Banking made awesome

Banking Services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa ® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. And may be used everywhere Visa debit cards are accepted. Time from sent till received: Instant. As we covered in our guide to adding money to.

Welcome to better online banking through Chime. No hidden fees¹. Get paid up to 2 days early with direct deposit.² Grow your savings, automatically. Experience the ease and simplicity of online banking.

Learn how we collect and use your information by visiting our Privacy Policy›

Finally, a banking app built by a tech company

• Track your account balances, daily transactions, and savings from anywhere with the Chime mobile app.
• Turn on balance notifications and instant transaction alerts any time you use your Chime Visa® Debit Card.
• Send money instantly to friends using Pay Friends on our mobile banking app.

An Award-winning Mobile Banking App

Chime’s mobile banking app enables you to manage all of your online banking on the go. With over 135,000+ five star reviews in app stores, our mobile app has everything you need with a simple, intuitive design.

Get Paid Up to 2 Days Early with Direct Deposit²

Chime Mobile Check Deposit Reddit

Tired of waiting for your direct deposit? Open a Chime Spending Account, set up Direct Deposit and you’re automatically eligible to receive your paycheck up to two days early.²

Stop waiting and start getting paid early with direct deposit²

• Get a notification as soon as your direct deposit is posted into your Spending Account.
• Never worry about paychecks getting lost in the mail.
• No more waiting for your money while it sits in mysterious electronic limbo.
• Have up to 2 more days to get ahead of your bills.

No Hidden Fees¹

Hidden fees are sneaky. We are not. That’s why Chime offers online banking with no monthly fees or open deposit required. Apply is free for our online bank account. There’s no opening deposit or minimum balance required, no international transaction fees, and if you lose your debit card, the new ones on us.

Say goodbye to unnecessary bank fees

• No monthly fees. No deposit required.
• No minimum balance requirements.
• No foreign transaction fees.
• 38,000+ fee-free MoneyPass® and Visa® Plus Alliance ATMs.

Grow Your Savings Automatically

Saving money has never been so simple. We provide automation tools that help you grow your savings without thinking about it. Chime’s Automatic Savings is an optional Savings Account with several features that allow you to automate your savings plan and achieve your goals faster.

Save money while you spend. Save when you get paid

• Save When You Spend: We round up every Chime Visa® Debit Card transaction to the nearest dollar and transfer the Round Up from your Spending Account to your Savings Account.
• Save When You Get Paid: Automatically transfer 10% of every paycheck $500 or more directly into your Savings Account when you set up Direct Deposit.

Banking Security and Control

At Chime, information security is a top priority. Deposits are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC. And we work hard to protect your information, such as by using encryption and other measures to help safeguard your money and data.

Your money is safe with Chime

• Deposits are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank N.A.; Members FDIC.
• Shop worry-free at millions of merchants. Chime debit cards are protected by the Visa Zero Liability** Policy to ensure that cardholders will not be responsible for unauthorized charges.
• We support two-factor authentication and support fingerprint authentication.

How to Open a Bank Account Online
through Chime

To open a bank account online, there are a few basic requirements. Here are three things you’ll need to start opening your account:

1. Social Security number
2. Valid home address
3. 18+ U.S. Citizen or resident of 50 United States

Skip the branches, lines, and paperwork that some more traditional banks require to open a checking account and apply for a new bank account online. Chime makes the process of opening a bank account online easy. Here’s how to get started:

• Visit member.chime.com/enroll/ and enter your personal info and complete the enrollment form. Opening an online banking account with Chime takes less than 2 minutes.
• Once enrollment is completed*, we’ll send a Chime Visa® Debit Card in the mail to the address you provided. Your new debit card typically arrives in 7-10 business days.
• Download our mobile banking app, and log in. You can connect your existing bank account to transfer funds or set up direct deposit You can also login to online banking at chime.com when you need it.

Applying for a Chime Spending Account online is free with no opening deposit required.

Chime requires no credit check to open an account and provides online banking services that are inclusive of all Americans. This includes those who struggle with bad credit history but are still looking for checking or savings accounts they can open online with no opening deposit. Chime offers a Spending Account that provides a second chance to rebuild your financial health because it doesn’t rely on consumer credit reporting agencies like ChexSystems. See how Chime compares to other second chance bank accounts

Learn how we collect and use your information by visiting our Privacy Policy›

Get paid up to 2 days early with direct deposit.¹ Say goodbye to hidden bank fees². Grow your savings, automatically.

