Chime community members

75% of Americans make under $100,000 a year1

75%
But our financial system isn’t designed to help them.

We’re here to fix that.

At Chime, our mission is to unite everyday people to Unlock Financial Progress®. Since our founding, we’ve never charged overdraft or minimum balance fees. Instead, we’ve built products and services that help everyday Americans build credit history, access liquidity, and move forward.

What people are saying about Chime
#1 Most Loved Banking App2
#1 Choice for Everyday Banking3
Named one of NerdWallet’s Best Free Checking Accounts of 2024 and Best Banks for Overdrafts 20254
#1 Best Banking Brand in America5

We create products and services our members need—and that raise the bar for consumer-friendly banking.

In addition to basic banking, Chime products help members build credit history and access low-cost liquidity.
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All of our products are designed to support our members’ needs and help them make real, tangible financial progress.

Spending
Chime Visa® Debit Card
Fee-free ATMs6
Free cash deposits7
Short-Term Liquidity
SpotMe8  free overdraft coverage
MyPay9 early access to pay
Instant Loans10
Get paid up to 2 days early11 with direct deposit
Building Credit
Secured Chime Visa® Credit Card12
FICO® score13 tracking in app
Add bills to Experian Boost14
Savings
High-Yield Savings Account15
Round Ups16
Split-your-pay17 automatic savings
Exclusive Chime Deals18
Rewards
Chime Prime19
3.75% savings annual percentage yield (APY)20
5% cash back21
Exclusive Chime Deals18
Exclusive travel perks, rewards, and experiences
Chime Plus
3.00% savings APY22
2% cash back1
Exclusive Chime Deals18
Tax-Time Filing
Free tax filing
Enroll in Trump Accounts
Chime Member Perks
Fee-free Pay Anyone
SpotMe Monthly Boosts23
Referral bonuses
Support & Safety
24/7 human help
Passwordless login

We also bring financial
wellness directly to the workplace.

With Chime Workplace™, employers can offer the full suite of Chime’s financial tools in a no-cost enterprise solution. Employees can access their pay sooner, build credit, grow their savings, and work toward 
their long-term financial goals.

Chime Workplace offers employees:
Instant access to their earned wages for free through the Chime checking account, early pay,11 and fee-free overdraft coverage8
Help building lasting savings 
with automation and high-
yield savings accounts15
Financial wellness tools for financial education, 
credit-building support, 
and more

Our business model is different from traditional banks.

Some traditional banks pass their costs on to customers through fees—making everyday banking more expensive.

We've rethought this model to deliver a more customer-aligned approach. Built on our vertically integrated, cloud-native technology platform—which reduces reliance on legacy vendors through 
in-house payments, ledger, and data capabilities—our payments-driven model is designed to profit 
with members, not from them.

Through our bank partnerships, we deliver low-cost, consumer-friendly products that address critical financial needs of everyday consumers.

Chime generates revenue through interchange-based fees, which are the small fees paid by retailers—
not consumers—whenever members use their Chime-branded debit and credit cards to pay for everyday goods and services.

Traditional bank model
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Primarily a lending business, relying on fees 
to offset high costs to serve
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Able to provide low-cost banking services to top customers
Chime bank partnership model
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A fintech-bank partnership, collecting payments revenue when members swipe their Chime card
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Together with its bank partners, Chime is able 
to provide core banking to everyday Americans with 
no mandatory account fees

But our bank partnerships make us just as secure in how we operate.

We partner with The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC, to provide safe, secure, and innovative banking products and services to our members. Chime products and services are fully regulated and offer important consumer protections, just like products offered by a traditional bank.

