Chime - Mobile Banking

Welcome to banking made awesome.

Chime is mobile and online banking with no hidden fees: get your paycheck up to 2 days early* with direct deposit, have fee-free overdraft when you’re in a pinch, grow your savings automatically, and manage your finances like a boss using the highly-rated Chime mobile banking app.

When you bank with Chime, you get a Visa® Debit Card, a Spending Account, and an optional Savings Account to help you save money.

Applying for an account is free, takes less than 2 minutes and it won’t affect your credit score!

Here’s what our members love most about Chime:

• Get your paycheck up to 2 days early* with direct deposit

• Fee-free overdraft.** We’ll spot you on debit card purchases with no overdraft fees.

• No hidden fees: no monthly fees, no overdraft fees, no foreign transaction fees, no minimum balance requirements

• Over 38,000 fee-free ATMs with Moneypass and Visa Plus Alliance

• Real-time transaction notifications

• Daily balance alerts

• Block your card instantly in-app

• Grow your savings automatically with our Savings Account

• Send money instantly with Pay Friends to other Chime members.

• Deposit checks using Mobile Check Deposit for eligible members.^

• Apple Pay™ / Google Pay™ for when you forget your wallet

• Move money between your other bank accounts

• EMV chip card security

• Friendly and responsive customer support

With the Chime mobile banking app, you can stay in control of your money. Track your spending, link your other bank accounts, and save money.

How to switch banks:

• Step 1: Open Your Account: Download the app and sign up. Once approved, we’ll send you your Chime card within two weeks!

• Step 2: Fund Your Account: Set up a direct deposit with your employer or payer to have funds deposited to your Chime account every payday. You can also connect other bank accounts and transfer funds from your existing bank account.

• Step 3: Update Bill Payments: Activate your card when it arrives, add it to Apple Pay, and set up recurring bill payments with your Chime card number or with your Chime Spending Account and routing numbers.


For more information please visit www.chime.com.

***Learn how we collect and use your information by visiting our Privacy Policy at https://www.chimebank.com/policies/chime/privacy-policy/.***

Banking services provided by, and debit card issued by, The Bancorp Bank, or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. Debit card may be used everywhere Visa debit cards are accepted.

*Early access to direct deposit funds depends on the timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.

**Chime SpotMe is an optional, no fee service that requires that you receive $500 in direct deposit a month to qualify to overdraw your account up to $20 on debit card purchases. Chime, in its sole discretion, may allow you to withdraw your account up to $100 or more based on your Chime Account history, direct deposit history 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 be increased or lowered at any time by Chime.

^Not all new or existing customers are eligible to use Mobile Deposit. There are qualifications and enrollment requirements for participation in Mobile Deposit, and we reserve the right to change the qualification and enrollment requirements in our sole discretion at any time without prior notice. We may require you to upload a picture of your driver’s license or other identifying documents prior to using Mobile Deposit. Eligibility requirements can be found online after you have signed into your Spending Account.