Disclosures

The disclosed Annual Percentage Yield (APY) is available only while you maintain Chime+ status, otherwise the standard 0.75% APY for non-Chime+ will apply. The APYs for the Chime Savings Account are effective as of 01/29/2026 and are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime+ 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 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).

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.

With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa^® Credit Card purchases. Please refer to the Secured Chime Visa® Credit Card - Cash Rewards Program Addendum for details and more information on rotating cash back categories.

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.

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. 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 your Chime^® Checking Account when you receive a qualifying direct deposit. 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 OTC advance fees may apply. See here for details.

Fee is based upon transfer amount – 1.75% of total amount of funds to be transferred per transaction.

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.

Banking services 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.

Chime is recommended by more of its users in the 2024 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.

Once the retailer accepts your cash, the funds will be transferred to your Chime account. You may use your barcode, debit card, or Chime Card to deposit cash. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade. Cash deposits using a barcode or debit card are deposited to your Checking Account. If you have the Chime Card, those funds will be automatically swept to your Chime Card Secured Deposit Account. Cash deposits using your Chime Card first go to your Chime Card Account, then transferred to your Chime Card Secured Deposit Account. Cash deposits are not payment for any Chime Card balance due.

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.

To be eligible for Chime+^™ status, you must receive a qualifying direct deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime+ benefits have additional eligibility requirements. While some Chime+ benefits may have associated fees, none of these fees are mandatory to access Chime+ benefits or to maintain Chime+ status. See Chime+ Terms and Conditions for details.

The disclosed Annual Percentage Yield (APY) is available only while you maintain Chime+ status, otherwise the standard 0.75% APY for non-Chime+ will apply. The APYs for the Chime Savings Account are effective as of 01/29/2026 and are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime+ Terms and Conditions for more details.

Eligibility requirements and limits apply. Cash back rates may vary. Check the Chime app for merchant offer details. See Chime Deals^® Terms and Conditions.

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.