Chime Second Chance Banking

Banking the way it should be.

Chime is an award-winning mobile banking app and debit card. Applying takes less than 2 minutes! No credit check. No ChexSystems.

Chime is an award-winning mobile bank account and debit card.

  • No credit check. No ChexSystems.
  • No hidden bank fees.
  • Get paid up to 2 days early with direct deposit.¹
  • Grow your savings, automatically.

Get Started Today

Applying for an account is free and takes less than
2 minutes with no impact to your credit score.

Chime is a Second Chance Banking Option with No Hidden Fees

Many standard checking accounts and savings accounts can be expensive just to maintain each month. Traditional accounts sometimes charge high and unnecessary banking fees that can cause additional monetary challenges to people with credit issues.  Minimum balance requirements add yet another hurdle. Add in monthly maintenance fees, rising ATM fees, and expensive overdraft fees and banking can be a complete non-starter.

Chime offers a second chance bank account with no unnecessary fees. Keep more of your hard-earned money and sign up for a Chime account:

  • 32,000+ surcharge fee-free MoneyPass® ATMs
  • No overdraft fees
  • No monthly maintenance charges
  • No foreign transaction fees
  • No minimum balance fees – ever

Get Started Today

Applying for an account is free and takes less than
2 minutes with no impact to your credit score.

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.

Please note: By clicking on some of the links above, you will leave the Chime website and be directed to an external website. The privacy policies of the external website may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing and personal information.

* Early access to direct deposit funds depends on timing of payer's submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer's scheduled payment date.

iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

Apple Pay is a trademark of Apple Inc.

Google Pay and Android are trademarks of Google LLC.

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