Deposit Account Agreement
PLEASE READ CAREFULLY
Table of Contents
- Deposit Agreement and Disclosures
- Our Agreement
- Account Basics
- General Rules Governing Deposit Accounts
- Using The Chime Visa Debit Card
- Electronic Banking Services
- Electronic Funds Transfer Disclosure and Special Terms and Conditions
- Truth in Savings Disclosures
- Mobile Check Deposit
- Fee Schedule
- General Funds Availability
- Use of Online or Mobile Services Terms
Deposit Agreement and Disclosures
Please read this carefully and retain it for future reference. This Deposit Account Agreement (the “Agreement”) is revised periodically, so it may include changes from earlier versions.
This Agreement governs the demand deposit account (“Account,” “Checking Account,” or “Chime Account”) available from The Bancorp Bank, N.A. Wilmington, Delaware, member of the Federal Deposit Insurance Corporation (“FDIC”) (the “The Bancorp Bank, N.A. ,” the “Bank,” or “Issuer”) on behalf of Chime Financial, Inc., the program partner responsible for managing the Chime Account (“Chime”). “We,” “our,” and “us” refer to the Bank, our successors, affiliates, or assignees. “You,” “your,” and “member” refer to the owner of the Deposit Account.
You may open the Checking Account at the Chime Website (the “Website”) or by downloading the Chime mobile application (the “Mobile App” or “Chime Mobile App”). The Checking Account is not designed for business use, and we may close the Checking Account if we determine it is being used for business purposes. We may refuse to process any transaction(s) that we believe may violate the terms of this Agreement.
Our business days are Monday through Friday, excluding federal holidays, even if we are open. Any references to “days” found in this Agreement are calendar days unless indicated otherwise.
By providing a written or electronic signature on a signature card or opening, or continuing to hold an account with us, you agree to the most recent version of this Agreement, which is available to you at www.chime.com, or by calling us at the number listed on the last page of this Agreement.
CELLULAR PHONE CONTACT POLICY
By providing us with a telephone number for a cellular phone or other wireless device, including a number that you later connect to a cellular device, you are expressly consenting to receiving calls and messages, including but not limited to prerecorded or artificial voice message calls, SMS (including text messages), and calls made by an automatic telephone dialing system-from us, our affiliates, agents, Chime, Chime’s affiliates, and Chime’s agents, and others calling at our request at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider according to the type of plan you carry.
Chime Checking Account Eligibility
The Checking Account is available to citizens or legal permanent residents of the fifty (50) United States (“U.S.”) or the District of Columbia; who are at least 18 years of age with a valid Social Security number; and who provide us with a U.S. residential street address (not a P.O. Box). You must agree to accept electronic, rather than paper statements – this means; (i) you must keep us supplied with your valid email address; and (ii) you must agree to accept electronic delivery of all account communications (such as end-of-year tax forms and electronic statements).
We may use information from third parties to help us determine if we should open your Checking Account.
Opening an Account
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means for you: When you open an Account, we will ask for your name, address, date of birth, and other non-public personal information that will allow us to identify you.We may also ask to see a copy of your driver’s license or other identifying documents.
The Checking Account
The Checking Account consists of the online transaction demand deposit account used to make payments and transfers to third parties online or through the use of a Chime Visa® Debit Card (“Card”) that is automatically issued with the Account. The Chime Checking Account is a personal, checkless account. We will not issue you a personal checkbook to write checks from your Account. The only paper checks allowed for the Checking Account are those issued through Chime Checkbook. If you attempt to obtain and use a personal checkbook, the check will be rejected. For more information about Chime Checkbook, see section E.1 below.Members have the option to open a linked Chime Savings Account (“Chime Savings” or “Savings Account”) which is an interest-bearing savings account. Separate terms and conditions apply to Chime Savings: see chime.com for additional information.
Account Titling and Ownership
The Checking Account may only be owned and titled in the name of one person who may deposit, transfer, or withdraw funds. The Checking Account cannot be owned or titled jointly, by any organization, as Payable on Death (“POD”) or “In Trust For” (“ITF”).
Death or Incapacitation
You or your appointed party, designee, or appointed individual agree to notify us promptly if you die or become legally incapacitated. We will continue to accept deposits and process transaction instructions into and from your Checking Account until we are: (a) notified of your death or adjudication of incompetency and (b) have a reasonable opportunity to act. You agree that, even if we have knowledge of your death we may pay or process transactions on your Checking Account on or before the date of death for up to ten (10) days after that date unless ordered to stop payment by someone claiming interest in the Checking Account. We may require additional documentation to confirm any claims made on the Checking Account.
Power of Attorney
You may give another person authority to make transactions on your Checking Account by giving power of attorney to another individual. The account owner and person executing power of attorney over a deposit account is known as the “Principal.” The person granted Power of Attorney for the Principal is known as the “Agent.” We may refuse to accept a power of attorney for reasonable cause, and we may require the Agent to sign an affidavit stating that the power of attorney presented to us is a true copy and that, to the best of the Agent’s knowledge, the Principal continues to be alive and competent and that the relevant powers of the Agent have not been amended or terminated. The Principal is responsible to provide us with any information if an affidavit presented to us is untrue or misleading or if the Agent exceeds the authority granted by the Principal in the power of attorney. The Agent is required to notify us in writing if the Principal dies or is declared incompetent. The power of attorney will continue in force until a) we receive written revocation from the Principal; b) we receive written notification of the Principal’s death, or c) we receive written notification of the death or incapacity of the Agent.
Our Relationship With You
This Agreement and the deposit relationship do not create a fiduciary relationship.
General Rules Governing Deposit Accounts
The Checking Account and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of the Checking Account is subject to all applicable laws, rules, regulations, and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the laws of the State of Delaware except to the extent governed by federal law.
Deposits to the Account
Make deposits to your Checking Account using any of these methods:
Transaction Type Frequency and/or Dollar Limits Direct Deposits or other ACH Transfers to the Checking Account initiated from an outside financial institution* No limit to the number of times per calendar day
No maximum dollar limit
Deposits using a external debit card (no gift cards or credit cards) from an outside financial institution* 1 time total for the lifetime of your Account, minimum of $25.00; maximum of $200.00*** Cash Loads** Available within two (2) hours after loading 3 per day $1,000.00 per load; $1,000.00 per day; $10,000.00 per calendar month ACH Transfers to the Checking Account initiated from the Mobile App or Website No limit to the number of times per day. $10,000.00 per day, maximum of up to $25,000.00 per calendar month*** Pay Anyone Transfers funded by an external debit card from an outside financial institution See “Pay Anyone Transfer Limits” for more information *DIRECT DEPOSITS OR CREDITS USING A DEBIT CARD FROM AN OUTSIDE FINANCIAL INSTITUTION: The recipient’s name on any such deposits we receive must match the name of the Chime Accountholder. Any such deposits received in a name other than the name registered to the Checking Account will be returned to the originator. Deposits using an external debit card from an outside financial institution may be available within minutes of a successful transaction, however there may be times when such transactions are delayed due to network timing or other factors. These transactions are final and non-refundable.
** THIRD PARTY MONEY TRANSFER services used to load funds to your Checking Account may impose their own fees, per transaction, daily, weekly or monthly limits on the frequency or amount of cash you may load to the Checking Account.
*** Certain members may be eligible for higher transfer limits based on Checking Account history, at our discretion. New Checking Accounts open less than thirty (30) days or Checking Accounts with a Chime Visa Debit Card that has not been activated will be limited to a single transfer.
We may change these limits with notice to you. To determine the current limits that apply to you, you can access them under the settings section of the Mobile App, contact Member Services by calling 844-244-6363, email firstname.lastname@example.org, or ask the Chime Chatbot within the Mobile App.
IMPORTANT: If your Checking Account number changes you must immediately notify your employer or any other payors. You must provide them with the new Checking Account number to ensure that your direct deposit activity continues uninterrupted.
The above may be unavailable or delayed from time to time due to risk-based restrictions, scheduled maintenance, changes to our services, unforeseen circumstances, or outages. Chime will give you reasonable notice if your access to feature changes or is no longer available to you.
No Cash, Paper Checks or Foreign Currency
We are not liable for any deposits, including cash, lost in the mail, lost in transit, or not received by us.
- Cash – We do not accept deposits made in cash. If you mail a cash deposit, the cash will be sent back to the address we have for you on file.
- Paper Checks – Personal checks, cashier’s checks, and money orders may not be deposited by mail. All checks and money orders sent to us for deposit will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be deposited to the Account at our discretion.
