Fee-Free Banking

A high-powered checking account with fee-free ways to deposit, spend, and get your money, as well as fee-free overdraft, fee-free in-network ATM withdrawals, fee-free in-network cash deposits and more.

Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products. Learn more here.

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Checking built for you.

No monthly fees ever, and simple 2-minute app setup.

Overdraft with no fees.

SpotMe® lets you overdraft fee-free up to $200 on credit, debit and on ATM transactions.

Fee-Free ATMs

47,000+ ATMs. Access in-network ATMs anywhere in the country. Find the closest one in your app.

Pay Anyone

Pay Anyone, instantly. Send money to anyone, regardless of bank, and cash out instantly for free.

Fee-Free Cash Deposits

Deposit cash fee-free. Deposit cash at Walmart, CVS, and more. And for free at Walgreens.

How to open a Chime Checking Account.

  1. Sign up in minutes.

    You’ll need to enter in some basic information in order to verify your identity.

  2. Set up direct deposit

    Get a single, qualifying deposit of $200 or total of $400 per month for Chime Plus or $3,000+ for Chime Prime, to get exclusive rewards and perks.

  3. Access your benefits

    Start enjoying cash back on Chime Card™, higher APY on savings, exclusive benefits, and much more.

Why members love us.

Not only is Chime The #1 Most Loved Banking App®, but we’ve made a real and lasting impact on our members’ lives.

  • 4 out of 5 Chime members say that we've helped improve their overall financial situation.
  • More ATMs than the top 3 national banks combined.
  • $32 billion in fee-free overdraft covered through SpotMe.
  • Chime is recommended by more of its users than any other financial brands.

Unlock 5% cash back with Chime Card™ with qualifying direct deposits.

Spend smarter every day when you bank fee-free through Chime. Get high-yield savings, payday when you say, plus cash back, safer credit building, and more.

FAQs

What type of cards does Chime offer?

When you open a Chime Checking Account you get a Chime Visa® Debit Card that can be used at any merchant that accepts Visa.

How do you open a bank account online through Chime?

Apply in minutes to start online banking through Chime.

Can I open an online bank account through Chime without a deposit?

Applying for a Chime online Checking Account is completely free. We don’t require an opening deposit to enroll.

Does Chime require a credit check to open a bank account online?

Chime does not require a credit check to open an online bank account.

What banks connect with Chime?

Chime offers banking services through two banking partners: The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC.

How do I deposit money into my Chime account online?

You can easily move money into your account online by linking an external bank account or setting up direct deposit from your employer.

Is Chime really a checking account with no fees?

It is free to apply for a Chime Checking Account.

Will I ever be charged an overdraft fee?

No. If you do not have sufficient funds in your Chime Checking Account or have reached your SpotMe limit, your Chime Visa Debit Card will be declined.

How do I add money to my Chime Account?

You can add money to your Chime Checking Account in several ways, including direct deposit, cash deposits, or mobile check deposit through the app.

Are Chime Checking Account Deposits FDIC insured?

Deposits into the Chime Checking Accounts are insured up to the standard maximum deposit insurance amount of up to $250,000.

Is Chime a real bank?

Chime is not a bank. Chime is a financial technology company that offers banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.