator only and is not assessed by Chime. This ATM fee amount will be charged to your Chime Spending Account

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