Applying for an account is free, takes less than 2 minutes, and won’t affect your credit score. When you sign up for a Chime account, you’ll receive:
- A Chime Visa® debit card
- A Checking Account
- Access to our award-winning mobile app to keep you in control of your money
We provide simple, lowest-cost services across checking and saving that align with our members’ interests. They use us because of features like:
- Fee-free overdraft through SpotMe*: Traditional banks took $11 Billion in overdraft fees in 2019. At Chime, we do things differently. We will allow you to overdraw up to $200* on debit card purchases without charging a fee.
- No unnecessary bank fees˜: No minimum balance requirements. No monthly service fees. No foreign transaction fees. No transfer fees.
- Get your paycheck earlyˆ: Set up Direct Deposit and receive your paycheck up to 2 days earlier than some of your co-workers!
- Chime accounts are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC, so you know your money is safe with us!
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.
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