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

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

Better Online Banking

Banking made awesome

Welcome to better online banking through Chime. No hidden fees¹. Get paid up to 2 days early with direct deposit.² Grow your savings, automatically. Experience the ease and simplicity of online banking.

Finally, a banking app built by a tech company

  • Track your account balances, daily transactions, and savings from anywhere with the Chime mobile app.
  • Turn on balance notifications and instant transaction alerts any time you use your Chime Visa® Debit Card.
  • Send money instantly to friends using Pay Friends on our mobile banking app.

An Award-winning Mobile Banking App

Chime’s mobile banking app enables you to manage all of your online banking on the go. With over 135,000+ five star reviews in app stores, our mobile app has everything you need with a simple, intuitive design.

Learn About Our Online Banking Mobile App

Get Paid Up to 2 Days Early with Direct Deposit²

Tired of waiting for your direct deposit? Open a Chime Spending Account, set up Direct Deposit and you’re automatically eligible to receive your paycheck up to two days early.²

Learn About Early Direct Deposit

Stop waiting and start getting paid early with direct deposit²

  • Get a notification as soon as your direct deposit is posted into your Spending Account.
  • Never worry about paychecks getting lost in the mail.
  • No more waiting for your money.
  • Have up to 2 more days to get ahead of your bills.
Chime online banking no fees

No Hidden Fees¹

Hidden fees are sneaky. We are not. That’s why Chime offers online banking with no monthly fees or open deposit required. Applying for a Chime online bank account is completely free. There’s no opening deposit or minimum balance required, no international transaction fees, and if you lose your debit card, the new one’s on us.

Learn About No Hidden Fee Online Banking

Say goodbye to hidden fees¹

  • No monthly fees. No deposit required.
  • No minimum balance requirements.
  • No foreign transaction fees.
  • 60,000+ fee free ATMs¹ - more than the top 3 national banks combined!
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 ATMs—more than the top 3 national banks combined! Find them at stores you love, like Walgreens®, CVS®, and 7-Eleven®. You can also use the map in your Chime app to find the closest fee-free ATM near you.

Grow Your Savings Automatically

Saving money has never been so simple. We provide automation tools that help you grow your savings without thinking about it. Chime’s Automatic Savings is an optional Savings Account with several features that allow you to automate your savings plan and achieve your goals faster.

Learn About Our Savings Account

Save money while you spend. Save when you get paid

  • Save When You Spend: We round up every Chime Visa® Debit Card transaction to the nearest dollar and transfer the Round Up from your Spending Account to your Savings Account.
  • Save When You Get Paid: Automatically transfer 10% of every direct deposit $500 or more directly into your Savings Account when you set up Direct Deposit.

Banking Security and Control

At Chime, information security is a top priority. Deposits are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC. And we work hard to protect your information, such as by using encryption and other measures to help safeguard your money and data.

Learn About Mobile and Online Banking Security

Your money is safe with Chime

  • Deposits are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank N.A.; Members FDIC.
  • Shop worry-free at millions of merchants. Chime debit cards are protected by the Visa Zero Liability** Policy to ensure that cardholders will not be responsible for unauthorized charges.
  • We support two-factor authentication and support fingerprint authentication.

Get Started Today

Applying for an account is free and takes less than
2 minutes with no impact to your credit score.

How to Open a Bank Account Online
through Chime

What do I need to open a bank account?

To open a bank account online, there are a few basic requirements. Here are three things you’ll need to start opening your account:

  1. Social Security number
  2. Valid home address
  3. 18+ U.S. Citizen or resident of 50 United States

How do I open a mobile and online banking account through Chime?

Skip the branches, lines, and paperwork that some traditional banks require to open a checking account and apply instead for a new bank account online.  Chime makes the process of opening a bank account online easy. Here’s how to get started:

  • Visit member.chime.com/enroll/ and complete the enrollment form. Opening an online banking account through Chime takes less than 2 minutes.
  • Once enrollment is completed, we’ll send a Chime Visa® Debit Card in the mail to the address you provided. Your new debit card typically arrives in 7-10 business days.
  • Download our mobile banking app, and log in. You can connect your existing bank account to transfer funds or set up direct deposit  You can also login to online banking at chime.com when you need it.
Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC

Does opening bank account through Chime require a deposit?

Applying for a Chime Spending Account online is free with no opening deposit required.

Is a credit check required to open an account online?

Chime requires no credit check to open an account and provides 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. Chime offers a Spending Account that provides a second chance to rebuild your financial health because it doesn’t rely on consumer credit reporting agencies like ChexSystems. See how Chime accounts compare to second chance bank accounts

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.

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.

1 Out-of-network ATM withdrawal fees apply except at MoneyPass ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM. Other fees such as third-party and cash deposit fees may apply.

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.

** You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

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