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
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.
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
Stop waiting and start getting paid early with direct deposit²
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.
Say goodbye to hidden fees¹
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.
Save money while you spend. Save when you get paid
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.
Your money is safe with Chime
Get Started Today
How to Open a Bank Account Onlinethrough 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:
- Social Security number
- Valid home address
- 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.
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