- Foreign Currency – We do not accept deposits in foreign currency. Any deposits received in foreign currency, cash or check, will be sent back to the address we have for you on file.
Please refer to Section IV labeled “MOBILE CHECK DEPOSIT” 6. “Limits and Funds Availability” and Section VI labeled, “GENERAL FUNDS AVAILABILITY” for additional information.
Your Checking Account number and bank routing number can be used for preauthorized direct debits (“ACH Debits”) from merchants, Internet service or other utility service providers (“Merchants”) and for the purpose of initiating direct deposits to your Checking Account. These transfers will be processed under the Operating Rules of the National Automated Clearing House Association (“NACHA”) and you agree to comply with the NACHA rules. Detailed information regarding preauthorized transfers is available in Section II, labeled “Electronic Funds Transfer Disclosure and Special Terms and Conditions“.
NOTE: The recipient’s name on any direct deposit(s) we receive must match the name of the Chime Accountholder. Any direct deposits received in a name other than the name registered to the Checking Account will be returned to the originator.
IMPORTANT: If your Checking Account number changes you must immediately notify the Merchants. You must provide them with the new Checking Account number to ensure that the ACH Debit activity continues uninterrupted.
Problems That Could Occur with Deposits
Overpayments and Reversals. If funds are deposited or transferred into your Checking Account by mistake or otherwise, you agree that we may correct the situation by deducting the amount of the deposit from your Checking Account without prior notice to you. If there are not enough funds in your Checking Account at that time, your Checking Account could become overdrawn. See the “No Overdrafts” and “Right to Set Off” sections below for more information about what could occur if your Checking Account has a negative balance.
You are not permitted to overdraw your Checking Account, unless you are eligible for and are enrolled in SpotMe. If the available balance in your Checking Account is not sufficient to cover any payment or withdrawal you have authorized, we can refuse to process the payment or withdrawal. If your Checking Account balance becomes negative for any reason, you must make a deposit immediately to cover the negative balance. If your Checking Account has a negative balance for an extended period of time and you have another account with us, we reserve the right to exercise our right to set off. See the “Right to Set Off” section below for details. If your Checking Account has a negative balance for ninety (90) calendar days or more it will be closed. Chime and / or the Bank reserve the right to close your Chime Account and any other Chime-branded Account(s) you have opened if you overdraw your Checking Account in violation of these terms or the Terms and Conditions of SpotMe (see below).
For Chime members who are eligible for and are enrolled in SpotMe, we will approve debit card purchases that result in a negative balance on your Chime Checking Account up to a specified amount. To be eligible, you must (at a minimum):
- be 18 years of age or older;
- have a Chime Checking Account in good standing;
- have received a single deposit of $200 or more in qualifying direct deposits into your Chime Checking Account over the preceding 34-day period;
- have an Apple iOS or Android smartphone with a data plan; and
- meet any other requirement which Chime may impose pursuant to the Chime SpotMe Terms & Conditions, available here.
Right to Set Off
If your Checking Account balance becomes and remains negative for fifteen (15) days, you agree that we can use the funds in any of your Accounts to repay the amount owed on the negative balance Checking Account. This means, we have the right to set-off any liability, direct or contingent, past, present, or future that you owe against any Account you have with us. Further, you grant us a lien on and security interest in the funds on deposit in each of your Account(s) as security for all of your liabilities and obligations to us, now or in the future. We will notify you if we have exercised our right to set off. This provision shall not apply to negative balances to the extent they are caused by the authorized use of SpotMe.
Legal Processes Affecting Accounts
If legal action such as a garnishment, levy or other state of federal investigation or legal process (“Legal Process”) is brought against your Checking Account, we may refuse to permit (or may limit) withdrawals, transfers, closures, or refunds from your Checking Account until the Legal Process is satisfied or dismissed. Regardless of the terms of such Legal Process, we have first claim to any and all funds in your Checking Account. We will not contest on your behalf any such Legal Process and may take action to comply with such Legal Process as we determine to be appropriate in the circumstances without liability to you, even if any funds we may be required to pay out leaves insufficient funds to pay a transaction that you have authorized. Payment is made after satisfying any fees, charges or other debts owed to us. You agree that you are responsible for any expenses, including legal expenses and fees we incur due to any Legal Process on your Checking Account. We may charge these expenses to your Checking Account. You will indemnify us for any losses if we do this.
- Account Holds, Suspensions, Restrictions, and Closures
Chime and/or Bank may suspend, freeze, restrict, or close your Account for any reason with or without notice. Such reasons include, but are not limited to:
- If we, at any time, believe a member is using the Checking Account and/or associated Chime Visa® Debit Card for fraudulent or illegal purposes, or such member otherwise presents an undue risk to Chime and/or the Bank as determined in our sole discretion.
- Your use conflicts with any federal, state, or local law, rule or regulation, including federal foreign asset control and sanction regulations and anti-money-laundering regulations, or with our policies adopted to assure that we comply with those laws, rules or regulations.
- We receive a regulatory directive, court order or other Legal Process request to suspend or close your account.
- Your non-fraudulent actions nonetheless violate any part of the Deposit Account Agreement.
If our monitoring of the Checking Account detects any such activity, the Account funds will be subject to a hold pending review of the activity by the Bank and/or Chime. The Bank and/or Chime may require you and other parties to the activity to produce documents and/or other materials evidencing the validity of the activity. Funds on deposit in any Account are subject to hold at the Bank’s discretion until the source of such funds and/or the activity is properly verified. The Bank and/or Chime also may temporarily or permanently reduce your limits on deposits to, or withdrawals or transfers from, your Account without prior notice to you, unless prior notice is required by applicable law, rule, or regulation.
Amendment and Cancellation
We may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement on www.chime.com, and any such amendment shall be effective upon such posting to that Website. The current Agreement is available at www.chime.com. You will be notified of any change in the manner provided by applicable law, rule, or regulation prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. We may cancel or suspend your Checking Account or this Agreement at any time.
You may cancel this Agreement by calling 1-844-244-6363 to close your Checking Account. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.
If your Checking Account is cancelled, closed or terminated for any reason, you may be eligible to receive the unused balance be returned to you via check sent to the mailing address we have in our records. For security purposes, you may be required to supply identification and address verification documentation prior to issuing a refund check. Allow up to fourteen (14) days for processing of the refund check. Your check will be mailed to you to the address on file after it is processed. In the event the program is cancelled, closed, or terminated, we will send you prior notice, in accordance with applicable law, rule, or regulation. Specific information and instructions, including how to receive any remaining Checking Account balance, will be in the notice. We reserve the right to refuse to return any unused balance amount less than $1.00, unless required by applicable law, rule, or regulation.
Account Dormancy and Escheatment
An Account that is inactive for a period of time may be considered dormant and is subject to escheatment. Each state has varying laws as to when an account is subject to escheatment and we may be required to send the balance in your Checking Account to the state of your last known address. We will make all reasonable efforts to contact you before transferring the remaining balance of your Checking Account to the applicable state. For a Checking Account with an international address, the funds will be remitted to the State of Delaware.
Electronic statements are available to view and print at chime.com. Checking Account statements are considered to be correct. Carefully review your statements each statement period and notify us of any errors within sixty (60) days of your statement becoming available. You also have a right to obtain a sixty (60) day history your Checking Account transactions by calling us at 1-844-244-6363, sending us an email at email@example.com, or by writing to us at Chime Member Services, P.O. Box 417, San Francisco, CA 94104-0417. You will not automatically receive paper statements.
Special Rules for New Accounts
Checking Accounts open less than thirty (30) days or Checking Accounts with a Chime Visa Debit Card that has not been activated will be limited in functionality. You may not be eligible to use or may be limited in your ability to use certain features such as Pay Anyone, and Chime Checkbook until the Chime Visa Debit Card has been activated and the Checking Account has been open for at least thirty (30) days. In addition, certain transfer limits may be lower during this time as indicated in Section C, “1. Deposits to the Account”, Section E, “1. Electronic Banking Services” and Section II, “ELECTRONIC FUNDS TRANSFER DISCLOSURE AND SPECIAL TERMS AND CONDITIONS”.
Using The Chime Visa Debit Card
You will receive a Chime Visa Debit Card (“the Card”) with your Checking Account. You acknowledge and agree that the funds accessible through use of the Card are limited to the available funds in your Checking Account, unless you are eligible for and are enrolled in SpotMe. You agree to sign the back of the Card immediately upon receipt. The expiration date of the Card is identified on the front of the Card. The Card is the property of the Issuer and must be surrendered upon demand. The Card is nontransferable, and it may be cancelled, repossessed, or revoked at any time without prior notice subject to applicable law, rules, or regulations.