Our bank partnership model ensures safety and security for individuals and fosters stability throughout the banking system.
Member accounts
Every Chime member opens a deposit account with one of our partner banks, The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, and their funds are reconciled daily. Each Chime member’s deposits are FDIC insured up to $250,000 per depositor through those partner banks.25
Direct relationship with
partner banks
We work in close partnership with our issuing banks, helping to design and operate products within a strong, bank-led regulatory framework. While partner banks hold and safeguard all member deposits, Chime plays an active role in supporting compliance, monitoring, and operational controls.
Bank-grade security
Adhering to banking-industry security standards, we work hard to protect member information by using encryption. We also offer 24/7 human help on customer service issues.
Subject to state and federal regulations
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Eligible for FDIC insurance up to applicable limits24
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Held at a chartered bank
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Subject to Know Your Customer requirements
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Deposits at an FDIC-insured traditional bank
Deposits through Chime
Deposits through Chime vs. an FDIC-insured traditional bank

We serve 9.5 million Americans across all 50 states.

Chime members come from cities, suburbs, and exurban 
and rural areas, spanning all 50 states, every generation and
all walks of life, but they share many financial goals and needs.

We serve millions of Americans across all 50 states.

Chime members come from cities, suburbs, and exurban and rural areas, spanning all 50 states, every generation and all walks of life, but they share many financial goals and needs.

150K+ members
Our members:
90%
were unhappily banked before joining Chime
97%
say Chime helped with at least one aspect of financial progress 3
81%
say we’ve helped at least one part of their financial situation3
75%
say they see themselves as lifelong Chime members3
Top employers:
healthcare, retail, restaurants
Average age:
36
Financial goals
Seek financial control
Access to liquidity
Build credit
Save for the future

We serve millions of Americans across all 50 states.

Chime members come from cities, suburbs, and exurban and rural areas, spanning all 50 states, every generation and all walks of life, but they share many financial goals and needs.

Heart icon
Member testimonials
Star icon
Chime Changemakers
Apple Icon
Chime Scholars
Bank icon
Banking Partners
Real Members. Paid testimonials.

Many of our products are the first of their kind—and have helped push our industry in a more consumer-friendly direction.

First to
launch fee-free checking and savings
First to
deliver pay
two days early
First to
offer free overdraft protection, with up to $200 in coverage
First to
provide access to paychecks at any point in the pay cycle

Over time, we’ve helped our members manage their spending, save more, and strengthen their finances.

Our members have…
reported Chime helping with financial progress
91%
of members25
saved on overdraft fees:
$100B
to date26
put away savings totaling
$31B
in 2025
worked to raise their credit up to
+70
points27

But great products are just the beginning.

To realize our mission, we also invest heavily in the places where we live and work. And while we’re proud of our progress to date, the truth is we’re just getting started.

10 million
We’ve committed to bringing financial education to 10 million Americans by 2027—both in our app and in real life
1%
We’ve pledged 1% of our equity to the Chime Scholars Foundation, helping nontraditional scholars pursue higher education
We invest generously in local nonprofit leaders and entrepreneurs who are driving change on the ground

Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank N.A., Members FDIC.
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Instant Loans provided by The Bancorp Bank, N.A. and serviced by Chime Capital, LLC (NMLS ID 2316451). Maximum 35.99% APR (annual percentage rate). Eligibility and loan amounts vary based on deposit activity, risk-based criteria, and your use of other Chime products. Instant Loans are only available to eligible Chime members in certain states. Loan offers will be provided by email and in the mobile app.
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MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS ID 2316451).
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These tax filing offers are not endorsed or offered by our partners, The Bancorp Bank, N.A. or Stride Bank, N.A.
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Tax e-file services provided by April Tax Solutions Inc. (“april”).
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SpotMe, Chime Deals and MyPay are registered trademarks of Chime Financial, Inc.  Chime Prime is a trademark of Chime Financial, Inc.
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Third-party trademarks referenced for informational purposes only; no endorsements implied.
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  1. U.S. Census Bureau, Current Population Survey, 2024 Annual Social and Economic Supplement (CPS ASEC).
  1. Chime is recommended by more of its users in the 2024 Qualtrics® NPS study when compared to top national banks and select fintechs. THE #1 MOST LOVED BANKING APP is a Registered Trademark of Chime Financial, Inc.
  1. Account opening data based on a JD Power survey conducted between August and September 2025. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
  1. NerdWallet, 2024 Checking and 2025 Overdrafts. Affiliate partner.
  1. Based on a 2025 ranking published by TIME. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
  1. Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network.
  1. Once the retailer accepts your cash, the funds will be transferred to your Chime account. You may use your barcode, debit card, or Chime Card to deposit cash. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade. Cash deposits using a barcode or debit card are deposited to your Checking Account. If you have the Chime Card, those funds will be automatically swept to your Chime Card Secured Deposit Account. Cash deposits using your Chime Card first go to your Chime Card Account, then transferred to your Chime Card Secured Deposit Account. Cash deposits are not payment for any Chime Card balance due.
  1. SpotMe® on Credit is an optional, no-interest/no-fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “SpotMe”). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month. 
    Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH, Pay Anyone, or Chime Checkbook transactions. SpotMe terms and conditions.
  1. To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20–$500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.
  1. Instant Loans are made by The Bancorp Bank, N.A.. 345 N Reid Pl., Suite 700, Sioux Falls, SD 57103.
  1. 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.
  1. To apply for a Chime Card, you must also open a Chime Checking Account.   
  1. Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8 or another type of credit score altogether. Learn more. 
  1. Results will vary. Not all payments are boost-eligible. Some users may not receive an improved score or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®. Learn more. 
  1. Chime Checking Account is required to be eligible for a Savings Account.
  1. Round Ups automatically round up debit card and credit card purchases to the nearest dollar and transfers the round up into your savings account. You can also automatically transfer part of your direct deposits of $1 or more from your Checking Account into your selected Chime account(s). 
  1. You can automatically transfer part of your direct deposits of $1 or more from your Checking Account into your selected Chime account(s).
  1. Eligibility requirements and limits apply. See Chime Deals® Terms and Conditions.
  1. To be eligible for Chime Prime status, receive $3,000+ in qualifying direct deposits to your Chime Checking Account in the past 34 days. To be eligible for Chime Plus status, receive either 1) a single $200+ qualifying direct deposit; or 2) $400+ in cumulative qualifying direct deposits to your Chime Checking Account in the preceding 34 days. Certain products marketed as perks have additional eligibility requirements. While some perks may have associated fees, none of these fees are mandatory to access the perks or to maintain the applicable status. See the Chime Membership Tiers Terms and Conditions for details.
  1. The annual percentage yields (“APYs”) for the Chime Savings Account are variable and may change at any time. The disclosed APY rates are effective as of 01/29/2026. No minimum balance required. Must have $0.01 in savings to earn interest. The following APY rates apply based upon your status: 3.75% APY for Chime Prime, 3.00% APY for Chime Plus, and 0.75% APY for standard. See Chime Membership Tiers Terms and Conditions for more details.
  1. Earn 5% cash back with Chime Prime or 2% with Chime Plus on eligible Chime Card purchases. Terms and limits apply.
  1. The disclosed annual percentage yield (APY) is available only while you maintain Chime Plus status, otherwise the standard 0.75% APY for non-Chime Plus will apply. The APYs for the Chime Savings Account are effective as of 04/03/2026 and are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Plus Terms and Conditions for more details.
  1. SpotMe® Boost is an optional, no-fee service feature of SpotMe. Boosts are available to eligible Chime members enrolled in SpotMe and are subject to limits. See SpotMe Terms and Conditions.
  1. Chime is not FDIC insured. The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. FDIC deposit insurance limit is $250,000 per depositor, per insured bank, per ownership category. 
  1. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. 3,000 active Chime members surveyed – February 2025. 
  1. Based on average overdraft fee by bankrate.com multiplied by number of SpotMe transactions as of January 2026.
  2. Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Chime Card, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.
Benefits
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Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Please see the back of your Card for its issuing bank.

Chime Checkbook: While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

Third-party trademarks referenced for informational purposes only; no endorsements implied.

Address: 101 California Street, Floor 5, San Francisco, CA 94111, United States.

No customer support available at HQ. Customer support details available on the website.

© 2013-2024 Chime Financial, Inc. All rights reserved.

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Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
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