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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.
Your money,
with less fees
A checking account with $0 monthly fees, $0 overdraft fees, and no opening deposit.
Learn how we collect and use your information by visiting our
Your account shouldn’t cost you money
no monthly fees
no overdraft fees
no minimum balance requirement
no foreign transaction fees
no transfer fees
Get paid up to 2 days earlyˆ with direct deposit
Over 50k fee-free ATMs˜
Fee-free overdraft up to $200*
24/7 live support, with a real human
Safe, secure & trusted by millions
Your funds are FDIC insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC† and we keep your money safe and secure with periodic security tests of our systems.
Make the switch today
FAQs
What is Chime®?
At Chime, we’ve created a new approach to online banking that doesn’t rely on fees~, gets you your paycheck up to 2 days early with direct deposit^ , and helps you grow your savings automatically. When you open a bank account through Chime, you get a Visa® Debit Card and a Checking Account that can be managed entirely from your smartphone, plus an optional Savings Account that helps you grow your savings automatically! The Chime mobile banking app is available on both Android and iOS.
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.
What is Chime's mission?
Our mission is to unite everyday people to Unlock Financial Progress™. We’re doing that by changing the way people feel about banking. Chime’s business was built on the principle of protecting our members and making managing your money easy. We’ll never profit from your misfortune or mistakes and everything we build is focused on improving our member’s lives.
Who can use Chime?
U.S. Citizen or legal resident of the United States 18 years and older are welcome to apply! While Chime cards work all over the world, currently we can only offer accounts to members with a valid SSN, living in the United States and District of Columbia.
How does Chime make money?
Chime makes money from the interchange fee charged on card transactions. Every time you use your Chime Visa® Debit Card or Credit Builder Secured Credit Card for purchases and paying bills, Visa processes the transaction and charges an interchange fee to merchants for the service. Chime receives a portion of this fee. This is how Chime can continue building new and better products that help members get the most from their money.
When do I receive my Chime Visa® Debit Card after I open a Chime Checking Account?
After you open a Checking Account, we get started on personalizing your new Chime Visa Debit Card. Your Chime Visa Debit Card is usually placed in the mail within one (1) business day after you open your Checking Account. It can take 5 to 10 business days for your Chime Visa Debit Card to arrive at your home address.
If you don’t have your Chime Visa Debit Card within 10 business days after opening your Checking Account, please contact our Member Services team at 1-844-244-6363.
Does Chime charge any fees?
We have no fees to sign up, no overdraft, no monthly service fees, no minimum balance fees, and no card replacement fees either. We do charge one fee ($2.50) when you get cash from either an over the counter withdrawal, or an out-of-network ATM that is not part of Chime’s fee-free network of 50,000+ ATMs.
Please note that third-party services, such as money transfer services used to deposit funds or out-of-network ATM. You can access your money at 50,000+ in-network fee-free ATMs.
How many ATMs accept the Chime debit card?
You can get cash at more than 50,000+ fee-free ATMs* – more than the top 3 national banks combined¹! Including ATMs at popular retail stores like Walgreens®, CVS®, 7-Eleven®, Circle K®, and Target®.
Get fee-free transactions at any Moneypass® ATM in a 7-Eleven location and at any Allpoint® or Visa® Plus Alliance® ATM. Otherwise, out-of-network ATM withdrawal fees may apply.
Will I ever be charged an overdraft fee?
No. If you do not have sufficient funds in your Chime® Checking Account, or have reached your SpotMe² limit (if enrolled), then your Chime Visa® Debit Card will be declined. There is no fee for declining transactions or for utilizing SpotMe®.
Your money, with less fees.
A checking account with $0 monthly fees, $0 overdraft fees, and no opening deposit.
Your money, with less fees.
A checking account with $0 monthly fees, $0 overdraft fees, and no opening deposit.
Your money shouldn’t cost money.™
no monthly fees
no overdraft fees
no minimum balance requirement
no foreign transaction fees
no transfer fees
All the important
checking perks.
Everything you want out of your banking app with no monthly fee.
My score went up over 60 points and I bought my first car.
Early payday guarantees that I can make it to any gig, any rehearsal, anytime.
With Chime, I’m saving hundreds of dollars a year.