Activate The Card
You must activate the Card before it can be used. You may activate it by calling 844-244-6363 or online at www.chime.com or through the Mobile App. You will need to provide personal information in order for us to verify your identity. Certain functionality outlined in this Agreement may be restricted prior to activating the Card, for details see Section C, “1. Deposits to the Account”, Section E, “1. Electronic Banking Services” and Section II, “ELECTRONIC FUNDS TRANSFER DISCLOSURE AND SPECIAL TERMS AND CONDITIONS”
Personal Identification Number
You will not receive a Personal Identification Number (“PIN”) with the Card. However, you will be prompted to select a PIN when you activate it. See the activation instructions in the “Activate The Card” section. You should not write or keep your PIN with your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the section labeled “Your Liability for Unauthorized Transfers.”
Authorized Card or Checking Account Users
You are responsible for all authorized transactions initiated and fees incurred by use of the Card or Checking Account. If you permit another person to have access to your Card, Card number(s), Checking Account number(s) or PIN, you will be deemed to have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of your Checking Account according to the terms and conditions of this Agreement
You may not request an additional Card for another person
Your Representations and Warranties
By activating the Card or by retaining, using or authorizing the use of the Card provided with the Checking Account, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States (“U.S.”) or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Checking Account is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.
Cash Access and Transaction Limitations
With your PIN, you may use the Card to obtain cash from your Checking Account at any Automated Teller Machine (“ATM”) or any Point-of-Sale (“POS”) device, as permissible by a merchant, that bears the Visa®, or Interlink®, Plus® Acceptance Marks. All ATM transactions are treated as cash withdrawal transactions. You may use the Card at an ATM and withdraw funds at a participating bank (“Over The Counter” or “OTC” withdrawals). ATM and OTC cash withdrawals, funds withdrawn at a POS, and purchases each count toward the $2,500.00 maximum amount that can be spent on the Card per day.
Below are the itemized cash access and spending limits for your Checking Account at the time of account opening. Certain members may later be eligible for higher transaction limits at our discretion, based on Checking Account history. We may change these limits with notice to you. To determine the current limits that apply to you, you can access them under the settings section of the Mobile App, contact Member Services by calling 844-244-6363, email firstname.lastname@example.org, or ask the Chime Chatbot within the Mobile App.
Transaction Type Frequency and/or Dollar Limits* ATM Withdrawal No limit to the number of times per day
Up to $515.00 per day*
Over The Counter “OTC” Withdrawals No limit to the number of times per day
Up to $515.00 per day*
Card Transactions (Signature and PIN) No limit to the number of times per day
Up to $2500.00 per day
*Daily limits refer to 24-hour rolling timeframes (for example, Tuesday 2:00pm – Wednesday 2:00pm). ATM and POS device owner-operators, merchants and participating banks may impose their own fees and lower limits on cash withdrawals.
You may use the Card to purchase or lease goods or services everywhere Visa debit, Interlink or Maestro® Cards are accepted as long as you do not exceed the available balance of your Checking Account. Some merchants do not allow customers to conduct split transactions where the Card is used as partial payment for goods and services and the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in the Checking Account to the Card. You must then arrange to pay the difference using another valid payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Card, the Card is likely to be declined.
If you use the Card at an automated fuel dispenser (“pay at the pump”), the transaction may be preauthorized for an amount equal to $75.00 or more. If the Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount.
All transactions relating to car rentals may result in a hold for that amount of funds for up to thirty (30) days.
If you use the 16-digit Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with the Card. The Card cannot be redeemed for cash. You may not use the Card for any illegal online gambling or any other illegal transaction.
Each time you use the Card, you authorize us to reduce the value available in the Checking Account by the amount of the transaction and any applicable fees. Unless you are eligible for and are enrolled in SpotMe, and acting in accordance with the SpotMe Terms and Conditions, you are not allowed to exceed the available amount in the Checking Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available in the Checking Account, you shall remain fully liable to us for the amount of the transaction and any applicable fees, unless such transaction is caused by the authorized use of SpotMe. See these provisions in Section C for additional details if your Checking Account balance becomes negative: “6. No Overdrafts,” and “7. Right to Set Off.”
You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to sixty (60) days
Non-Visa Debit Transactions
New procedures are in effect that may impact you when you use the Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit, Interlink or as a Maestro transaction.
Merchants are responsible for and must provide you with a clear way of choosing how to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the Interlink or Maestro network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the Interlink or Maestro network. Please refer to the section labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions.
To initiate a Visa debit transaction at a point-of-sale, swipe the Card through the POS terminal, sign the receipt, or provide your 16-digit Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter your PIN at the POS terminal or provide your 16-digit Card number after clearly indicating a preference to route your transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.
- Transactions Made In Foreign CurrenciesIf you obtain funds or make a purchase in a currency other than the currency in which the Card was issued, the amount deducted from the available balance of your Checking Account will be converted by Visa into an amount in the currency of the Card. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date.
You should get a receipt at the time you make a transaction using the Card. You agree to retain, verify, and reconcile your transactions records and receipts.
If you need to replace the Card for any reason except at Card expiration, you can do so by calling 844-244-6363 or through the Mobile App to request a replacement card. You will be required to provide personal information which may include your Checking Account number, 16-digit Card number, full name, transaction history, copies of acceptable documentation, etc.
The Card will expire no sooner than the date printed on the front of it. You will not be able to use the Card after the expiration date; however, a replacement Card will be automatically mailed to you prior to the expiration of the Card. If you need a Card replacement for any reason other than the Card’s expiration, you may request one at any time by following the procedures in the section labeled “Card Replacement.”
Electronic Banking Services
The following features (Chime Checkbook and Pay Anyone) are available with your Checking Account after it has been open for 30 days or more, and/or your Chime Visa Debit Card has been activated.*
- Chime Checkbook
With your Checking Account, you will have access to the Chime Checkbook feature (the “Checkbook”) through the Mobile App or Website. The Chime Checkbook does not include a checkbook that enables you to write personal checks from your account, rather, it is a feature which allows you to authorize us to make payments to individuals or companies by check on your behalf. You will not have access to the Checkbook until both your Checking Account has been open for a minimum thirty (30)-day period that begins on the calendar day that your first successful deposit is made to your Checking Account and you have activated your Card.
To initiate a payment using the Checkbook, you must provide the name and mailing address of each individual or company you wish to pay. Once a payment is authorized, the payment amount will be immediately deducted from your Checking Account balance. Payments made using the Checkbook take the form of a paper check sent to the payee on your behalf using standard U.S. Postal Service mail. Please allow three to nine (3-9) business days for delivery of the check. Payments can only be sent to addresses located within the fifty (50) states of the U.S. Checkbook payments are processed daily by 8 AM MST. Checkbook payments initiated after this time will be processed by 8 AM MST the next business day. Chime reserves the right to refuse to process payments to any individual or company. If the decision is made to refuse a payment, Chime will notify you on or before the next business day.
These are the limits when using Chime Checkbook:
|Transaction Type||Frequency and/or Dollar Limits|
|Chime Checkbook Payment||No limit to the number of payments per calendar day|
Up to $10,000.00 per payment, maximum of $25,000.00 per calendar month
We may change these limits with notice to you. To determine the current limits that apply to you, you can access them under the settings section of the Mobile App, contact Member Services by calling 844-244-6363, email email@example.com, or ask the Chime Chatbot within the Mobile App.
Checkbook payments may be refused or returned by the individual or company to whom the payment was issued. The determination to accept this method of payment is at the discretion of the recipient. The U.S. Postal Service may also return payments in cases of expired or invalid addresses. If the Checkbook payment is returned for any reason, the payment will be voided, and the full amount credited to your Checking Account the next business day. If your Checking Account is closed when the Checkbook payment is returned to us, we will issue you a check and mail it to the address we have on file for you.
Uncashed Checkbook Payments: Uncashed Checkbook payments are voided after 180 days. Funds from voided checks will be credited to your Checking Account by 8 AM MST on the next available business day.
There is no fee to use the Checkbook.
CANCELLING A CHECKBOOK PAYMENT: You may cancel a single Checkbook payment as long as it has not been presented for payment by calling 1-844-244-6363. Funds from any cancelled check will be credited to your Checking Account by 8 AM MST on the next available business day.
