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<form class="email-capture enroll-form" data-action="https://member.chime.com/enroll/?ad=ch_raf&amp;ch_rafid=mccaffrey">
  <div class="email-capture__input-val"> <input class="email-capture__input" type="email" name="user[email]" placeholder="Enter your email" autocomplete="email" title="Email Address">
    <div class="email-capture-error email-capture__validation copy--disclaimer"></div>
  </div> <input class="btn btn--black email-capture__submit email-capture-submit copy--button" type="submit" value="Get Started" data-android="Enter your email"> <input type="hidden" name="ph_tid" value="">
</form>

GET https://tr.snapchat.com/cm/i

<form method="GET" action="https://tr.snapchat.com/cm/i" target="snap0880385562307533" accept-charset="utf-8" style="display: none;"><iframe id="snap0880385562307533" name="snap0880385562307533"></iframe><input name="pid"></form>

Text Content

LOOKS LIKE YOU’RE LOOKING FOR CHIME.COM

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

Proceed


GET $100 WHEN YOU JOIN MC ON CHIME

Earn $100 when you receive a payroll direct deposit of $200 or more within the
first 45 days of opening your Chime Checking Account!¹

Chime is a financial technology company, not a bank. Banking services and
checking account provided by The Bancorp Bank or Stride Bank N.A.; Members FDIC.
Credit Builder card issued by Stride Bank N.A.

Privacy Policy› for info on data collection and uses


CHIME IS AN AWARD-WINNING MOBILE BANKING APP AND DEBIT CARD

Fee-free overdraft up to $200 for eligible members*

Get paid up to 2 days early with direct depositˆ

No monthly fees

Grow your savings automatically

Signing up takes 2 minutes!


300,000+ 5-STAR APP REVIEWS


"CHIME HAS YOUR BACK!"

The “SpotMe*" option helps me to still get my groceries when I'm short with no
overdraft fees... Everything is done online and efficiently.

★★★★★
Kelly, App Store Review


"TRUSTWORTHY AND SECURE"

You can call customer service and get a live representative. And your security
and privacy is their number one concern. I recommend this app to everybody Chime
is the best…

★★★★★
David, App Store Review


"SUPER INTUITIVE TO USE!"

Love it! Everything is so easy and INSTANT! Turn on and off card? Instant! Texts
after spending? Instant!…

★★★★★
Austin, App Store Review



FEE-FREE OVERDRAFT

At Chime, we will allow you to overdraw up to $200* on debit card purchases and
cash withdrawals without charging a fee. With SpotMe, our members have saved
over $10 billion in overdraft fees!#

Eligibility requirements apply.*


GET PAID EARLY^

Set up direct deposit and get your paycheck up to 2 days earlier than some of
your coworkers!^


YOUR ACCOUNT SHOULDN’T COST YOU MONEY

Chime has no overdraft fees, no monthly maintenance fees, no minimum balance
fees, no foreign transaction fees, and no deposit required for checking and
savings accounts.

Out of network fees apply.˜


SAVE WHEN YOU SPEND

Save When You Spend automatically rounds up transactions to the nearest dollar
and transfers the Round Up from your Checking Account into your optional Savings
Account.


CHIME CHECKING ACCOUNT AND VISA® DEBIT CARD

Your Chime Checking Account comes with a debit card to use everywhere Visa debit
cards are accepted.

And unlike some prepaid cards and traditional bank accounts, there are no
monthly account fees and minimum balance requirements.


CHIME CREDIT BUILDER VISA® CREDIT CARD

Help increase your credit score by an average of 30 points with on-time payments
with our new secured credit card.2 Eligibility requirements apply.3

 * No interest or annual fee
 * No credit check to apply
 * No minimum security deposit required4

 * 1
 * 2


SAFE, SECURE & TRUSTED BY MILLIONS


GET INSTANT TRANSACTION ALERTS ANYTIME YOU USE YOUR CHIME DEBIT CARD, WHEN YOU
TURN ON TRANSACTION NOTIFICATIONS. INSTANTLY BLOCK YOUR CARD IF IT GOES MISSING
OR YOU SUSPECT UNAUTHORIZED USE.

Deposits are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank
N.A.; Members FDIC.

Visa®’s Zero-Liability Policy protects all unauthorized purchases.◆

We use encryption and secure processes to help ensure your money is safe.
Deposits are insured through our partners, The Bancorp Bank or Stride Bank,
N.A., Members FDIC.


