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<form class="email-capture enroll-form" data-action="https://member.chime.com/enroll/?ad=ch_raf&amp;ch_rafid=markaylaheidelburg" method="post">
  <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>

Text Content

LOOKS LIKE YOU’RE LOOKING FOR CHIME.COM

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

Proceed


GET $100 WHEN YOU JOIN MARKAYLA ON CHIME

You and your friend each earn $100 when you sign up and get a qualifying direct
deposit of $200+ within 45 days —cha‐ching!1

Privacy Policy >

Offer details >


DON'T PAY MONEY TO USE YOUR MONEY

No monthly fees

Build credit history
with no annual fees

Fee-free overdraft up to $200*

Get paid up to 2 days early^


SEE WHY MILLIONS OF
MEMBERS LOVE CHIME

Real members. Sponsored content.




Real members. Sponsored content.

Swipe to explore


MAKE THE SWITCH TODAY

Get started


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, N.A. 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, N.A. or Stride
Bank, N.A., Members FDIC.


MAKE THE SWITCH TODAY.

Get Started


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 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.

While Chime doesn't issue personal checkbooks to write checks, Chime Checkbook
gives you the freedom to send checks to anyone, anytime, from anywhere. See your
issuing bank’s Deposit Account Agreement for full Chime Checkbook details.



*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 at least once every 34 days. 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 Anyone 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.

1Terms and Conditions: In order for the referring Chime member (“Referrer”) to
qualify and receive the $100.00 referral reward and $10.00 temporary SpotMe
Bonus Limit increase, and for the referred person (“Referred”) to qualify and
receive the $100.00 referral reward, all of the following conditions must be
satisfied: (1) Referrer meets SpotMe eligibility requirements and is part of the
SpotMe Referral Incentive referral reward campaign; (2) Referred has not
previously opened a Chime Checking Account (“Account”); (3) Referred opened a
new Account between January 1, 2023 and December 31, 2023; (4) Referred opened
the new Account using the Referrer’s unique referral link; (5) Referred received
in the new Account a Qualifying Direct Deposit within 45 calendar days of
opening the Account; and 6) Referred activated their physical Chime Visa Debit
Card within 14 days of receiving a Qualifying Direct Deposit. A Qualifying
Direct Deposit is a deposit of $200.00 or more by Automated Clearing House
(“ACH”) that comes from your employer, payroll provider, gig economy payer, or
benefits payer OR a deposit by Original Credit Transaction (OCT) from your gig
economy payer. Bank ACH transfers, Pay Anyone 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 legitimate are not Qualifying
Direct Deposits. Members will not be enrolled in SpotMe automatically. Members
must qualify for SpotMe and enroll manually through the Chime App in order to
receive the temporary SpotMe Bonus Limit increase referral reward. Members may
earn no more than $50.00 in SpotMe Bonus Limit referral increase and may earn no
more than $1,000.00 in monetary referral rewards per calendar year (January 1,
2023 - December 31, 2023 and January 1, 2024 – December 31, 2024). No member’s
SpotMe limit may exceed $200. Any earned SpotMe increases from this referral
reward in the Member’s bonus queue (“Bonus Queue”) not yet added to the Member’s
SpotMe limit (due to the promotional limit cap) will be added to the Member’s
SpotMe limit on a rolling basis as the previously added SpotMe increases from
this referral reward expire. Once the temporary SpotMe bonus limit ends, Members
may no longer earn SpotMe increases on this referral reward, however the earned
SpotMe bonuses in the Member’s Bonus Queue will not be lost. Any Referrer SpotMe
Bonus limit increase referral reward will expire 184 calendar days from the
Referred receiving a Qualifying Direct Deposit. If an eligible Referrer loses
Bonus Limit eligibility, and the Referred completes the above conditions, the
Referrer will receive the $10 temporary SpotMe limit increase referral reward
only upon regaining Bonus 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 Anyone 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

© 2013-2024 Chime. All Rights Reserved.