America’s #1 Choice for Banking
Fee-Free Banking
- Fee-free banking with no minimum balance.
- 47K fee-free ATMs.
- Overdraft up to $200 fee-free.
5% Cash Back
Grow Credit
Easy Savings
Early Payday
24/7 Support
The most rewarding way to bank.
Unlock Chime Prime with qualifying direct deposits and get 5% cash back, 3.75% APY on Savings, and grow your credit up to 70 pts.
Safeguard your money
- FDIC Insured via Partner Banks
- Backed by Visa’s Zero Liability Policy
- Protection against fraudulent charges
Hear from our members
“The best bank I have ever had. The customer service is pretty good, they usually get in touch in a timely manner. I lost my debit card, and they sent a new card within a few days.”
“I love this banking app! No fees for overdraft, I get paid 2 days earlier. If I could give it more than 5 stars, I would.”
“Awesome Spot Me that lets you overdraft without the worry of any hidden fees. My credit score went from a 610 to 755 in a year.”
Open a Chime checking account in minutes.
FAQs
Is Chime an online bank?
Chime is not a bank, but a financial technology company.
How do you open an account online through Chime?
Apply in minutes on chime.com or download the Chime mobile app.
You must be at least 18 years old, and you’ll need your Social Security number, email address, and a valid U.S. address.
How do I deposit money into my Chime account?
When you sign up for Chime, you can easily move money into your account online.
Are Chime Account Deposits FDIC insured?
Your funds are insured up to the standard maximum deposit insurance amount of up to $250,000 through our partner banks, Stride Bank, N.A. or The Bancorp Bank, N.A., Members FDIC.