Chime is revolutionizing the way people think about banking. As a leading financial technology company, Chime is not a traditional bank. Instead, it partners with established banks like The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC, to provide seamless and user-friendly banking services. The Chime® Visa® Debit Card and the secured Chime Credit Builder Visa® Credit Card are issued by these partner banks, offering you the robust security and widespread acceptance of Visa.
Alt text: A person comfortably using the Chime mobile banking app on their smartphone, illustrating the ease of mobile banking with Chime.
Safe, Secure, and Always in Control
With Chime Bank, security is paramount. You’re equipped with instant transaction alerts and daily balance updates, ensuring you’re always aware of your account activity. Enhance your security further with two-factor authentication and the ability to instantly block your card with a single tap if needed. Chime puts you firmly in control of your finances, providing peace of mind in today’s fast-paced world.
Access Your Paycheck Sooner with MyPay™
Imagine getting paid when you need it. With Chime’s MyPay™ feature, you can access up to $500^ of your paycheck ahead of your payday. There are no credit checks, no interest charges~, and no mandatory fees. You can receive your funds within 24 hours for free, or instantly for a small $2 fee per advance. MyPay offers a flexible and responsible way to manage your cash flow, giving you greater control over your earnings.
Alt text: A happy Chime user smiles as they receive an early paycheck notification on their phone, highlighting the benefit of accessing funds sooner with Chime MyPay.
Say Goodbye to Overdraft Fees with SpotMe®
Avoid those frustrating overdraft fees with Chime’s SpotMe® feature. Eligible Chime members can overdraft up to $200* on debit card purchases and in-network ATM withdrawals without incurring any fees. When your balance is running low, SpotMe acts as a safety net, preventing unexpected charges and keeping your finances on track.
No Monthly Fees: Banking That’s Actually Free
“Your Money Shouldn’t Cost Money.TM” This is Chime’s core philosophy. Unlike traditional banks, Chime charges no monthly fees, no minimum balance fees, and no foreign transaction fees. Furthermore, you can access over 50,000 fee-free‡ ATMs at convenient locations like Walgreens, 7-Eleven, and CVS, making managing your money affordable and accessible.
Alt text: A Chime cardholder conveniently withdrawing cash from a fee-free ATM, showcasing the accessibility and cost-effectiveness of Chime’s ATM network.
Build Your Credit with Credit Builder
Building or improving your credit score is now more accessible with the secured Chime Credit Builder Visa® Credit Card¹. Users who make regular, on-time payments with the Credit Builder card have increased their FICO® Score by an average of 30 points². There’s no interest**, no annual fees, and no credit check required to apply, making it a straightforward and responsible tool for credit improvement.
Send Money Instantly with Fee-Free Transfers
Transferring money to friends, family, or roommates is seamless and free with Chime. Send money as quickly as sending a text message, with no transfer fees. Chime simplifies peer-to-peer payments, making it easy to split bills, send gifts, or lend money without any added costs.
Alt text: A group of friends splitting a restaurant bill using the Chime app’s send money feature on their smartphones, emphasizing the ease of fee-free money transfers.
Chime Bank is more than just a banking app; it’s a financial partner designed to empower you. With its focus on user-friendly features, fee-free services, and financial wellness tools, Chime is changing the landscape of modern banking.
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Legal Disclaimers (as in original text – to maintain accuracy)
MyPay™ line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A.
^MyPay is a line of credit. Available limits estimated are based on income and risk-based criteria and range between $20 – $500 per pay period. Chime Checking Account and qualifying direct deposits required to be eligible for MyPay. MyPay is currently only available in certain states. Terms and conditions apply, see www.chime.com/mypay for details.
~Option to get funds instantly for $2 per advance or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details to www.chime.com/policies.
+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.
*SpotMe® on Debit eligibility requirements apply. Overdraft with debit card only applies to debit card purchases and cash withdrawals. Limits start at $20 and may be increased up to $200.
‡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.
¹Chime Checking Account and $200 qualifying direct deposit required to apply for the secured Chime Credit Builder Visa® Credit Card.
²Avg 30 point FICO® Score 8 increase over time with regular on-time payments. Results may vary, see Chime.com/disclosures for details.
**Out of network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreement for details; see back of card for issuer
Address: 101 California Street, Suite 500, San Francisco, CA 94111, United States.No customer support available at HQ. Customer support details available on the website.