MAKE THE SWITCH TODAY.

Get Started

Banking services for the Chime Checking Account 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.

Chime Privacy Policy›

*SpotMe/Fee-Free Overdraft Chime SpotMe is an optional, no fee service that
requires a single deposit of $200 or more in qualifying direct deposits to the
Chime Checking Account each month. All qualifying members will be allowed to
overdraw their account up to $20 on debit card purchases and cash withdrawals
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. Although there
are no overdraft fees, there may be out-of-network or third party fees
associated with ATM transactions. SpotMe won't cover non-debit card
transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook
transactions. See Terms and Conditions.

^Early Payday/Get Paid Up to Two Days Early 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.

˜Applicable fees Out-of-network ATM withdrawal fees apply except at Moneypass
ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM.

# June 2020 Overdraft Fees Report
https://www.responsiblelending.org/sites/default/files/nodes/files/research-publication/crl-overdraft-covid19-jun2019.pdf

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

1Terms and Conditions: In order for the referring Chime member (“Referrer”) to
qualify and receive the $100.00 monetary referral reward and $10.00 temporary
SpotMe Base Limit increase referral reward, and for the referred person
(“Referred”) to qualify and receive the $100.00 monetary referral reward, all of
the following conditions must be satisfied: (1) Referrer is part of the SpotMe
Referral Incentive referral reward campaign; (2) Referred has not previously
opened an Account (“Account”); (3) Referred opened a new Account between January
1, 2022 and December 31, 2022; (4) Referred opened the new Account using the
Referrer’s unique referral link; and (5) Referred received in the new Account a
qualifying direct deposit of $200.00 or more within 45 calendar days of opening.
A qualifying direct deposit is a direct deposit from your employer, payroll
provider, gig economy payer, or benefits payer by Automated Clearing House (ACH)
deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Friends
transfers, verification or trial deposits from financial institutions, peer to
peer transfers from services such as PayPal, Cash App, or Venmo, mobile check
deposits, cash loads or deposits, one-time direct deposits, such as tax refunds
and other similar transactions, and any deposit to which Chime deems to not be a
qualifying direct deposit are not qualifying direct deposits. Members may earn
no more than $50.00 in SpotMe Base Limit referral increase, and may earn no more
than $1,000.00 in monetary referral rewards per calendar year (January 1, 2022 -
December 31, 2022 and January 1, 2023 – December 31, 2023). No member’s SpotMe
limit may exceed $200. Any Referrer SpotMe Base limit increase referral reward
will expire 184 calendar days from the Referred receiving a qualifying direct
deposit. If an eligible Referrer loses Base Limit eligibility, and the Referred
completes the above conditions, the Referrer will receive the $10 temporary
SpotMe limit increase referral reward only upon regaining Base Limit
eligibility. Referral rewards will generally be provided within two (2) business
days after all the above conditions are met. The Referrer’s account must be in
good standing in order to receive the referral reward. Referred individuals
acknowledge that payment of any referral reward may result in the Referrer’s
knowledge of the Referred’s establishment of a new Account or enrollment in a
product. Chime reserves the right to cancel or modify the terms of any referral
reward offer or terminate a member's eligibility at any time with or without
prior notice. Credits of $10 or more will be reported on tax form 1099-INT for
new members (Referred). Credits of $600 or more will be reported on tax form
1099-MISC for referring Chime members (Referrers). Banking services are provided
by The Bancorp Bank or Stride Bank, N.A., Members FDIC.

2Credit Score Increase based 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.

3To 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 the
last 365 days of your application. The qualifying direct deposit must have been
made by your employer, payroll provider, or benefits payer by Automated Clearing
House (ACH) deposit. Bank ACH transfers, Pay Friends transfers, verification or
trial deposits from financial institutions, peer to peer transfers from services
such as PayPal, Cash App, or Venmo, mobile check deposits, and cash loads or
deposits are not qualifying direct deposits.

4Security Deposit Money added to Credit Builder will be held in a secured
account as collateral for your Credit Builder card, which means you can spend up
to this amount on your card. This is money you can use to pay off your charges
at the end of every month.

Chime
P.O. Box 417
San Francisco, CA 94104-0417

© 2013-2022 Chime. All Rights Reserved.