Chime is an award-winning mobile banking app and debit card
Fee-free overdraft up to $200 for eligible members*
Get paid up to 2 days early with direct depositˆ
No monthly fees
Grow your savings automatically
Signing up takes 2 minutes!
300,000+ 5-Star app reviews
"Chime has your back!"
The “SpotMe*" option helps me to still get my groceries when I'm short with no overdraft fees... Everything is done online and efficiently.
"Trustworthy and secure"
You can call customer service and get a live representative. And your security and privacy is their number one concern. I recommend this app to everybody Chime is the best…
"Super intuitive to use!"
Love it! Everything is so easy and INSTANT! Turn on and off card? Instant! Texts after spending? Instant!…
At Chime, we will allow you to overdraw up to $200* on debit card purchases and cash withdrawals without charging a fee. With SpotMe, our members have saved over $10 billion in overdraft fees!#
Eligibility requirements apply.*
Get paid early^
Set up direct deposit and get your paycheck up to 2 days earlier than some of your coworkers!^
Your account shouldn’t cost you money
Chime has no overdraft fees, no monthly maintenance fees, no minimum balance fees, no foreign transaction fees, and no deposit required for checking and savings accounts.
Out of network fees apply.˜
Save when you spend
Save When You Spend automatically rounds up transactions to the nearest dollar and transfers the Round Up from your Checking Account into your optional Savings Account.
Chime Checking Account and Visa® Debit Card
Your Chime Checking Account comes with a debit card to use everywhere Visa debit cards are accepted.
And unlike some prepaid cards and traditional bank accounts, there are no monthly account fees and minimum balance requirements.
Chime Credit Builder Visa® Credit Card
Help increase your credit score by an average of 30 points with on-time payments with our new secured credit card.2 Eligibility requirements apply.3
Safe, secure & trusted by millions
Get instant transaction alerts anytime you use your Chime debit card, when you turn on transaction notifications. Instantly block your card if it goes missing or you suspect unauthorized use.
Deposits are FDIC insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.
Visa®’s Zero-Liability Policy protects all unauthorized purchases.◆
We use encryption and secure processes to help ensure your money is safe. Deposits are insured through our partners, The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
Make the switch today.
Banking services for the Chime Checking Account provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. 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, N.A. 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.
*SpotMe/Fee-Free Overdraft Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking 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 Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.
^Early Payday/Get Paid Up to Two Days Early 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.
˜Applicable fees Out-of-network ATM withdrawal fees apply except at Moneypass ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM.
# June 2020 Overdraft Fees Report https://www.responsiblelending.org/sites/default/files/nodes/files/research-publication/crl-overdraft-covid19-jun2019.pdf
◆ You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer
2Credit Score Increase based on a representative study conducted by TransUnion®, members who started using Chime Credit Builder in September 2019 observed a median credit score (VantageScore 3.0) increase of 30 points by January 2020. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
3To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $200 or more to your Checking 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 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, and cash loads or deposits are not qualifying direct deposits.
4Security Deposit Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
P.O. Box 417
San Francisco, CA 94104-0417
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