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

Chime in
the news

Press

Banks Slowly Offer Alternatives to Overdraft Fees, a Bane of Struggling Spenders

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CNBC Disruptor 50: 
Chime

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This startup is taking on big banks. And it's working.

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US challenger bank Chime launches Credit Builder, a credit card that works more like debit

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The ‘Neo-Banks’ Are Finally Having Their Moment

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The Most Innovative Fintech Companies In 2021

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Chime CEO Chris Britt on teaming up with NBA’s Dallas Mavericks

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Fintech Startups Rush to Get Stimulus Payments Out

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Chime breaks Top 10 on this year’s CNBC Disruptor 50 list

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Chime Provided Access to $1.1B in Stimulus Payments, Says CEO

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Chime News

Now you can track your FICO® Score in the Chime app, for free!

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Charlie Finance is joining Chime

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Delivering more good, for you

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Now, use Chime to pay anyone

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SpotMe Boosts: the new way to show your love

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Chime’s Whole Lotta Good: $25 Spotme Increase

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Chime’s Ongoing Commitment to Diversity and Inclusion

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How to join the Credit Builder waitlist

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Black Lives Matter

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#ChimeCARES Update: Initial stimulus payments have been received. More on the way.

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Meet SpotMe – Overdraw Fee-Free

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Limited-Edition Metal Chime Visa® Debit Card

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Pay Friends. Pay Anyone. Chime’s Pay Friends Just Got Friendlier

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Chime On to all of the #ChimeInTheWIld Participants!

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One Million Bank Accounts Strong!

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Chime Milestones and Trends 2018

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Chime Launches Support for Android Pay and Samsung Pay

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You Will Be Shocked When You See What Americans Pay in Bank Fees

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#BeBoldForChange on International Women’s Day

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Chime Makes Tipping and Splitting the Bill Easy as Pie

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About

Mission

Don’t call us a bank

Chime is a financial technology company founded on the premise that basic banking services should be helpful, easy, and free. We want to profit with our members, not from them. That’s why our model doesn’t rely on overdraft, monthly service, minimum balance, or other consumer fees.

We partner with regional banks to design member-first financial products. This creates a more competitive market with better, lower-cost options for everyday Americans who aren’t being served well by traditional banks. We help drive innovation, inclusion, and access across the industry.

We created Chime because we believe everyone deserves financial peace of mind. We’re building a new kind of online bank account that helps members get ahead by making managing money easy.

Chime is a consumer fintech company and not a bank so we should not be referred to as “Chime Bank”. Chime partners with The Bancorp Bank and Stride Bank, N.A., Members FDIC, that power the bank accounts used by Chime Members.

“Thanks to Chime’s SpotMe¹ feature, I played the superhero and saved the day: I was able to get baby formula and food for my family, as well as transportation to work.”

-Daniel S.

“Chime has been a great help in my day-to-day routine. App notifications help me keep track of where my money’s going; the Pay Friends feature allows me to send funds to my daughter, and SpotMe¹ helps me when I'm in a pinch.”

-Tanya A.

"As a mother of five children, there have been times where I couldn't afford groceries. SpotMe¹ covered $45 dollars that I needed for all my groceries. I cried on the way home."

-Latoya T.

"Adulting is always hard. By a certain age, you already want certain things to be lined up—credit especially. Chime’s Credit Builder card⁴ has provided the best way to get a jump start on the financial status I want."

-Ari W.

Chime Brand Kit

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

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

2 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

3 Round Ups automatically round up debit card purchases to the nearest dollar and transfers the round up from your Chime Spending Account to into your savings account. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Spending Account into your savings account.

4 To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $200 or more to your Spending Account within the last 365 days of your application. The qualifying direct deposit must have been made by your employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Bank ACH transfers, Pay Friends transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, and cash loads or deposits are not qualifying direct deposits.

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