Chime – Mobile Banking


Chime is the mobile banking app that has your back. Keep your money safe with security features, overdraft up to $200 fee-free*, and get paid up to 2 days early with direct deposit^, with no monthly fees.
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March 21, 2022
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Chime is a mobile banking app that supports you. Protect your funds with security features, free overdrafts up to $200*, and receive payments 2 days in advance via direct deposit^ with no monthly fees.

Chime is a fintech company, not a bank. Banking services offered by The Bancorp Bank or Stride Bank, N.A. Coming Soon; Member FDIC

Trusted by millions

Control your funds with two-factor authentication, TouchID or FaceID. Activate instant transaction and daily balance reminders and block your card with just one tap.

Up to $200*

We get it – if you don’t have enough balance, the last thing you need is a $32 overdraft fee. Eligible Chime members can overdraft up to $200* on debit card purchases and withdrawals with no fees.

Say goodbye to monthly fees

Your account should not cost you any money. Chime has no monthly fees, minimum balance fees, or foreign transaction fees. Plus, use more than 60,000 free ATMs‡ at Walgreens®, 7-Eleven®, CVS®, and more.

Get paid 2 days in advance

Direct deposit gets your paycheck two days earlier than some traditional financial institutions^.


Whether it’s gas or groceries, improve your credit score by an average of 30 points² with regular, on-time payments with the Chime Credit Builder Secured Visa® Credit Card¹. No interest, no annual fee, no credit check.

reach your money goals

Save money without thinking about it with our automatic savings feature. Pay friends without transfer fees
Easily send money to friends, family or roommates – no transfer fees.

Banking Services of The Bancorp Bank or Stride Bank, N.A. Member FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank under license from Visa USA Inc. The Chime Visa® Credit Builder Card is issued by Stride Bank under license from Visa USA Inc. Debit and credit cards can be used anywhere Visa credit cards are accepted.

*Chime SpotMe is an optional free service that requires $200 per month of eligible direct deposit into a Chime spending account. All eligible members may initially overdraw their account by up to $20 on debit card purchases, but may be eligible for up to $200 or more at a later date depending on the member’s Chime account history, frequency and amount of direct deposit, spending activity and other exposures Much higher limit – based on factors. Your limit will be displayed to you in the Chime mobile app. You will be notified of any changes to limits. Chime may, at its discretion, change your limits at any time. SpotMe does not cover non-debit card purchases, including ATM withdrawals, ACH transfers, Pay Friends transfers, or Chime checkbook transactions.

‡ With the exception of Moneypass ATMs or Allpoint or Visa Plus Alliance ATMs at 7-Eleven locations, out-of-network ATM withdrawal fees may apply.

^Early access to direct deposit funds depends on when the payer submits the payment documentation. We usually provide these funds on the day we receive payment documents, which may be up to 2 days before the scheduled payment date.

¹ To apply for Credit Builder, you must make a qualifying direct deposit of $200 or more into your checking account within 365 days of applying for Credit Builder. For more information on eligible direct deposit, see

²According to a representative study conducted by TransUnion®, members who started using Chime Credit Builder in September 2019 observed a 30-point increase in their average credit score (VantageScore 3.0) as of January 2020. On-time payment behavior can positively impact your credit score. Late payments can negatively impact your credit score.

What's new

Things that will happen by updating your Chime app this week: app runs faster with the included performance updates, and more securely with the bug fixes. Things that won’t happen by updating: app explodes, gas prices drop, Kim and Kanye get back together. We’ll see what we can do about those gas prices though.


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