Chime – Mobile Banking

Chime is the mobile banking app that has your back. Keep your money safe with security features, overdraft up to $200 fee-free*, and get paid up to 2 days early with direct deposit^, with no monthly fees.

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC

TRUSTED BY MILLIONS

Stay in control of your money with two-factor authentication, TouchID, or FaceID. Enable instant transaction and daily balance alerts, and block your card in a single tap.

OVERDRAFT UP TO $200*

We get it– when your balance is running low, the last thing you need is a $32 overdraft fee. Eligible members on Chime can overdraft up to $200* on debit card purchases and cash withdrawals with no fees.

SAY GOODBYE TO MONTHLY FEES

Your account shouldn’t cost you money. Chime has no monthly fees, minimum balance fees, or foreign transaction fees. Plus, access 60k+ fee-free ATMs‡ at locations like Walgreens®, 7-Eleven®, CVS®, and more.

GET PAID UP TO 2 DAYS EARLY

Get your paycheck up to two days early^ with direct deposit, earlier than you would with some traditional financial institutions.

MEET CREDIT BUILDER, A NEW WAY TO BUILD CREDIT

Whether it’s for gas or groceries, use the Chime Credit Builder Secured Visa® Credit Card¹ to help increase your credit score by an average of 30 points with regular on-time payments². No interest, no annual fees, no credit check to apply.

REACH YOUR MONEY GOALS

Save money without even thinking about it, with our Automatic Savings features. PAY FRIENDS WITH NO TRANSFER FEES
Send money to friends, family, or roommates easily– with no transfer fees.
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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. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. Debit card and Credit card may be used everywhere Visa credit cards are accepted.

*Chime SpotMe is an optional, no fee service that requires $200 in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases 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. SpotMe won't cover non-debit card purchases, including ATM withdrawals, ACH transfers, Pay Friends transfers, or Chime Checkbook transactions.

‡Out-of-network ATM withdrawal fees may apply except at Moneypass ATM in a 7-Eleven location, or any Allpoint or Visa Plus Alliance ATM.

^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.

¹To 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 365 days of your Credit Builder application. See http://chime.com/applycb for detail on qualifying direct deposit.

²Based 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.