Join the Millions | Chime
Join the millions banking through Chime:
✓ Get fee-free overdraft up to $100*
✓ Say goodbye to hidden bank fees‡
✓ Get your paycheck up to 2 days early^ with direct deposit
✓ Grow your savings instantly with purchase round-ups and an optional High Yield Savings Account (get up to 0.50% Annual Percentage Yield‣)
✓ 350,000+ five-star reviews in the App Store and Google Play
Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank, or Stride Bank, N.A., Members FDIC.
‡Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply.
*SpotMe won't cover non-debit card purchases, including ATM withdrawals, ACH Transfers, Pay Friends transfers, or Chime Checkbook transactions. Chime SpotMe is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher limit of up to $100 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. For more information, visit: https://www.chime.com/policies/bancorp/spotme_terms.
^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.
‣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 December 9, 2020. No minimum balance required. Must have $0.01 in savings to earn interest.
