Log inFee and Cost Schedule
| Chime Checking Account | |
| Account opening and service | Free |
| In-network cash deposit option – Deposit cash for free at approximately 8,000 Walgreens and Duane Reade retail locations. | Free |
| Out-of-network cash deposit option – Deposit cash at over 75,000 retailers other than Walgreens and Duane Reade, such as Walmart, CVS, and 7-11. | Neither Chime nor its bank partners directly charge Chime members any fees to deposit cash at retail locations. However, participating retailers may charge a fee for depositing cash at their respective locations. See your Chime mobile app for details. |
| In-network cash withdrawal option – Withdraw cash for free at over 50,000 in-network ATMs as follows – MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. | Free |
| Out-of-network cash withdrawal option (ATM and over-the-counter (“OTC”)) – Withdraw cash at ATMs outside of the following network – MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. | $2.50 per transaction. Third-party fees may also apply. |
| SpotMe on Debit | SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account. There are no overdraft fees to use SpotMe on Debit, however there may be out-of-network or third party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. Tipping is not a fee and is completely optional. It does not impact your SpotMe limit. |
| Pay Anyone transfers and standard non-instant outbound transfers | Free |
| Inbound instant transfer | Free |
| Outbound instant transfer | Fee is based upon transfer amount – 1.75% of total amount of funds to be transferred per transaction. |
| Card replacement | Free |
| Chime Savings Account | |
| No fees – free to open, hold, and utilize the account | |
| Chime Secured Credit Card and Secured Deposit Account | |
| Credit Builder – account opening and annual fee | Free |
| Credit Builder – in-network cash deposit option – Deposit cash for free at approximately 8,000 Walgreens and Duane Reade retail locations. | Free |
| Credit Builder – out-of-network cash deposit – Deposit cash at over 75,000 retailers other than Walgreens and Duane Reade, such as Walmart, CVS, and 7-11. | Neither Chime nor its bank partners directly charge Chime members any fees to deposit cash at retail locations. However, participating retailers may charge a fee for depositing cash at their respective locations. See your Chime mobile app for details. |
| Credit Builder – in-network ATM transaction – Withdraw cash for free at over 50,000 in-network ATMs as follows – MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. | Free |
| Credit Builder – Out-of-network cash advance option (ATM and OTC) – Withdraw cash at ATMs outside of the following network – MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. | $2.50 per transaction fee for out-of-network ATM transactions or OTC cash withdrawal. Third-party fees may also apply. |
| SpotMe on Credit | SpotMe on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. There are no overdraft fees to use SpotMe on Credit, however there may be out-of-network or third party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. Tipping is not a fee and is completely optional. It does not impact your SpotMe limit. |
| Card replacement | Free |
| Instant Loans | |
| Finance charge based upon the personal loan amount | $5 per $100 borrowed APR of up to 29.76% |
| MyPay | |
| MyPay advance amount is based upon various factors. There are no fees to take a MyPay advance when you select the standard transfer option, which allows you to obtain the advance within 24 hours. There is a fee if you select the instant transfer option. | |
| Instant Transfer | $2.00 per advance |
Please refer to the respective account agreement for more information on the account and if there are any associated fees and costs for optional products or services, as applicable.
Deposit Account Agreement
For Bancorp members: https://www.chime.com/policies/bancorp/deposit-account-agreement/
For Stride members: https://www.chime.com/policies/stride/deposit-account-agreement/
Savings Account Agreement
For Bancorp members: https://www.chime.com/policies/bancorp/savings-account-agreement/
For Stride members: https://www.chime.com/policies/stride/savings-account-agreement/
MyPay Line of Credit Agreement
For Bancorp members: https://www.chime.com/policies/bancorp/mypay/
For Stride members: https://www.chime.com/policies/stride/mypay/
SpotMe on Debit
For Bancorp members: https://www.chime.com/policies/bancorp/spotme_terms/
For Stride members: https://www.chime.com/policies/stride/spotme_terms/
SpotMe on Credit
For Bancorp members: https://www.chime.com/policies/bancorp/chime-spotme-for-credit-agreement/
For Stride members: https://www.chime.com/policies/stride/chime-spotme-for-credit-agreement/