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.
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.