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

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Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. 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®, Circle K & 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®, 7-Eleven® and Circle K. 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, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. 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 and the Chime Visa® Cash Rewards Card are 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 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 any personal.

1 Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

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

3 SpotMe® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Credit Builder Account. SpotMe on Debit is an optional, no fee overdraft service attached to the Chime Checking Account available to qualifying members after Visa debit card activation. Both SpotMe on Credit and SpotMe on Debit are sometimes collectively referred to as "SpotMe" or, if you have signed up to use SpotMe with only one account, "SpotMe" means the elected service. To qualify for SpotMe, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month.

Qualifying members will be allowed to overdraw their Chime Checking Account and/or Secured Deposit Account (associated with your Chime Credit Builder credit card) up to $20, but may be later eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe Debit Terms and Conditions and SpotMe on Credit 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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