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

Better online banking with Chime

Open an online bank account through Chime.

  • No minimum balance requirement or monthly service fees
  • Manage money 24/7 with the #1 most loved banking app1
  • Get paid up to two days early2 with direct deposit
  • Deposit checks from anywhere3

Award-winning mobile banking app.

No tellers, no lines, no buildings. Just a super-powered app. Chime makes managing your money easy and empowering. Our beloved online banking app delivers all the tools you need, right at your fingertips.

Online banking with no monthly fees.

  • No monthly account fees
  • No minimum balance fees or requirements
  • Fee-free overdraft up to $2004 on Chime Debit Card purchases

Member-first features.

  • Get paid up to two days early with direct deposit2
  • Deposit checks3 from anywhere – just snap a photo
  • Set money aside with Automatic Savings features5

Personalized security settings.

  • Disable transactions if you lose your card
  • Get real-time transactions alerts
  • Protect from unauthorized charges

Encrypted payments. 
Insured funds.

We keep your money and info safe with frequent security tests. All funds in Chime deposit accounts are FDIC-insured through The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

Expect the best online banking features through Chime.

The Chime app has over 700,000+ five-star reviews from users like you.

Chime app logo

All of Chime on the go.

Manage your money, find ATMs, and Pay Anyone right from the mobile app.

Download on the App Store
Get it on Google Play

Online banking through Chime vs. traditional banks.

Wells Fargo8
Overdraft fee
Monthly account service fee
Up to $25
Up to $35
Overdraft fee
Wells Fargo8
Monthly account service fee
Up to $25
Wells Fargo8
Up to $35

Online banking resources.

Man in gray shirt smiling while pressing buttons on his cellphone.

How do you open an account online with Chime?

Learn more

What do you need to open a bank account?

Read post


Does Chime do online banking?

Yes! Chime offers online banking services through our partner banks. With Chime, you can open a checking account9 with no monthly fees and a high-yield savings account with automatic savings features. Once you qualify,10 you can also apply for the Chime Credit Builder Secured Visa® Credit Card.

With Chime, you’ll manage your account online via a computer or through our mobile app. The mobile app is easy to use. In fact, it’s the #1 most-loved banking app available.¹

How do you open a bank account online through Chime?

Apply in 2 minutes to start online banking through Chime. The process is straightforward as long as you have your Social Security number, email address, and a valid home address. After Chime reviews and confirms your information, you’re in! Note: All members must be a U.S. citizen and at least 18 years of age.

Chime offers an online bank account and a mobile banking app. You can download the app for free from the Google Play Store or Apple App Store. You can connect your existing bank account to transfer funds or set up direct deposit. You can also log in to online banking at when you need it.

Once enrollment is completed, we’ll send a free Visa® debit card in the mail to the address you provided. Your new debit card typically arrives in 7-10 business days.

Read our blog for more information on how to open your online bank account through Chime, manage your money with our mobile app, and take advantage of our user-friendly features.

Can I open an online bank account through Chime without a deposit?

Applying for a Chime online Checking Account is completely free. We don’t require an opening deposit to enroll, and we don’t charge you a fee if you open an account without a deposit.

Does Chime require a credit check to open a bank account online?

Chime does not require a credit check to open an online bank account. We provide services that are inclusive of all Americans. This includes those who struggle with bad credit history but are still looking for checking or savings accounts they can open and use entirely online with no opening deposit.

What banks connect with Chime?

Chime is a financial technology company that offers banking services through two banking partners: The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC. Because Chime partners with these banks, any money in your Chime account is FDIC-insured.11

How do I deposit money into my Chime account online?

When you sign up for Chime, you can easily move money into your account online. Just link an external bank account to set up a transfer. To continue to get money in your Chime account, set up direct deposit from your employer or payroll provider.

You can also deposit cash fee-free at any of the 8,500+ Walgreens locations around the country – or at 75,000 retailer locations, including Walmart, CVS, and 7-Eleven, for a fee. The retailer that receives your cash will be responsible to transfer the funds for deposit into your Chime Checking Account.

Still have questions? Read our full guide on how to move money into Chime.

How do I open a bank account online for free?

Many financial institutions now allow new members to apply for checking, savings, and other types of accounts online.

The steps to open an online bank account vary depending on where you choose to open an account. Decide what’s important to you: free online banking? Access to in-person locations? 24/7 customer support? These answers can help you decide where to open a bank account online and what type of account you would like to open.

Once you choose an account, collect whatever personal documents and identifying information the institution requires. Some online banking accounts require a copy of ID like a driver’s license. When you bank through Chime’s partners, you do not need to submit a photo ID. For more information, find out everything you need to open a bank account.

Follow the instructions on the online application, submit your personal information like your Social Security number, and then verify your identity following the instructions sent to you. That’s it! You can then fund your account and start using your online bank account. 

What do I need to open an online bank account?

