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<form class="email-capture enroll-form"
  data-action="https://member.chime.com/enroll/?ad=fmb_adpx_spotme200&amp;utm_source=FeedMob_AdsPostX&amp;fm_publisher_id=feed1c68a5b2-48f1-453a-82ca-a5988c0e0f55_feed-click-id19845&amp;fm_click_id=19845&amp;fm_conversion_id=ebbc78757c2952a191023854d5a55543&amp;utm_medium=AdsPostX_1961&amp;FEEDMOB_VENDOR_NAME=AdsPostX&amp;FEEDMOBVENDORNAME=AdsPostX&amp;FEEDMOB_BILLING_METHOD=CPA&amp;feedmob_token=c7a21903-0808-421e-b61e-368cb882e39e&amp;FEEDMOB__TOKEN=c7a21903-0808-421e-b61e-368cb882e39e"
  method="post">
  <div class="email-capture__input-val"> <input class="email-capture__input copy--body-cond" type="email" name="user[email]" placeholder="Enter your email to get started" autocomplete="email" aria-label="Enter your email to get started">
    <div class="email-capture-error email-capture__validation copy--disclaimer"></div>
  </div> <button class="btn email-capture__submit email-capture-submit copy--button" data-android="Enter your email to get started">Apply now</button> <input type="hidden" name="ph_tid" value="">
</form>

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LOOKS LIKE YOU’RE LOOKING FOR CHIME.COM

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.

Proceed


YOUR MONEY,
WITH LESS FEES

A checking account with $0 monthly fees, $0 overdraft fees, and no opening
deposit.

Does Chime charge any fees? ›

Apply now
Already have an account?

Learn how we collect and use your information by visiting our

Privacy PolicyTerms and conditions




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 60k fee-free ATMs˜

Fee-free overdraft up to $200*

24/7 live support, with a real human


CHIME CHECKING ACCOUNT AND VISA® DEBIT CARD

Chime offers a Checking Account with no minimum balance fees, no monthly fees,
and no overdraft fees.

Use your Chime debit card to withdraw cash at over 60K fee-free ATMs˜ and make
purchases wherever debit cards are accepted.


CHIME CREDIT BUILDER VISA® CREDIT CARD

Help increase your credit score by an average of 30 points with regular, on-time
payments with our new secured credit card.2 Eligibility requirements apply.1

 * No interest or annual fee
 * No credit check to apply
 * No minimum security deposit required3

 * 1
 * 2


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.

 * Turn on instant transaction alerts
 * Block your card in one tap
 * 24/7 live support – with a real human
 * Secure two-factor and fingerprint authentication


WE'RE CHANGING THE WAY YOU FEEL ABOUT MONEY

Join the millions on Chime and feel good about your finances.

Real members. Sponsored content.




Real members. Sponsored content.

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MAKE THE SWITCH TODAY

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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®.




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. The Chime
Visa® Debit Card and the Chime Credit Builder 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 debit and credit cards are accepted.
Please see the back of your Card for its issuing bank.



* SpotMe/Fee-Free Overdraft SpotMe® for Credit Builder 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. 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: Boosts are available to eligible Chime members enrolled in
SpotMe® and are subject to monthly limits.



^ 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.

~ Fee-free ATMs Out-of-network ATM withdrawal and over the counter advance fees
may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus
Alliance ATM."]

1 Credit Builder To apply for Credit Builder, you must have an active Chime®
Checking Account.

2 Based on a representative study conducted by Experian®, members who made their
first purchase with Credit Builder between June 2022 and October 2022 observed
an average FICO® Score 8 increase of 30 points after approximately 8 months.
On-time payment history can have a positive impact on your credit score. Late
payment may negatively impact your credit score.

3 Security Deposit Money added to Credit Builder will be held in a secured
deposit account as collateral for your Credit Builder Visa 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. Minimum Security
Deposit"]

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

Address: 101 California Street, Floor 5, San Francisco, CA 94111, United States.

No customer support available at HQ. Customer support details available on the
website.

© 2013-2024 Chime Financial, Inc. All rights reserved.


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COOKIE OPTIONS

When you visit the Chime website, we store cookies on your browser to collect
information. The information collected might relate to you, your preferences, or
your device. The information is used to make the site work as expected and to
provide a more personalized web experience. However, you can choose not to allow
certain types of cookies by toggling the different categories off. You cannot
opt out of Strictly Necessary Cookies because they are deployed in order to
ensure the proper functioning of the website. They perform tasks such as
remembering your cookie settings and logging you into your account. See the
Chime Privacy Notice for more information about the data we collect and how we
use it.
Chime's Privacy Notice
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STRICTLY NECESSARY COOKIES

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These cookies are necessary for the website to function and cannot be switched
off. They are required in order to perform tasks such as remembering your cookie
settings and logging you into your account.

SALE OR SHARE OF PERSONAL INFORMATION

Sale or Share of Personal Information

California residents have the right to opt out of the sale or sharing of their
personal information to third parties. The cookie categories below may be deemed
a “sale” or “share” of personal information under California law. These cookies
collect information for analytics and to personalize your experience with
targeted ads. You may exercise your right to opt out of the sale or sharing of
personal information by using the toggles. If you opt out, we will not be able
to offer you personalized ads and will not hand over your personal information
to any third parties for this purpose. Chime members who wish to opt out of all
selling and sharing should also do so within the app under their user settings.
This is because our webpage does not collect personal information that allows us
to directly link visitors to a Chime account. Additionally, you may need to opt
out of cookies again if you switch browsers because your preferences are tied to
your browser.

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