LIABILITY FOR FAILURE TO STOP PAYMENT OF A CHECKBOOK PAYMENT: If you request cancellation of a Checkbook payment within three (3) three business days or more before it is scheduled to be made, and Chime does not cancel it in time, Chime will be liable for your losses or damages.
- 2. Pay Anyone Transfers
Subject to the terms of this Agreement, and applicable laws, rules, and regulations, your Checking Account includes access to the Pay Anyone Transfer Service (“Pay Anyone”, formerly known as the “Pay Friends Transfer Service” or “Pay Friends”) via the Mobile App or Website. This service allows you to send money to or receive money from, other Chime members (“Pay Anyone Transfers”).
Your access to Pay Anyone is determined by Chime in its sole discretion based on the history of any Chime-branded accounts you have, your use of Pay Anyone in the past, direct deposit history and direct deposit amounts and other risk-based factors. Chime may suspend or terminate your use of Pay Anyone at any time and without prior notice to you, unless required by applicable law, rules, or regulations. If you violate the terms of Pay Anyone, such actions may be used as a basis to terminate your Checking Account.
By using the Pay Anyone feature, you agree that you will not post, transmit, distribute, or disseminate through any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability or violates these terms and the Agreement; or (c); in our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of Pay Anyone, or which may expose Chime, the Bank, its affiliates or its customers to harm, reputational risk, or liability of any nature.
Using the Pay Anyone Transfer Service
To send a Pay Anyone Transfer, login to the Mobile App or Website and select ”Pay Anyone.” Next, to select a recipient you may either scroll through your contacts and tap on your selected recipient, or enter the intended recipient’s name, email address, mobile phone number, or the recipient’s Username (referred to as either the “Username” or “$ChimeSign”). Finally, input the Pay Anyone Transfer dollar amount you would like to send and tap “Pay.”
Pay Anyone Transfers are automatically debited from the sender’s Checking Account. Pay Anyone Transfers will be monitored and may be held, delayed or blocked if, in Chime’s or Bank’s sole discretion, completing the transfer could result in fraud or another form of financial harm. Chime may require additional information to complete a Pay Anyone Transfer.
You must make sure the recipient’s email address; mobile phone number or Username is entered accurately to ensure the Pay Anyone Transfer is sent to the correct recipient. The obligation to pay the Pay Anyone Transfer will be paid as instructed and will not be excused by an error in the information entered by you.
By using Pay Anyone, you are representing that you are the owner of the mobile phone number or email address associated with your Checking Account. You consent to have the first and last name registered on your Checking Account associated with the Username; which will be visible to other Chime members who search for you by Username. This will assist the sending Chime member in verifying that you are the correct intended recipient of the Pay Anyone Transfer. You may change your Username at any time by going to your Settings and tapping Edit in the Personal Information Section. If you do not wish to allow other members to find you using your $ChimeSign, you may opt-out by going to your Settings and tapping off the functionality in the Privacy section.
Please note: The email address, mobile phone number or Username entered during the Pay Anyone Transfer will display in your transaction history and on your statement for your reference. Additionally, if a Username was used to facilitate the Pay Anyone Transfer, the first name and last initial of the receiving Chime member will display in your transaction history after the Pay Anyone Transfer has been processed. A reference field is also available to add a personalized message to the recipient. These messages will be visible in your online transaction history but will not be included on your monthly statement.
Requesting Funds through Pay Anyone
You may request funds to be transferred to you through Pay Anyone by designating the amount of funds requested and your selected sender. If the sender approves your request for funds, your request will become the sender’s Pay Anyone Transfer and be processed as described below.
Please note: You may only request funds from other Chime members. Non-Chime members cannot send funds to you without signing up and being approved for a Chime Checking Account.
Recipients of Pay Anyone Transfers
You may initiate sending money to a Chime member or non-Chime member. Once you have selected and confirmed your recipient’s email address or phone number, input the Pay Anyone Transfer dollar amount you would like to send and tap “Pay.”
Pay Anyone Transfers between Chime Members
- The sender and recipient must have an active Chime Checking Account in order to receive a Pay Anyone Transfer(s).
- Pay Anyone Transfers will be applied to the Checking Account associated with the recipient’s email address, mobile phone number, or Username entered by the sender.
- Approved Pay Anyone Transfers between Chime members are automatically debited from the sender’s Checking Account and typically deposited to the recipient’s Checking Account within seconds.
Prior to sending a Pay Anyone Transfer; the sender will be prompted to confirm the transaction. Once the Pay Anyone Transfer is processed, it cannot be canceled. It is the sender’s responsibility to ensure the information is accurate prior to confirming the Pay Anyone Transfer request.
Pay Anyone Transfers to Non-Chime Members
If your recipient is not a Chime member, then they will receive a Short Message Service (“SMS”) notification or email, depending on what information you provided, indicating that you have sent them money. In order for the transaction to be completed, your Recipient must claim the money within fourteen (14) days.
The non-Chime member recipient may claim funds in one of two ways:
- The recipient may apply and be approved for a Chime Checking Account. The funds will be deposited into the recipient’s Chime Checking Account
- The recipient may claim the funds by using the landing page in the notification received in the above steps, and inputting all information required on Chime’s webpage.
If the recipient does not claim the money within fourteen (14) days, the payment will be cancelled, and the Pay Anyone Transfer dollar amount will be returned to your Checking Account. You can cancel a Pay Anyone Transfer to a non-Chime member in the Mobile App within fourteen (14) days of initiating the transfer, as long as the non-Chime member has not already claimed the funds.
Fees: There are no fees associated with the use of the Pay Anyone Transfer Service.
Mobile Carrier Information: By registering a mobile phone number on your Checking Account, you are certifying that you are the owner of the mobile phone account or have the account owner’s permission to register the mobile phone number.
Message and data rates may apply to the use of the mobile device when using the Pay Anyone Transfer service via the Mobile App.
Pay Anyone Transfer Limits
Pay Anyone Transfers may be initiated at any time as long as the transfer request does not exceed the available balance in your Checking Account. Chime may refuse to process any transaction that exceeds any of the limits described below. If your Pay Anyone Transfer is denied because your Checking Account balance is not sufficient, you are responsible for making alternate payment arrangements with the intended recipient. If your Checking Account balance is not sufficient, you may have the option, at Chime’s discretion, to link a valid external debit card from an outside financial institution to your Checking Account to make a Pay Anyone Transfer up to your applicable Pay Anyone Transfer limits. For incoming transfers, if you have a negative Checking Account balance due to SpotMe, the incoming transfer will first be applied to cover that negative balance, so there may be instances where you need to transfer in more funds than the amount of the desired Pay Anyone Transfer, in order to cover both the negative balance and the Pay Anyone Transfer. Once the member initiates the transfer from the outside financial institution using their external debit card, the member may not elect to cancel the Pay Anyone transfer and keep the funds in their Checking Account. These are the limits associated with Pay Anyone Transfer(s):
|Transaction Type||Frequency and/or Dollar Limits*|
|Pay Anyone Transfer(s)||Send up to $500.00 per calendar month prior to activating your Card|
Send up to $2,000.00 per calendar month after activating your Card
Receive up to $6,000.00 per calendar month
|*All Pay Anyone Transfer limits are subject to temporary reductions to protect the security of member Checking Accounts and/or the Pay Anyone Transfer Service. Non-Chime members may also have additional limits for receiving imposed by their financial institution or as set forth in the Terms and Conditions of Using the Pay Anyone Transfer Service as a Non-Chime Member.|
Certain members may be eligible for higher transfer limits based on Checking Account history at our discretion.
We may change these limits with notice to you. To determine the current limits that apply to you, you can access them under the settings section of the Mobile App, contact Member Services by calling 844-244-6363, email firstname.lastname@example.org, or ask the Chime Chatbot within the Mobile App.
Liability for Pay Anyone Transfers
You are liable for any Pay Anyone Transfer sent from your Checking Account except in the case where the Pay Anyone Transfer was unauthorized, or the Pay Anyone Transfer was not properly executed by Chime, according to your instructions. This means you are liable for any transaction made using Pay Anyone, even if you are unsatisfied with an exchange of goods or services.
If you receive a Pay Anyone Transfer and we later determine in our sole discretion that the Pay Anyone Transfer was invalid for any reason, (for example, the Pay Anyone Transfer was not authorized by the sender) you hereby authorize us to debit your Checking Account for the amount of the invalid Pay Anyone Transfer. In the event that a negative balance is created in your Checking Account as a result of debiting your Checking Account for the invalid Pay Anyone Transfer, you hereby authorize us to move funds from any optional Chime Account you own in an amount equal to or less than the Pay Anyone Transfer.
