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® ˆ: Traditional banks took $11 Billion in overdraft fees in 2019. At Chime, we do things differently. We will allow you to overdraw up to $200ˆ 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 early**: 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!
Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
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