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Chime is a safe and secure online banking solution trusted by millions. Cutting-edge digital finance tools help to make the service accessibile and user-friendly for all, setting it apart from traditional banks as a noteworthy choice for your online banking needs.
Take advantage of no monthly fees and automatic savings tools. The financial technology company delivers a top-rated mobile app and extensive banking services, including mobile check deposit,¹ rapid money transfers,² card control, instant transaction alerts, and many more digital offerings.
Visit Chime ➜Chime, Member FDIC.
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With a focus on essentials and early direct deposit, Chime continues to be a leading partner for modern, online banking needs. The service's convenience, accessibility, and security deliver a seamless banking experience for its users. Its highly rated app is a simple and fast way to manage finances, with over 1,000,000 five-star reviews on Google Play and the Apple App Store.
With Chime, you can get paid up to two days early with direct deposit,⁶ providing faster access to your funds. The convenient SpotMe® feature allows eligible members to overdraft up to $200.⁷ Additionally, Chime has no monthly/annual maintenance fees, no transfer fees, no minimum balance fees, and no foreign transaction fees, making it an affordable banking option for many.
Our site is regularly updated with new rates.
For the latest info, click here to visit Chime's site.
Chime is a stellar choice for a streamlined, mobile-centric banking experience with no monthly or maintenance fees. The debit card provider is known for its user-friendly digital banking services and top-tier financial app.
Visit Chime ➜Chime, Member FDIC.
Chime reserves the right to change rates, fees, and other pricing. For the most up-to-date information and to explore Chime's products, please click the button above to visit their site.
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Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.
1 Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member's direct deposit enrollment status.
2 Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.
3Round Ups automatically round up debit card purchases to the nearest dollar and transfers the round up from your Chime Checking Account into your savings account. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your Savings Account.
4 Chime Checking Account is required to be eligible for a Savings Account.
5 The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.
6 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.
7 SpotMe on debit is an optional service that provides fee-free overdraft if a member meets certain qualifi cation criteria. Chime SpotMe enables members to draw their Chime Checking Account negative for debit card transactions, ATM withdrawals, cash back transactions or “over the counter” or OTC withdrawals (“Qualifying Transactions”) up to a specifi ed amount (the “Limit”). This Limit is determined by Chime in its sole discretion based on the history of any Chime-branded accounts you have, direct deposit history and direct deposit amounts, spending activity and other risk-based factors. SpotMe on debit is not a credit product, cash advance, a loan, or overdraft protection. Comparing SpotMe to any of these other products is not accurate and would diminish integrity of the product's structure. SpotMe on debit is not a credit product, cash advance, a loan, or overdraft protection. Comparing SpotMe to any of these other products is not accurate and would diminish integrity of the product's structure. SpotMe® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Card Account. To qualify for the SpotMe on Chime Card service, you must receive $200 or more in qualifying direct deposits to your Chime® Checking Account each month and have activated your physical secured Chime Visa® Credit Card or Chime Visa® Debit Card. Qualifying members will be allowed to overdraw their Secured Deposit Account up to $20, but may later be eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Chime Card Limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s or its banking partners’ discretion. Although Chime does not charge any overdraft fees for SpotMe on Chime Card, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe on Chime Card won’t cover non-card transactions. SpotMe on Debit Terms and Conditions.
8 Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
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