Online banking with no overdraft fees.

The 3.75% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 0.75% APY will apply. The APYs are effective as of 01/27/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details.

Chime Checking Account is required to be eligible for a Savings Account.

There’s no fee for the Chime Savings Account. Cash withdrawal and third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

Round Ups automatically round up debit card and credit card purchases to the nearest dollar and transfers the round up from your Chime Checking Account into your savings account. You can also automatically transfer part of your direct deposits of $1 or more from your Checking Account into your selected Chime account(s).

National average APY rate is variable, current rates reported by the FDIC here.

Number of lounges and experiences is subject to change.

An eSIM – also known as an embedded SIM – is built straight into many modern smartphone devices. The eSIM makes it possible to add a secondary service, such as GigSky, to that phone. For a list of phones compatible with the GigSky app, visit: https://www.gigsky.com/device-compatibility.

The secured Chime Visa^® Credit Card cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at Visa Concierge Terms of Service | Visa.

Some Restrictions and Limitations may apply. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases the hotel may or may not provide a substantial benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property.

On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion^®, Experian^®, and Equifax^®. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

To apply for Chime Card or Credit Builder, you must also open a Chime Checking Account.

Out-of-network ATM withdrawal and OTC advance fees may apply. See here for details.

Based on a representative study conducted by Experian^® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Chime Card, between April and August 2024, observed a FICO^® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.

Money added to Credit Builder or Chime Card will be held in a secured deposit account as collateral for your Credit Builder card or Chime Card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.

Results will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®. Learn more.

Chime Visa^® Credit Card holders - Deposits and debit refunds go to your Checking Account, then transfer to your Chime Card Secured Deposit Account - other than Chime Card cash deposits at retailers, which go to your Chime Card Account, then transfer to your Secured Deposit Account. Funds are moved from your Secured Deposit Account to your Checking Account to facilitate outbound transfers and debit purchases. Your Available balance is the money you can spend with your Chime Card or Checking Account. See account agreements and statements for details.

Some restrictions apply. To be eligible for MyPay^®, you must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A Qualifying Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Limits may be impacted by your use of other Chime products. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.

Option to get funds instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance, or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.

With authorization, outstanding MyPay balances will be repaid from direct deposits to your Chime Checking Account from Eligible Sources. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.

SpotMe^® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $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 their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined 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 SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe terms and conditions.

SpotMe^® Boost is an optional, no fee service feature of SpotMe. Boosts are available to eligible Chime members enrolled in SpotMe and are subject to limits. See SpotMe Terms and Conditions.

Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products. Learn more here.

Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI^® ATMs in a 7-Eleven^® or Speedway, or any Allpoint^® or Visa^® Plus Alliance ATM participating in the Allpoint network. Learn more here.

Out-of-network ATM withdrawal and OTC advance fees may apply. Learn more here.

Fee is based upon transfer amount – 1.75% of total amount of funds to be transferred per transaction. There is a minimum transfer amount of $25.00 per ITFO Service transaction. ITFO Service transactions shall not exceed a limit $500.00 per month. Instant transfers may experience delays due to factors beyond our control, such as network timing issues.

Up to $50.00 plus sales tax.

APR of up to 36.00% as set forth in the borrower’s loan agreement.

Option to get funds instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance, or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.

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 is 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 cards are accepted. The secured Chime Credit Builder Visa^® Credit Card and the secured Chime Visa^® Credit Card are 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 credit cards are accepted. Please see the back of your Card for its issuing bank.

Chime is not FDIC-insured. The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. FDIC deposit insurance limit is $250,000 per depositor, per insured bank, per ownership category.

#1 Most Loved Banking App Source: Chime is recommended by more of its users in the 2025 Qualtrics^® NPS study when compared to top national banks and select fintechs. THE #1 MOST LOVED BANKING APP is a Registered Trademark of Chime Financial, Inc.

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.

Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI^® ATMs in a 7-Eleven^® or Speedway, or any Allpoint^® or Visa^® Plus Alliance ATM participating in the Allpoint network.

Ranking according to the Federal Reserve Statistical Release based on domestic assets; number of ATMs self-reported by Chase, Bank of America and Wells Fargo - June 2025.

Once the retailer accepts your cash, the funds will be transferred to your selected Chime account. Barcode and debit card cash deposits land in the Checking Account, while Credit Builder card and Chime Card cash deposits first go through your Card Account and then land in your Secured Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.

Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member's direct deposit enrollment status.

You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

Most Rewarding Way to Bank source: Based on 2025 internal comparison to select traditional bank and fintech offerings.

#1 Choice for Banking/America’s #1 Choice for Banking source: In a quarterly J.D. Power study conducted via consumer survey between August and September 2025, more new checking accounts were opened through Chime than any listed financial institution or financial partner. Chime offers access to checking accounts used for everyday banking. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

Tax e-file services provided by April Tax Solutions Inc. ("april"). These tax filing offers are not endorsed or offered by our partners, The Bancorp Bank, N.A. or Stride Bank, N.A.

Chime does not guarantee timing of refund. Five day refund estimate is based on 2024 tax year filing data. Refund timing estimates are dependent upon timing of complete tax return submission and when the IRS submits your refund.

Maximum refund guarantee is provided by april. If you use april's service to prepare and file your return and you find an error in the tax preparation that entitles you to a larger refund (or smaller liability), you may use their service to amend that return at no additional charge. To qualify, the larger refund or smaller tax liability must not be due to differences or inaccuracies in data supplied by you, your choice not to claim a deduction or credit, positions taken on your return that are contrary to law, or changes in federal or state tax laws. See april's Terms of Use for details.

If the april tax preparation software makes a mathematical error that results in your payment of a penalty and/or interest to the IRS that you would otherwise not have been required to pay, april will reimburse you up to a maximum of $10,000. See april Terms of Use for details.