If you believe your Checking Account has been compromised or that a Pay Anyone Transfer from your Checking Account was completed without your permission, please contact 1-844-244-6363 immediately. Please see Section II ELECTRONIC FUNDS TRANSFER DISCLOSURE AND SPECIAL TERMS AND CONDITIONS below, where your liability for unauthorized transfers from the Checking Account is explained.
In case of questions related to Pay Anyone, please call Member Services at 1-844-244-6363.
Electronic Funds Transfer Disclosure and Special Terms and Conditions
Your Checking Account number and bank routing number can be used for preauthorized direct debits (“ACH Debit(s)”) from merchants, Internet service or other utility service providers (“Merchants”) and for the purpose of initiating direct deposits (“ACH Credits”) to your Checking Account.
Note: Generally, the recipient’s name on any direct deposit(s) or ACH Credit(s) we receive must match the name on the Checking Account. Any direct deposits received in a name other than the name registered to the Checking Account will be returned to the originator. Chime may in its discretion permit certain government transfers so long as one recipient on the transfer matches the name on the Checking Account (e.g., tax returns for jointly filed returns).
Limits on ACH Debit Transactions
Cut-off Time – The cut-off time for scheduling ACH transfers is midnight Mountain Time. Any transfer scheduled after the cut-off time will be treated as if it were scheduled on the next business day.
ACH Debit Limits – The limitations to the amount of funds that can be transferred from your Checking Account per day are as follows:
|Transaction Type||Frequency and/or Dollar Limits|
|ACH Debits||No limits to the number of times per day|
Limited to the available Checking Account balance
|ACH Credits initiated from the Chime Mobile App|
or Website to another bank account you own*
|No limit to the number of times per day|
Up to $10,000.00 per day, maximum of up to $25,000.00 per calendar month**
|*Acceptance of ACH Credits may vary by financial institution. Please contact the bank you wish to send funds to prior to initiating an ACH Credit to determine if restrictions apply.|
|** This transaction type is not available for Checking Accounts with a Chime Visa Debit Card that has not been activated.|
Electronic Funds Transfer Services
The following terms are used to describe Electronic Funds Transfer (“EFT”) services. “Automated credits” or “direct deposits” are deposits made to your Checking Account by electronic means. “Automated debits” and “automated payments” indicate payments authorized by you to be made from your Checking Account by electronic means. “Online Transfers” are the movement of funds between your Checking Account and optional Chime Savings Account by use of the Mobile App or the Website. Online Transfers are described in detail in the agreement governing the Chime Savings Account.
When you accept direct deposits or authorize automatic payments/debits or transfers to or from your Checking Account, you agree to these terms and conditions.
Other relevant terms and conditions described elsewhere in the Agreement also apply as long as they are consistent with Regulation E or Section II.
Types of Electronic Funds Transfers Available
- You may arrange with another party, such as your employer or a government agency, to electronically deposit funds on a one-time or recurring basis directly to your Checking Account.
- You may authorize another party, such as a merchant, to make a one-time or recurring payment(s) using the Checking Account and bank routing numbers, directly from your Checking Account subject to the established limitations on withdrawals and transfers.
- You may authorize another party, such as a merchant, to make a one-time or recurring payment(s) using the Checking Account and bank routing numbers, directly from your Checking Account subject to the established limitations on withdrawals and transfers.
- You may use the Card to make purchases at merchants that accept the Card or to obtain cash at ATMs, Over The Counter cash and, subject to availability, cash back at POS terminals.
Limitations on Transfers, Amounts and Frequency of Transactions
- You may make cash withdrawals and POS purchases, not to exceed the established limits for your Checking Account. See the sections labeled “Cash Access” and “Transaction Limitations” for details about the limits.
- If your Checking Account is closed, blocked or suspended for any reason, you will not be able to transact using your Card (including at an ATM).
Right to Receive Documentation of Electronic Funds Transfers
- Statements. You will have access to an electronic monthly statement that can be viewed on the Website.
- Direct Deposits or Automated Credits. If you have arranged to have direct deposits made to your Checking Account at least once every sixty (60) days from the same person or company, call 1-844-244-6363 to find out if the deposit has been made.
Right to Stop Payment of Preauthorized Transfers and Procedures for Doing So
If you have authorized or directed us in advance to make a recurring payment out of your Checking Account, you can stop any of these payments. Here’s how:
To stop a recurring ACH transfer to a merchant you preauthorized to debit your Checking Account, please contact the merchant to request cancellation of the recurring payment.
If the merchant with whom you arranged recurring ACH transfers from your Checking Account is unable or unwilling to stop the transfer, call Chime Member Services at 1-844-244-6363 or email email@example.com to request a stop on such payment. Your request to stop payment must be received at least three (3) business days before the payment is scheduled to be made. Such a stop payment request will cancel a single, i.e. one (1) recurring payment. If you want to permanently stop all recurring payments to a specific merchant, you may be required to put your request in writing and email it to Chime Member Services at firstname.lastname@example.org within fourteen (14) days after you call. If we ask you to put your request in writing, you will need to tell us; the name of the payee, the dollar amount of the payment and the date of the payment. If written stop payment notification is required but is not received within fourteen (14) days, only the first payment you notified us of will be stopped, and future payments will not be stopped.
Notice of Varying Amounts
If these regular payments you make may vary in amount, the person you are going to pay will tell you the transfer date and the amount of the transfer ten (10) days before each payment is scheduled to take place. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits you set).
Liability for Failure to Stop Payment of Preauthorized Transfer
If you order us to stop a preauthorized payment three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your direct losses or damages, subject to any limits of liability.
Your Liability for Unauthorized Transfers
Contact us at once if you believe your Card, PIN or Checking Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Checking Account number has been lost or stolen, or that someone has transferred or may transfer money from your Checking Account without your permission, call 1-844-244-6363. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Checking Account is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. In the event that the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you may be liable for no more than $50.00 if someone used your Checking Account without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card, Checking Account number or PIN and we can prove that we could have stopped someone from using your Checking Account without your permission if you had promptly notified us, you may be liable for as much as $500.00.
Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the section labeled “Information About Your Right to Dispute Errors“. If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Checking Account number has been lost or stolen, we will close your Card and/or Chime Account to keep losses down and send you a replacement Card and/or Checking Account number.
If your Checking Account changes you must immediately notify your employer or any other payors or merchants. You must provide them with your new Chime Account number to ensure that your direct deposit and/or ACH Debit activity continues uninterrupted.
Our Liability for Failure To Complete Transactions
If we do not properly complete a transaction from your Checking Account or Card on time or in the correct amount according to our Agreement with you; we will be liable for your direct losses or damages, subject to limits of liability. However, there are some exceptions. We will not be liable, for instance:
- If through no fault of ours, you do not have enough funds available in your Checking Account to complete the transaction;
- If a merchant refuses to accept your Card or Checking Account number;
- If an ATM where you are making a cash withdrawal does not have enough cash;
- If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;
- If access to your Card or Checking Account has been blocked after you reported your Card or Checking Account number lost or stolen;
- If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use;
- If we have reason to believe the requested transaction is unauthorized;
- If circumstances beyond our control (such as fire, flood, power failure, strike, labor dispute, critical service provider failure, computer breakdown, telephone line disruption, government or regulatory action, or a natural disaster) prevent the completion of the transaction, despite reasonable precautions that we have taken; or
- Any other exception stated in our Agreement with you.
We may disclose information to third parties about your Checking Account, Card or the transactions you make:
- Where it is necessary for completing transactions;
- In order to verify the existence and condition of your Checking Account or Card for a third party, such as a merchant;
- In order to comply with government agency, court order, or other legal or administrative reporting requirements;
- If you consent by giving us your written permission;
- To our employees, auditors, affiliates, service providers, or attorneys as needed;
- As otherwise as necessary to fulfill our obligations under this agreement.
Information About Your Right to Dispute Errors
In case of errors or questions about your electronic transactions, call 1-844-244-6363, contact us through the Mobile App, or write to Chime Member Services, P.O. Box 417, San Francisco, CA 94104-0417 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transaction listed in the statement or receipt. We must hear from you no later than sixty (60) days after the earlier of the date you electronically accessed your Checking Account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling 1-844-244-6363, sending us an email at email@example.com, or contacting us through the Mobile App. You will need to tell us:
- Tell us your name, Checking Account number and/or 16-digit Card number.
- Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
- Tell us the dollar amount of the suspected error.
If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days.
We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Checking Account within ten (10) business days for the amount you think is in error, so that you will have use of the money during the time it takes to complete the investigation. If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not provisionally credit your Checking Account.
For errors involving new Checking Accounts; transactions with a merchant’s POS terminal, whether in-person, online, by telephone, mail, or otherwise; or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Checking Accounts, we may take up to twenty (20) business days to credit your Checking Account for the amount you think is in error. For errors involving unauthorized preauthorized debits (“ACH”), we will ask you to complete and sign an “Affidavit of Unauthorized ACH” and return it to us to assist in our investigation.
We will tell you the results within three (3) business days after completing the investigation. If we determine that there was no error, we will send you a written explanation. Copies of the documentation used in the investigation may be obtained by contacting us at the phone number or address shown at the beginning of this section.
English Language Controls
Any translation of this Agreement is provided for your convenience. The meaning of the terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English.
For member service assistance or additional information regarding your Checking Account, please contact:Chime
P.O. Box 417
San Francisco, CA 94104-0417
Member Service Specialist are available to answer your calls: Monday through Sunday, 24 hours a day.
From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our member service team or as required by applicable law.
No Warranty Regarding Goods or Services as Applicable
We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase using your Checking Account.
Any claim, dispute, or controversy (“Claim”) arising out of or relating in any way to: i) this Agreement; ii) the Checking Account; iii) your acquisition of the Checking Account; iv) your use of the Checking Account; v) the amount of available funds in the Checking Account; vi) advertisements, promotions or oral or written statements related to the Checking Account, as well as goods or services purchased with the Checking Account; vii) the benefits and services related to the Checking Account; or viii) transactions made using the Checking Account, no matter how described, pleaded or styled, shall be FINALLY and EXCLUSIVELY resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act (9 U.S.C. 1-16).
We will pay the initial filing fee to commence arbitration and any arbitration hearing that you attend shall take place in the federal judicial district of your residence.
ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO A JURY TRIAL OR TO ENGAGE IN DISCOVERY, EXCEPT AS PROVIDED FOR IN THE AAA CODE OF PROCEDURE.
For a copy of the procedures, to file a Claim or for other information about this organization, contact it at: AAA, 335 Madison Avenue, New York, NY 10017, or at www.adr.org.
All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made final exclusively by the arbitrator, which award shall be binding and final. Judgment on the arbitration award may be entered in any court having jurisdiction.
NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION OR PRIVATE ATTORNEY GENERAL ACTION OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON OR CLASS OF CLAIMANTS SHALL BE ALLOWABLE.
This arbitration provision shall survive: i) the termination of the Agreement; ii) the bankruptcy of any party; iii) any transfer, sale or assignment of your Checking Account, or any amounts owed on your Checking Account, to any other person or entity; or iv) closing of the Checking Account. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall remain in force.
IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD OR CHECKING ACCOUNT. CALL 1-844-244-6363 TO CLOSE THE CHECKING ACCOUNT AND REQUEST A REFUND, IF APPLICABLE.
Truth in Savings Disclosures
The Checking Account is not an interest-bearing account. No interest will be paid.
Minimum Balance Requirements – There is no initial deposit required to open a Checking Account. You may deposit any amount you wish when opening the Checking Account, however, the Checking Account will remain in a new account status until thirty (30) days after the Checking Account has received a posted deposit. See Section IV.13. labeled “Limits and Funds Availability” for additional details.
Transaction Limitations – Minimum and maximum withdrawal limitations apply. See the section labeled “Cash Access and Transaction Limitations” for full information regarding these limits.
Referral Bonus – You will receive a referral bonus of $75.00 if you enroll for your Checking Account using: 1) a valid referral link from an existing Chime member, and 2) receive a payroll direct deposit of $200 from your employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit within forty-five (45) days of opening your Checking Account. Bank ACH transfer, Pay Anyone transfers, verification or trial deposits from financial institutions, transfers from PayPal or Venmo, mobile check deposits, and cash loads or deposits do not qualify as a payroll direct deposit.
The bonus will be paid within two (2) business days after the qualifying funds are deposited into your Checking Account.
Mobile Check Deposit
1. Description of Service and Consent
Mobile check deposit (“Mobile Deposit” or “Mobile Check Deposit”) allows eligible members to make deposits to their Checking Account remotely by using the Mobile App to take a legible picture of the front and back of the negotiable check(s) and transmitting images of such instruments to us in compliance with our requirements (“Check Image(s)”). Checks deposited using Mobile Deposit must be endorsed in the same manner in which it is made payable to you. Chime may, in its discretion, accept certain checks jointly payable to you and one or more other people if at least one payee matches the name on the Checking Account and if endorsed by all payees. All checks deposited using Mobile Deposit must include a restrictive endorsement stating “For Mobile Deposit Only to Chime Checking Account # XXXXXXX” or as otherwise instructed by Chime. If the Check Image is accepted for deposit, Chime will notify you electronically through the communication method(s) you have elected as preference (“Electronic Notice”). The Bank will then attempt to collect the item by presenting the image or converting the image into a digital representation of the original check (“Substitute Check”). Unlike traditional check deposits, you retain the original paper check when you use Mobile Deposit. See the section captioned “Retention of Original Check” for retention requirements. The way Substitute Checks are cleared, presented for payment and deposited will be determined by the Bank, in our sole discretion. Chime, acting as an agent of the Bank, may change, modify, add, or remove functionality from Mobile Deposit at any time, with or without notice to you (unless notice is required by applicable law, rule, or regulation).
You may not use Mobile Deposit to make deposits to your Savings Account.
2. Mobile Deposit Eligibility; Termination of Checking Account Relationship
Chime, acting as an agent of the Bank, will determine whether you are eligible for the Mobile Deposit feature at their discretion or at the request of the Bank. Your access to Mobile Deposit is determined by Chime in its sole discretion based on the history of any Chime-branded accounts you have, direct deposit history, and direct deposit amounts and other risk-based factors. Chime may suspend or terminate your use of Mobile Deposit at any time and without prior notice to you. If you violate the terms of Mobile Deposit, such violation may be used as a basis to terminate your Checking Account.
3. Mobile Deposit Technical Requirements
In order to use Mobile Deposit, you must have an Apple iOS or Android smartphone capable of installing and running the Chime Mobile App (see relevant app store details for specific hardware and OS requirements) that is additionally equipped with a camera capable of taking photos with at least a resolution of 1600 x 1200 pixels (“2 Megapixels”).
Maintenance to Mobile Deposit may be performed from time-to-time resulting in interrupted service, delays or errors in Mobile Deposit and we shall have no liability for any such interruptions, delays, or errors. Attempts to provide prior notice of scheduled maintenance will be made, but we cannot guarantee that such notice will be provided.
There is no fee for depositing a check via Mobile Deposit. If a check you deposit using Mobile Deposit is returned by the bank upon which it was drawn (for any reason), there is also no fee. Please note that your mobile carrier may charge you for sending and receiving data to upload Check Images using the Mobile App. Please check your mobile service agreement for details on applicable fees.
6. Limits and Funds Availability
This section, and the availability of funds as described here, applies only to deposits made through Mobile Deposit through the Chime Mobile App. For availability of other deposits, see Section VI. GENERAL FUNDS AVAILABILITY.
Limits may be imposed on the dollar amount or number of deposits you make through Mobile Deposit. We may change such limits at any time at our discretion, and provide notice to you as required by applicable law, rule, or regulation. Chime may in its sole discretion allow certain Mobile Deposits to exceed these limits based on the institution on which the check is drawn and other risk-based factors. Any one-time or temporary increase in limits or allowed deposits does not guarantee future increases or exemptions.
Your Mobile Deposit funds are generally made available as described below. However, Chime may, in its sole discretion, delay availability of funds from these deposits based on a number of risk-based factors including, but not limited to, the institution on which a check is drawn, the history of any Chime-branded accounts you have, direct deposit history and direct deposit amounts, and/or spending activity.