Learn how we collect and use your information by visiting our Privacy Policy›

Frequently Asked Questions

The Basics

At Chime, we’ve created a new approach to online banking that doesn’t rely on fees, gets you your paycheck up to 2 days early with direct deposit,¹ and helps you grow your savings automatically. When you open a bank account through Chime, you get a Visa Debit Card® and a Spending Account that can be managed entirely from your smartphone, plus an optional Savings Account that helps you grow your savings automatically! The Chime mobile banking app is available on both Android and iOS.

Chime is a financial technology company. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

Our mission is to make financial peace of mind a reality for everyone. We’re doing that by changing the way people feel about banking. Chime’s business was built on the principle of protecting our members and making managing your money easy. We’ll never profit from your misfortune or mistakes and everything we build is focused on improving our member’s lives.

Unlike traditional banks that may charge consumers fees left, right, and center, Chime makes money from “interchange.” Every time you use your Chime Debit Card, Visa processes the transaction and charges an interchange fee for the service. We get a percentage of that interchange fee every time you use your Chime Debit Card, which means we never have to charge you those unnecessary fees to run our business. It’s a win-win for everyone!

U.S. Citizens 18 years and older are welcome to apply! While Chime cards work all over the world, currently we can only offer accounts to members with a valid SSN, living in the United States and District of Columbia.

Chime Mobile Check Deposit Availability

We don’t believe in unnecessary fees or profiting from our members’ misfortune. We have no fees to sign up, no overdraft, no monthly or service fees, no minimum balance fees, no transaction fees, and no card replacement fees either. We do charge one fee ($2.50) when you get cash from either an over the counter withdrawal, or an out-of-network ATM that is not part of Chime’s fee-free network of 38,000+ ATMs.

Please note that third-party money transfer services used to deposit or withdraw funds to your Chime Spending Account may impose their own fees per transaction.

Yes! Chime’s SpotMe feature lets you make debit card purchases that overdraw your account with no overdraft fees. Limits start at $20 and can be increased up to $100.³ We’ll spot you when you need that little extra cushion to cover an expense. Learn more here!

When you open a Chime Spending Account you get a Chime Debit Card that can be used at any merchant that accepts Visa. Your Chime Debit Card can also be used with mobile-payment providers such as Apple PayTM, Google PayTM or Samsung PayTM. Other features our members love about our Chime Visa Debit Card are instant transaction notifications anytime your card is swiped, the ability to instantly block your card and order a replacement Debit Card all from within the Chime mobile app.

The Chime Credit Builder Visa® Credit Card is our no fee, no interest, secured credit card that helps you build your credit. Unlike traditional credit cards, Credit Builder helps you build credit with no fees and no interest. There’s also no credit check to apply. The money you move into Credit Builder’s secured account is the amount you can spend on the card. Unlike other secured credit cards, that money can be used to pay off your monthly balances. Since Credit Builder doesn’t have a pre-set limit, spending up to the amount you added won’t contribute to a high-utilization record on your credit history. Learn more about how Credit Builder works.

After you open a Spending Account, we get started on personalizing your new Chime Visa Debit Card. Your Chime Visa Debit Card is usually placed in the mail within one (1) business day after you open your Spending Account. It can take 5 to 10 business days for your Chime Visa Debit Card to arrive at your home address.

If you don’t have your Chime Visa Debit Card within 10 business days after opening your Spending Account, please contact our Member Services team at: support@chime.com

Getting Started

Direct deposit is the easiest way to add funds to your account. Enrolling in direct deposit with Chime has an added benefit too: you are automatically eligible to receive your paycheck up to 2 days early!**

We also support mobile check deposit and electronic transfers from other institutions by linking an external bank account and in the Chime mobile app.

Cash deposits can also be made to your Chime Account at over 90,000 retail locations such as Walgreens, CVS and 7-Eleven using the Green Dot® Network.

