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

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

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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

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Personalized security settings

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

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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.

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Expect the best online banking features through Chime

The Chime app has over 600,000+ five-star reviews from users like you.

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All of Chime on the go

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

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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

How do you open an account online with Chime?

Learn more

What do you need to open a bank account?

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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 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 to open a bank account online through Chime

Apply in 2 minutes to start online banking through Chime. As long as you have the information listed in the previous question, the process is straightforward. 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 login 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 do not require an opening deposit to enroll and we do not 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 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.

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 #1 Most Loved Banking App Source: Chime received the highest 2021 Net Promoter Score among competitors in the industry according to Qualtrics®. Chime was the 2021 #1 most downloaded banking app in the US according to Apptopia®.

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 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month and Visa debit card activation. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher 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 limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See 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 September 19, 2022:

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