Chime may in its sole discretion allow certain Mobile Deposits to exceed these limits based on the institution on which the check is drawn and other risk-based factors. Any one-time or temporary increase in limits or allowed deposits does not guarantee future increases or exemptions.
|Transaction Type||Dollar Limits||Funds Availability & Hold Times*|
|Mobile Check Deposit||Maximum of $2,000.00 per check (non-U.S. Treasury)|
Maximum of $5,000 per U.S. Treasury check
Maximum of $10,000.00 per month
|For items with “Next-Day Availability” (see below) deposited in a single day, the first $5,525.00 may be available the next business day after the deposits are processed.|
When you make a Mobile Check Deposit, we will tell you within the app when the funds will be available and in what amounts. Unless your Mobile Deposit is rejected, or subject to a “Longer Delay” (see below) funds will be available no later than five (5) business days after the deposit is processed.
|We may change these limits with notice to you. To determine the current limits that apply to you, you can access them under the settings section of the Mobile App, contact Member Services by calling 844- 244-6363, email firstname.lastname@example.org, or ask the Chime Chatbot within the Mobile App.|
Business Days and Cutoff Time
Our Business Days are Monday through Friday excluding federal holidays. Check Images received and accepted for processing prior to 5:00 PM ET on a business day that we are open are considered received as of that day. Otherwise, the Check Images will be considered received on the next business day.
The first $5,525.00 of the following checks may be available the next business day after the deposit is processed:
- U.S. Treasury Checks
The amount above $5,525 may be available at the same time. However, it may be subject to longer delays at Chime’s sole discretion. If we delay the availability of funds in excess of $5,525 for these deposits for any reason, we will notify you at the time of your deposit and we will tell you when the funds will be available. Unless your Mobile Deposit is rejected or subject to a “Longer Delay” (see below), the funds will be available no later than five (5) business days after the deposit is processed.
All Other Checks
When you make a Mobile Check Deposit, we will tell you when the funds will be available. Unless your Mobile Deposit is rejected or subject to a “Longer Delay” (see below), funds will be available no later than five (5) business days after the deposit is processed. Chime, at its sole discretion, may make some or all of the funds available the next business day after the deposit is processed for:
Other verified checks drawn on a bank in the United States, including:
- Personal and Business Checks
- State and Local Government Checks
- Federal Reserve Bank Checks
- Federal Home Loan Bank Checks
- Certified Checks
When you make a Mobile Check Deposit, we will notify you of any delay in the availability of funds for any reason, and we will tell you when the funds will be available.
Longer Delays May Apply
As indicated above, under certain circumstances, a longer hold period may apply before funds deposited by check are available. These circumstances are inclusive of but not exhaustive:
- If the actual amount of the check does not match the amount that you enter when making your Mobile Check Deposit.
- Chime or the Bank believes a deposited check will not be paid.
- You deposit checks totaling more than $5,525.00 in one (1) day.
- You redeposit a check that has been previously returned unpaid.
- Your Checking Account has had a negative balance anytime in the last six (6) months.
- Chime or the Bank experiences an emergency, such as fire, flood, failure of communication, computer or other equipment, a suspension of payments by another bank, government or regulatory action, or other exigent condition beyond Chime’s or the Bank’s control.
Chime will send an Electronic Notice informing you if your ability to withdraw funds is delayed for any reason, and we will tell you when the funds will be available.
7. Prohibited Checks
We may decline to accept any Check Image you submit through Mobile Deposit at our sole discretion. You agree that you will not scan and attempt to deposit any of the following:
- Checks payable to any person or entity other than you (i.e., third party checks);
- Checks containing alterations, illegible items, fraudulent checks, or checks that you should have known or have reason to believe were fraudulent;
- Checks that have been previously deposited at another institution via physical item, image or electronic funds transfer;
- Checks from financial institutions located outside of the United States; checks that are not payable in U.S. dollars;
- Checks that are more than six (6) months old (i.e. stale-dated);
- Checks that are post-dated, or payable on a date in the future;
- Substitute Checks (a digital reproduction of the front and back of an original check);
- Remotely created checks (a check created by a merchant with a buyer’s checking account number on it, but without the buyer’s original signature);
- Travelers checks and savings bonds;
- Non-negotiable instruments, such as promissory notes;
- Starter checks or counter checks (checks from a teller window).
- Cashier’s Checks; or
- Money Orders, regardless of Issuer
- Third-Party Checks
Third-party checks deposited through Mobile Deposit may be rejected. All Check Images submitted for deposit must be payable to you and not to a third-party. If a check made payable to a third party is deposited to your account before we detect it, we may, without notice to you, debit your account and return the funds in the form of a Bank check payable to the payee of the original check and mailed to your address on file with us. Neither Chime nor the Bank will be liable for any Bank checks that may become lost in the mail.
Both Chime and the Bank reserve the right to reject a Mobile Deposit if it is made payable to the Bank and contains no means to identify the Checking Account to which it should be credited.
9. Receipt of Check
Neither Chime nor the Bank is responsible for Check Images not received or dropped during transmission. A Check Image will be deemed received only when Chime provides you with Electronic Notice confirming receipt of the Check Image. After receipt of your Check Image is confirmed, the Check Image will be subject to review before it is submitted for deposit and may still be rejected for any reason at the discretion of Chime and the Bank. An Electronic Notice confirmation is not a representation, warranty or other indication that the Check Image will be presented for deposit or will be honored by any collecting or paying bank. If Chime or the Bank rejects a Check Image received through the Mobile Deposit feature, you may contact the individual or company who issued the check, to request a new or reissued check be provided to you. If you do submit the original check for processing, Chime and the Bank reserves the right to refuse to process it and may instead require you to have the check reissued.
10. Retention of Original Check
Once the funds from the Check Image have been credited to your Checking Account, you must mark the original check as “VOID” and retain it for sixty (60) days. You may not present the original check or any Substitute Check created from the original check for payment at any other financial institution. During this sixty (60) day period, you must store the original paper check securely using precautions at least as secure as those you would use to protect a blank check. You must make the original paper check available to Chime or the Bank for review at any time during this sixty (60) day period as necessary to facilitate the clearing and deposit process, to address third-party claims or for our own audit purposes. Should you fail to produce the original paper check, you authorize Chime or the Bank to deduct the amount of the check in question from your Checking Account, regardless of whether such action may cause your Checking Account to not have sufficient funds. Immediately after this sixty (60) day period, you must destroy the original paper check.
You will endorse any check or other item submitted for deposit exactly as it was made payable to you. If you are submitting a check made payable to you jointly with one or more person(s) (i.e., made out to “John Doe and Jane Doe”), it must be endorsed by all payees. You warrant that all endorsements on items deposited to your Checking Account are genuine. Any endorsement must be placed in the one-inch area starting at the left side on the back of an item and the remaining area on the back of the item may not contain any preprinted, stamped or handwritten information. If you fail to do this, you may be required to reimburse Chime for losses incurred. All checks deposited using Mobile Deposit must include a restrictive endorsement stating “For Mobile Deposit Only to Chime Checking Account # XXXXXXX” or as otherwise instructed by Chime. Check Images received that are not endorsed in accordance with this provision may be rejected.
12. Chime Accountholder’s Warranties
You will comply with all applicable rules, laws and regulations. Each time you submit check images for deposit through Mobile Deposit, you also make all the warranties set forth in and subject to the terms of the Delaware Uniform Commercial Code (“UCC “) for the image as if it were an item subject to the terms of the UCC. You make the following warranties and representations with respect to each image of an original check you transmit to us using Mobile Deposit:
- Each image of a check transmitted to us is a true and accurate rendition of the front and back of the original check (at the time it was transmitted), without any alteration, and the drawer of the check has no defense against payment of the check.
- The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate.
- You are only transmitting eligible checks and items you are entitled to enforce.
- All checks and items include all signatures required for their negotiation.
- You are using Mobile Deposit only for your own deposits and have not allowed the use of the service for the benefit of any third party.
- If you are depositing a check payable to you jointly, that each other payee has voluntarily and personally endorsed the original check and authorized you to deposit the funds into your Chime Account.
- Other than the digital image of an original check that you remotely deposit through Mobile Deposit, there are no other duplicate images of the original check.
- You have possession of each original check deposited using Mobile Deposit.
- You have ensured that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check.
- You are authorized to enforce each item transmitted or are authorized to obtain payment of each item on behalf of a person entitled to enforce such transmitted item.
- The information you provided for your Checking Account remains true and accurate; and, in the event any such information changes, you will immediately notify us of the change.
- You have communicated material information to us.
- Files and images transmitted to us contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems.
Further, you agree that with respect to each image of an original check you transmit using Mobile Deposit:
- You will not deposit, re-present, negotiate, seek to negotiate or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the item (either the original item, or a paper or electronic representation of the original item) such that the person will be asked to make payment based on an item it has already paid.