Real members. Sponsored content.
We take security seriously.
FDIC Insured
Deposits are FDIC insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank N.A.; Members FDIC.†
Block your card
If your card is missing or you suspect unauthorized use, you can block all transactions on your Chime Debit Card and Credit Builder card. Open the Chime app and disable transactions to immediately prevent new debit or credit card purchases or ATM withdrawals.
Real-time alerts
Chime allows you to receive instant transaction alerts anytime you use your Chime debit card. Turn on daily notifications so you always know what’s happening with your money.
Privacy and security
We support two-factor authentication and support fingerprint authentication.
Have questions
about Chime?
What is Chime®?
At Chime, we’ve created a new approach to online banking that doesn’t rely on fees~, gets you your paycheck up to 2 days early with direct deposit^ , and helps you grow your savings automatically. When you open a bank account through Chime, you get a Visa® Debit Card and a Checking Account that can be managed entirely from your smartphone, plus an optional Savings Account that helps you grow your savings automatically! The Chime mobile banking app is available on both Android and iOS.
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.
What is Chime's mission?
Our mission is to unite everyday people to Unlock Financial Progress™. We’re doing that by changing the way people feel about banking. Chime’s business was built on the principle of protecting our members and making managing your money easy. We’ll never profit from your misfortune or mistakes and everything we build is focused on improving our member’s lives.
Who can use Chime?
U.S. Citizen or legal resident of the United States 18 years and older are welcome to apply! While Chime cards work all over the world, currently we can only offer accounts to members with a valid SSN, living in the United States and District of Columbia.
How does Chime make money?
Chime makes money from the interchange fee charged on card transactions. Every time you use your Chime Visa® Debit Card or Credit Builder Secured Credit Card for purchases and paying bills, Visa processes the transaction and charges an interchange fee to merchants for the service. Chime receives a portion of this fee. This is how Chime can continue building new and better products that help members get the most from their money.
When do I receive my Chime Visa® Debit Card after I open a Chime Checking Account?
After you open a Checking Account, we get started on personalizing your new Chime Visa Debit Card. Your Chime Visa Debit Card is usually placed in the mail within one (1) business day after you open your Checking Account. It can take 5 to 10 business days for your Chime Visa Debit Card to arrive at your home address.
If you don’t have your Chime Visa Debit Card within 10 business days after opening your Checking Account, please contact our Member Services team at 1-844-244-6363.
Does Chime charge any fees?
We have no fees to sign up, no overdraft, no monthly service fees, no minimum balance fees, and no card replacement fees either. We do charge one fee ($2.50) when you get cash from either an over the counter withdrawal, or an out-of-network ATM that is not part of Chime’s fee-free network of 50,000+ ATMs.
Please note that third-party services, such as money transfer services used to deposit funds or out-of-network ATM. You can access your money at 50,000+ in-network fee-free ATMs.
How many ATMs accept the Chime debit card?
You can get cash at more than 50,000+ fee-free ATMs* – more than the top 3 national banks combined¹! Including ATMs at popular retail stores like Walgreens®, CVS®, 7-Eleven®, Circle K®, and Target®.
Get fee-free transactions at any Moneypass® ATM in a 7-Eleven location and at any Allpoint® or Visa® Plus Alliance® ATM. Otherwise, out-of-network ATM withdrawal fees may apply.
Will I ever be charged an overdraft fee?
No. If you do not have sufficient funds in your Chime® Checking Account, or have reached your SpotMe² limit (if enrolled), then your Chime Visa® Debit Card will be declined. There is no fee for declining transactions or for utilizing SpotMe®.
Will it require a hard credit check to apply?
No way! We think everyone deserves a chance to build credit, so we don’t check your credit score when you apply.
Do I need to have a Chime Checking Account to use Credit Builder?
Yes. We designed Credit Builder to work with the Chime Checking Account so that you can move money instantly—across your Chime accounts!
How can Credit Builder help my credit score?
Credit Builder offers features that help you stay on top of key factors that impact your credit scores. Consistent use of Credit Builder can help you build credit and, with on-time payments, increase the length of your credit history over time. We report to the major credit bureaus – TransUnion®, Experian®, and Equifax®.
Learn more about credit building with Credit Builder.