There are a few basic requirements to open an online bank account through Chime. Here are a few things you’ll need to apply for our Chime Checking Account:

  • Social Security number
  • Email address
  • Valid home address
  • 18+ U.S. Citizen or resident of 50 United States

What is the best online bank account?

There is no right answer — you should choose an online bank account that has the services and features that are most important to you. 

At Chime, we value transparency and profiting with our members, not off of them. Through our partners, we offer online banking with no monthly maintenance fees, fee-free overdraft, and no opening deposit required. Manage your money, pay friends and family, and build your savings all in our mobile app.

What is the easiest bank account to open online?

Many online banks offer easy sign-up processes. You can sign up quickly if you have all the information you need – usually a Social Security number, email address, and home address. In some situations, you may need a photo ID.

Some banks may require you to fund the account immediately. Chime doesn’t. You can sign up for a Chime Checking Account in as little as 2 minutes – no credit check and no minimum deposit required.

Which banks let you open an account online?

A simple search for “online banks” will yield a long list of financial institutions that allow you to open an account online. Online financial institutions are popular with consumers because they offer 24/7 customer service, high-yield savings, and convenient features like mobile check deposit.

Many traditional brick-and-mortar banks now allow you to open an account online, though they may not offer the same features as online options. Always research and compare multiple financial institutions before opening an account.

Is there a bank that is completely online?

You can find several banks, credit unions, and financial tech companies that are completely online. For example, Chime offers banking services through partner banks without having any physical branches. Customers access their accounts online or via the mobile app.

With an online-only footprint, such banks and fintechs can typically offer high APYs on deposit accounts, low or no monthly fees, and unique features like early direct deposit access and fee-free overdraft.

How does online banking work?

Online banking means you manage your bank accounts using an online platform on your computer or an app on your mobile device. You can sign up for the account online, transfer funds from external accounts, set up direct deposit, and find ATMs near you to withdraw money when needed.

Common features of online banking include mobile check deposit and automatic savings tools, like Round Ups.12 If you open a high-yield savings account online, you can typically expect an interest rate higher than the industry average. Online checking accounts often have no monthly fees – and at Chime, there’s no minimum balance requirement.

What are the advantages and disadvantages of online banking?

Online banking has plenty of advantages, but some people may prefer a traditional banking experience. Weigh the pros and cons before opening an account.13


  • Higher interest rates: Online banks and fintechs can often offer high APYs on checking and savings accounts.
  • Low or no fees: Online banks and fintechs can offer accounts and services without monthly fees.
  • 24/7 access: With a website and mobile app, you can access your account whenever, wherever. Many online banks and fintechs also offer 24/7 customer support.
  • Features: Online banks and fintechs may offer unique features, like automatic savings tools, mobile check deposit, and in-app peer-to-peer payments.

  • ATM access: Because online banks and fintechs don’t have physical branches, many join extensive ATM networks. These make it easier for customers to withdraw cash quickly and conveniently.


  • No physical branches: If you prefer to visit a bank or credit union in person, especially when you have questions, find a financial institution with a brick-and-mortar branch.
  • Limited services: While large, traditional banks may offer a wide range of banking services (including personal loans, mortgages, and certificates of deposit), online banks may have more limited offerings.

  • Difficulty depositing funds: Without a physical branch, customers who regularly earn cash may have a harder time figuring out how to deposit their money.  

How do I do online banking on my phone?

To access your bank account on your phone, download your financial institution’s mobile app. Then log in to the app like you’d log in on your computer. Each financial institution’s mobile app works differently but typically offers features like mobile check deposit, instant transaction alerts, and ATM finders.

Chime’s mobile app allows you to set up two-factor and fingerprint authentication for added security. You can fully manage your Chime account within the app – everything from setting up direct deposit to opening a savings account to paying off your Chime credit card.

Is online banking safe?

Online banking can be just as safe as traditional banking. As long as the online bank or financial tech company is insured by the Federal Deposit Insurance Corporation (FDIC), it offers the same protections on your funds as a traditional brick-and-mortar bank.

For example, Chime offers FDIC insurance on all accounts through its partner banks.10 Chime also performs regular security tests to protect your money and personal information.

Online banks and financial technology companies may also offer security features to make mobile banking safer. You can guard the Chime app with two-factor and fingerprint authentication. The app also lets you freeze your debit card if it’s lost or stolen and get an instant transaction alert for every purchase. Check out all the online banking security features that Chime offers.

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 Chime is recommended by more of its users than that of any brand per 2023 Qualtrics® NPS score.

2 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

3 Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member's direct deposit enrollment status.

4 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.

5 Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your Savings Account.

6 Data pulled from Chase Checking Accounts: Compare as of September 19, 2022:

7 Data pulled from Chase Overdraft Services as of September 19, 2022:

8 Data pulled from Wells Fargo: Compare Checking Accounts as of November 2, 2022:

9 Chime Checking Account is required to be eligible for a Savings Account.

10 To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

11 Deposits in Chime accounts are FDIC insured through The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.

12 Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your Savings Account.

13 Based on information from multiple personal finance resources as of November 15, 2022:

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.