- No party will submit the original check for payment.
All fee amounts will be withdrawn from your Checking Account and will be assessed as long as there is a remaining balance in your Checking Account, except where prohibited by law. Any time your remaining balance is less than the fee amount being assessed, the balance of your Checking Account will be applied to the fee amount resulting in a zero balance on your Checking Account.
Fee Description Fee Amount and Frequency Cash Withdrawal Fee
(applies to both ATM and Over The Counter “OTC” withdrawals) *
$2.50 (per transaction) out-of-network ATM withdrawal fee. No fee for transactions at any Allpoint® or Visa® Plus Alliance ATMs, or at MoneyPass® ATMs located in 7 Eleven, Inc. locations. MoneyPass® ATMs not in a 7 Eleven, Inc. location will be subject to fee(s).
*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.
General Funds Availability
Information contained in this section is provided to assist you in understanding our Funds Availability Policy. All deposits into accounts opened through the Bank are processed at a Bank processing facility. This policy does not apply to checks deposited through the Mobile Deposit feature. For Mobile Deposit Funds availability, see section IV, “MOBILE CHECK DEPOSIT” 6. “Limits and Funds Availability”.
We make funds available according to the type of deposit and when the funds are applied or credited to your Checking Account. Some types of deposits may not be available for immediate use. When we delay the availability of funds or place a hold on a deposit made to your Checking Account, you may not withdraw those funds, and we will not use them to pay any debits, such as ACH transfers or payments, Checkbook transactions or transactions using your Card during the hold period. We have the right to refuse any deposit.
If final payment is not received on any item you have deposited into your Checking Account, or if any direct deposit, ACH transfer credit is returned to us for any reason, you agree to pay us the amount of the returned item.
The length of the delay in the availability of funds varies depending on the type of deposit.
The length of the delay in the availability of funds is counted in business days from the day your deposit is applied to your Checking Account. For purposes of these disclosures, our business days are Monday through Friday. Federal holidays are not included. Deposits received by midnight Mountain Time will be considered current-day deposits. Any deposits received after that time will be processed the following business day.
Same Day Availability
Funds received from preauthorized electronic payments such as payroll direct deposits, or other preauthorized electronic payments will be available on the day the deposit is applied to your Checking Account.
ACH Credits received from an external bank account will be applied to the Checking Account when we have verified the external account and received payment on collected funds. Once the funds are applied to the Checking Account, they will have same day availability.
Electronic transfers depositing into the Checking Account initiated through the Mobile App or Website may take up to five (5) business days from the date of the initial request but will post on the payment date of the deposit once the money has reached the Bank and/or Chime.
Use of Online or Mobile Services Terms
LAST UPDATED: October 2019
Chime Online & Mobile Application Terms and Conditions.
Please read the following terms and conditions very carefully. If you do not agree with the following terms and conditions, do not download or install this software. By downloading, installing or using this software or any portion thereof, you agree to the following terms and conditions.
Use of the Chime Mobile Application
This agreement (“Terms”) is entered into between you and Chime Financial, Inc. (“Chime”), the program partner responsible for managing the Chime Checking Account. Subject to the provisions of these Terms, you are hereby granted the non-transferable right to use this software (“Chime Mobile App”) solely for personal, non-commercial purposes.
You may not use the Chime Mobile App in any manner that may impair, overburden, damage, disable or otherwise compromise (i) Chime’s services; (ii) any other party’s use and enjoyment of Chime’s services; or (iii) the services and products of any third parties including, without limitation, any device through which you access the Chime Mobile App (the “Authorized Device”). You agree to comply with all local laws and regulations governing the downloading, installation and/or use of the Chime Mobile App, including, without limitation, any usage rules set forth in the online application store terms of service.
From time to time, Chime may automatically check the version of Chime Mobile App installed on the Authorized Device and, if applicable, provide updates for the Chime Mobile App (“Updates”). Updates may contain, without limitation, bug fixes, patches, enhanced functionality, plug-ins and new versions of the Chime Mobile App. By installing the Chime Mobile App, you authorize the automatic download and installation of Updates and agree to download and install Updates manually if necessary. Your use of the Chime Mobile App and Updates will be governed by these Terms (as amended by any terms and conditions that may be provided with Updates).
Chime reserves the right to temporarily disable or permanently discontinue any and all functionality of the Chime Mobile App at any time without notice and with no liability to you.
For the avoidance of doubt, agreement to these Terms is solely between Chime and you. If you need to contact Chime about the Chime Mobile App, you may do so by calling (844) 244-6363 or by emailing email@example.com.
Chime may track and archive certain information regarding your use of the Chime Mobile App (“Use Information”). Use Information may be stored and processed in the United States or any other country in which Chime or its agents maintain facilities. By using the Chime Mobile App, you consent to the collection of your Use Information and to any transfer of your Use Information outside of your country.
You hereby acknowledge that Chime owns all rights, titles and interest in and to the Chime Mobile App and to any and all proprietary and confidential information contained therein (“Chime Information”). The Chime Mobile App and Chime Information are protected by applicable intellectual property and other laws, including patent law, copyright law, trade secret law, trademark law, unfair competition law, and any and all other proprietary rights, and any and all applications, renewals, extensions and restorations thereof, now or hereafter in force and effect worldwide. You agree that you will not (and will not allow any third party to) (i) modify, adapt, translate, prepare derivative works from, decompile, reverse engineer or disassemble the Chime Mobile App or otherwise attempt to derive source code from the Chime Mobile App; (ii) copy, distribute, transfer, sell or license the Chime Mobile App; (iii) transfer the Chime Mobile App to, or use the Chime Mobile App on, a device other than the Authorized Device; (iv) take any action to circumvent, compromise or defeat any security measures implemented in the Chime Mobile App; (v) use the Chime Mobile App to access, copy, transfer, retransmit or transcode Content (as defined below) or any other content in violation of any law or third party rights; (vi) remove, obscure, or alter Chime’s (or any third party’s) copyright notices, trademarks, or other proprietary rights notices affixed to or contained within or accessed through the Chime Mobile App.
Content made available through the Chime Mobile App (“Content”) is protected by applicable intellectual property rights and is the property of Chime, its third party licensors and partners (as applicable), and other entities that provide such content to Chime. You may not (or enable others to) copy, distribute, display, modify, or otherwise use the Content except as it is provided to you through the Chime Mobile App hereunder. Chime and its licensors make no representations or warranties regarding the accuracy or completeness of the Content.
Chime does not represent that the Chime Mobile App is appropriate or available for use in any geographical location. Any entity choosing to use the Chime Mobile App is solely responsible for compliance with all applicable laws. The Chime Mobile App is subject to U.S. export controls and may not be downloaded, exported or re-exported: (i) into (or to a national or resident of) Burma, Cuba, Iran, North Korea, Sudan, Syria, Libya, or any other country with respect to which the United States maintains trade sanctions prohibiting the shipment of goods; or (ii) to anyone on or acting on behalf of an entity on the U.S. Treasury Department’s list of Specially Designated Nationals and Blocked Persons or the U.S. Commerce Department’s Denied Persons List or Entities List or included in General Order 3 (15 C.F.R. Part 736, Supplement 1), which prohibits exports to Mayrow General Trading, affiliated entities and persons, and specified persons involved in the manufacture or sale of Improvised Explosive Devices (together referred to as “U.S. Prohibited Party Lists”). By downloading and/or using the Chime Mobile App, you represent and warrant that you are not (a) located in or a national or resident of any country noted above that is subject to U.S. trade sanctions, or (b) on any U.S. Prohibited Party List or acting on behalf of any person or entity on any such list.
You may terminate acceptance of these Terms at any time by permanently deleting the Chime Mobile App in its entirety from the Authorized Device, whereupon (and without notice from Chime) any rights granted to you herein will automatically terminate. If you fail to comply with any provision of these Terms, any rights granted to you herein will automatically terminate. In the event of such termination, you must immediately delete the Chime Mobile App from the Authorized Device.
You agree to hold harmless and indemnify Chime and its subsidiaries, affiliates, officers, agents, and employees (and their subsidiaries, affiliates, officers, agents, and employees) from and against any claim, suit or action arising from or in any way related to your use of the Chime Mobile App or your violation of these Terms, including any liability or expense arising from all claims, losses, damages, suits, judgments, litigation costs and attorneys’ fees, of every kind and nature. In such a case, Chime will provide you with written notice of such claim, suit or action.
Entire Agreement; Revisions to Terms.
This Agreement is effective 12/2022