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.

Chime is a financial technology company. Banking services provided by
The Bancorp Bank or Stride Bank, N.A.; Members FDIC

Finally, a banking app built by a tech company

  • Track your account balances, daily transactions, and savings from anywhere with the Chime mobile app.
  • Get daily 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.

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

  • 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 while it sits in mysterious electronic limbo.
  • 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. Apply is free for our online bank account. There’s no opening deposit or minimum balance required, no international transaction fees, and if you lose your debit card, the new ones on us.

Say goodbye to unnecessary bank fees

  • No monthly fees. No deposit required.
  • No minimum balance requirements.
  • No foreign transaction fees.
  • 38,000+ fee-free MoneyPass® and Visa® Plus Alliance ATMs.

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

  • 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 paycheck directly into your Savings Account when you set up Direct Deposit.

Banking Security and Control

Your mobile and online banking security and privacy are our priority and your money is always protected. Chime offers industry standard banking security, plus a few extra special tools to keep your money safe.

Your money is safe with Chime

  • 128-bit AES encryption, access control, and secure processes to ensure your money is always safe.
  • Instant transaction notifications ensure you are the first to know about unusual transactions.
  • Instantly block your card if it goes missing or you suspect unauthorized use via the Chime mobile banking app.
  • Shop worry-free at millions of merchants. Chime debit cards are protected by the Visa Zero Liability Policy²

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 more traditional banks require to open a checking account and apply for a new bank account online.  Chime makes the process of opening a bank account online easy. Here’s how to get started:

  • Visit and enter your personal info and complete the enrollment form. Opening an online banking account with 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 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 online banking 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 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 compares to other 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.

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 cash withdrawal fees apply. 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.

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