Fee-Free Banking

When you open a Chime Checking Account you get a that can be used at any merchant that accepts Visa. Your Chime Debit Card can also be used with mobile-payment providers such as Apple Pay^®, Google Pay^® or Samsung Pay^®. Other features our members love about our Chime Visa Debit Card are instant transaction notifications anytime your card is swiped, the ability to instantly block your card and order a replacement Debit Card all from within the Chime mobile app.

The Chime Credit Builder Visa® Credit Card is our no fee, no interest^<, secured credit card that helps you build your credit. Unlike traditional credit cards, Credit Builder helps you build credit with no annual fees and no interest. There’s also no credit check to apply.  The money you move into Credit Builder’s secured deposit account is the amount you can spend on the card. Unlike other secured credit cards, that money can be used to pay off your monthly balances. Since Credit Builder doesn’t have a pre-set limit and does not report utilization, spending up to the amount you added won’t contribute to a high-utilization record on your credit history. Learn more about how Credit Builder works.

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 at least 18 years of age, with a valid social security and a resident of the U.S.

Chime offers an online bank account and a . 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 chime.com when you need it.

Once enrollment is completed, we’ll send a free Visa^® 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.

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.

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.

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 deposits in your Chime account are FDIC-insured through the The Bancorp Bank, N.A. and Stride Bank, N.A.^†

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-free¹ at any of the 8,200+ Walgreens locations around the country – or at 85,000 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.

The Chime app offers everything you’d want out of a traditional banking experience but in one, easy-to-use mobile app that you can access wherever you are. Use the Chime app to check your account balances, deposit a check,⁵ send money to friends,^> and transfer funds between your Chime Checking and Chime Savings Accounts. You can even transfer money to and from an external bank account, integrate your Chime debit card with your mobile wallet, and find nearby ATMs for easy cash withdrawals.

Find out why more than 1,000,000 users gave the Chime app a five-star review on the Google Play^® and Apple App Store^® when you open a Chime account.

There are tens of thousands of in-network fee-free ATMs^†† across the country. Just open your Chime mobile app and select the ATM Map in the right corner of your app home screen to find a fee-free ATM near you.

You can add money to your Chime Checking Account by making a fee-free cash deposit¹ at any Walgreens location nationwide. And it’s not just Walgreens – for a fee, you can deposit cash into your Chime account at more than 85,000 retailers across the country.

You can also fund your debit card with direct deposit, mobile check deposit,⁵ instant transfers,⁶ and bank transfers, all in the mobile app.

It is free to apply for a Chime Checking Account. However, certain minimal fees, like out-of-network ATM fees^†† exist. Chime has no minimum balance, monthly fees, or overdraft fees. We don’t believe in profiting from our members’ misfortune. We want to keep everything out in the open so you know exactly what fees we may charge to your online checking account, which are listed below.

All fee amounts will be withdrawn from your Chime Checking Account. They will be assessed as long as there is a remaining balance in your Chime Checking Account, except where prohibited by law.

Any time your remaining balance is less than the fee amount being assessed, the balance of your Chime Checking Account will be applied to the fee amount. 

You can also find this fee schedule in the Bancorp Account Agreement and Stride Account Agreement.

*If you use an ATM that is not a MoneyPass ATM in a 7-Eleven, Inc. location, an Allpoint ATM, or a Visa Plus Alliance ATM for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator even if you do not complete a withdrawal. This ATM fee is a third-party fee amount assessed by the individual ATM operator only and is not assessed by us. This ATM fee amount will be charged to your Checking Account.

No. If you do not have sufficient funds in your Chime^® Checking Account or have reached your SpotMe⁺ limit (if enrolled), then your Chime Visa^® Debit Card will be declined. There is no fee for declining transactions or for utilizing SpotMe^®.

There are multiple ways to deposit money into your online checking account.

You can set up direct deposit by providing your Chime routing and account number to your employer or payroll provider. Your routing number can be found in the Move Money and Settings sections of the Chime app or at chime.com. You can also have a direct deposit enrollment form emailed to you from the Move Money section of the Chime app.

We will only post deposits that are sent under your name. All others will be returned to the sender.

Get access to your paycheck up to two days early^# with direct deposit. Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically.

Deposits into the Chime Checking Accounts are insured up to the standard maximum deposit insurance amount of up to $250,000 through our partner banks, Stride Bank, N.A. or The Bancorp Bank, N.A., Members FDIC.^† Chime itself is not FDIC-insured; The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

Chime is not a bank. Chime is a financial technology company that offers banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. Chime members can have a with an optional Savings Account, and can grow their credit history by applying for a secured Chime Credit Builder Visa^® Credit Card – all while enjoying the benefits of online banking and . Eligibility requirements apply for Credit Builder card.⁷

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. Chime is also not a prepaid card. Through its bank partners, Chime offers a full-service with a Chime Visa^® Debit Card for spending and using at 50,000+ fee-free in-network ATMs.^†† Out of Network ATM fees apply. See Chime.com for more details.

To use Pay Anyone^> in the Chime app to send money:

1. Log in to your Chime mobile app.

2. Select the Pay Anyone tab.

3. Search for your friend’s name or $ChimeSign, or enter the email or phone number of someone who isn’t on Chime.

4. Enter the amount to send to the recipient and the reason that you’re sending the money.

5. Confirm the amount and the recipient. 

Choose Pay now to send the money.

No! You can send money to anyone, whether they’re on Chime or not, all within the Chime app without paying a fee. With Chime, you don’t have to keep juggling 5 different P2P apps like Cash App, Venmo, or Zelle.

It’s pretty simple, really: We think overdraft fees are the pits, so we decided to get rid of them. SpotMe^® is a totally free service for eligible Chime members who overdraft their Chime Checking Account and is now available for members when they use their secured Chime Credit Builder Visa Card.

Once you’re eligible, enroll in SpotMe (it’s fee-free!), and we’ve got your back when you overdraft your account by up to $200.⁺