Chime® is a financial technology company, not a bank. Banking services, credit, and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

Chime in
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Press

Chime on World's Best Fintech Companies 2023 list

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The Fintech 50 2023: Chime

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Chime ranked 15 on CNBC Disruptor 50 list 2023

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The Fintech 50 2022: Chime

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Watch CNBC’s Full Interview with Chime CEO Chris Britt on Consumer Spending

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CNBC Disruptor 50: Chime

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Chime CEO Says Banks Will End Overdraft Fees

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Chime’s Founder Sees End of Overdraft Fees as U.S. Banks Ease Up

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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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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

Chime Brings Fun to Financial Education in New Partnership with Zogo, Available for Free to All Chime Members

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Fintech and consumer protection leader, Shara Chang joins Chime as Chief Compliance Officer

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Year in Review: Chime recognized for putting members first with a host of customer service awards

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Building a Culture of Trust and Safety at Chime

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Chime Unveils Dollars & Sense: Turning Awkward Money Talks into Family Game Nights

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Introducing the Chime Scholars Foundation

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Chime Appoints Madhu Muthukumar to Chief Product Officer

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Chime In for Changemakers™

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Nick Fairbairn, former Experian, Gabi, Dollar Shave Club Marketing Leader joins Chime as VP of Product Marketing

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Chime welcomes Credit Karma, Capital One leader, Rucha Fulay, as VP of Analytics

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Chime Promotes Tenured Leaders

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Visa, BlackRock, Fintech Veteran Victoria Edison Joins Chime as VP, Chief Compliance Officer

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Chime Appoints Vineet Mehra to Chief Marketing Officer

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Chime Welcomes Cyber Security Leader and Mastercard alum Darragh Whelan as Vice President of Risk and Support Engineering

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Chime responds to Ukraine crisis

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Chime Welcomes Tech Ops Leader Aimie Aronica

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HR Veteran Crystal Ball joins Chime as VP of People Operations

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Chime Welcomes New Leaders to Product Organization

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21 Savage Gets Real About Financial Literacy

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Former Nasdaq Veteran Angie Ruan, Uber and Apple Data Science Lead David Purdy, Join Chime

Chime Adds Senior Leadership to Technology Organization

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About

Mission

Don’t call us a bank

Chime® is a financial technology company that believes basic banking services should be helpful, easy, and free. We offer better banking products and services by addressing the fundamental misalignment in the industry between what’s good for banks and what’s good for consumers. We want to profit with our members, not from them. That’s why Chime doesn’t rely on overdraft fees, monthly service fees, or minimum balance requirements. Feels like progress™.

To unite everyday people to unlock their financial progress. By eliminating unnecessary fees and simplifying the credit building process, we’ve empowered millions of everyday people to take control of their finances.

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, N.A. 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

Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Please see the back of your Card for its issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

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

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

Third-party trademarks referenced for informational purposes only; no endorsements implied.

1 SpotMe® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Credit Builder Account. SpotMe on Debit is an optional, no fee overdraft service attached to the Chime Checking Account available to qualifying members after Visa debit card activation. Both SpotMe on Credit and SpotMe on Debit are sometimes collectively referred to as "SpotMe" or, if you have signed up to use SpotMe with only one account, "SpotMe" means the elected service. To qualify for SpotMe, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month.

Qualifying members will be allowed to overdraw their Chime Checking Account and/or Secured Deposit Account (associated with your Chime Credit Builder credit card) up to $20, but may be later eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe Debit Terms and Conditions and SpotMe on Credit 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 transfer the round up from your Chime Checking Account to your Savings Account. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your Savings Account.

4 To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer-to-peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

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