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

Banking with no monthly fees

Get a bank account with no monthly fees.

  • No monthly fees and no minimum balance fees
  • No overdraft fees
  • 50,000+ fee-free¹ ATMs at stores like Walgreens®, 7-Eleven®, CVS Pharmacy®, Circle K & more

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.

50,000+ fee-free ATMs at stores you love.¹

Avoid out of network ATM fees. With Chime, you get access to 50,000+ 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.

 

Target, CVS, CircleK, 7Eleven, and Walgreens Logos

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

Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are 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 and credit cards are accepted. Please see the 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.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

Third-party trademarks referenced for informational purposes only; no endorsements implied.

1 Out-of-network ATM withdrawal and over the counter advance 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® for Credit Builder is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “SpotMe”). Eligibility for SpotMe requires $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 their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined 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 SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won't cover non card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe 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/

Address: 101 California Street, Floor 5, San Francisco, CA 94111, United States.

No customer support available at HQ. Customer support details available on the website.

© 2013-2024 Chime Financial, Inc. All rights reserved.