You can use our Pay Friends feature to send money to Chime members instantly, and free! To use the Pay Friends feature, simply log into your Chime mobile app and select the ‘Move Money’ tab, then select ‘Pay Friends’. You will then be prompted to enter in either the receiver’s name, phone number or email, or you can select them from your contacts.

We have a network of 38,000+ fee-free ATMs for Chime members through MoneyPass® or Visa® Plus Alliance. To find a fee-free ATM near you, download the Chime mobile app and tap on ATM map. You can also search our ATM network.

Although fewer checks are being written these days, we understand that some bills like rent, credit cards, student loans, and other payments sometimes require you to pay with a check.

To assist our members in these situations, we offer the Chime Checkbook feature!

Chime will determine if you are eligible for the Mobile Check Deposit feature based on the history of any Chime-branded accounts you have, direct deposit history, and direct deposit amounts and other risk-based factors.

Chime offers mobile check deposit to members who receive payroll direct deposits over $200 a month. Thirty days after you receive your payroll direct deposit, mobile check depositing will be automatically enabled in your Chime app!

You can set up direct debit payments with billers who offer this option by providing your account and routing number to the merchant.

Direct debits are immediately removed from your Spending Account when requested by a biller and do not place any hold on your funds. If your balance is not sufficient to cover the payment, it will be declined. There are no limits or fees associated with direct debits.

We currently offer a referral bonus every time you refer someone new to Chime using your referral link, and they receive a single qualifying direct deposit of $200 or more! Your friend must enroll and complete a single direct deposit of $200.00 or more from their payroll provider within 45 days of opening their new account. If the terms are complete, both you and your friend will get $50 each! You can find the link for inviting everyone you know in your Chime app!

You can also copy-and-paste your invite link and share on Facebook, Instagram, or Twitter.

Chime Mobile Check Deposit Stimulus

Also, keep an eye on Chime on our Instagram, Facebook, Twitter, and Youtube to hear about new offers!

Referral Incentives

Chime Mobile Check Deposit

Occasionally, we’ll offer incentives to invite your friends to join Chime. We’ll notify you through email or in the Chime mobile app when a referral offer is available.

Our Member Services team is always happy to help! You can reach us 24/7 via the customer support tab in the Chime app, or by email at support@chime.com.

Our phone specialists are available through our customer service number at 844-244-6363. Our hours of operations are:

• Monday-Friday: 6am-10pm CST
• Saturday – Sunday: 7am-9pm CST

Chime Mobile Check Deposit Review

Security

Our top priority is protecting our members. We use 128-bit AES encryption, access control, and security processes to ensure your money is always safe with Chime. If you notice an unauthorized transaction, you can disable transactions on your Chime card immediately in the settings section of the Chime app and website to prevent further unauthorized card transactions.

Chime bank accounts are insured up to the standard maximum deposit insurance amount of $250,000 through our partners, The Bancorp Bank or Stride Bank, N.A., Members FDIC.

You can use your Chime Debit Card anywhere Visa cards are accepted, including outside the U.S. and with no foreign transaction fees! International transactions can be enabled or disabled in the settings menu found in the Chime mobile banking app.

If you do not recognize a transaction in your Spending or Savings Account,we ask that you temporarily block your card:

1. Use the Chime mobile app or by log in to your account at www.chime.com.
2. Go to Settings and turn off Chime Card Transactions.
   This feature immediately prevents new purchases and ATM transactions on your Chime Visa Debit Card account.
3. Contact us immediately in one of several ways:

• Call us at 1-844-244-6363
• Use the Chime mobile app to contact our support team
• Email support@chime.com

Chime is a full-featured deposit account. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers through the Automated Clearing House (ACH) Network.

Chime gives you:

• A Chime Visa® Debit Card
• An FDIC-insured deposit account that can be managed entirely from your smartphone
• An optional Savings Account that helps you save money without thinking about it

Chime bank accounts are insured up to the standard maximum deposit insurance amount of $250,000 through our partners, The Bancorp Bank or Stride Bank, N.A., Members FDIC.

You can check out our privacy practices, Account Agreement, and all the legal information pertaining to your account here: Privacy Policies

Chime Mobile Check Deposit How Long

Learn how we collect and use your information by visiting our Privacy Policy›