Chime is a banking app that provides financial technology services to help you keep your money safe and under control. It offers security features, overdraft up to $200 fee-free, direct deposit, and a Visa debit card. Chime is trusted by millions of users, and it is not a bank but partners with The Bancorp Bank or Stride Bank, N.A. to provide banking services.
Features
Security features: Stay in control of your money with instant transaction and daily balance alerts. Enable two-factor authentication and block your card in a single tap.
Overdraft up to $200 fee-free: Eligible members on Chime can overdraft up to $200 on debit card purchases and ATM withdrawals fee-free.
No monthly fees: Chime has no monthly maintenance fees, minimum balance fees, or foreign transaction fees. Plus, access 60k+ fee-free ATMs.
Early direct deposit: Get paid up to two days early with direct deposit, earlier than you would with some traditional banks.
Credit Builder: Use Credit Builder to increase your FICO® Score by an average of 30 points with regular on-time payments. No interest, no annual fees, no credit check to apply.
Send money with no transfer fees: Send money to friends, family, or roommates as fast as a text with no transfer fees.
Usage Tips
Set up transaction and balance alerts to keep track of your account activity.
Take advantage of the fee-free overdraft feature if you need a little extra cash.
Use the Chime Visa debit card for fee-free purchases and access to fee-free ATMs.
Sign up for direct deposit to receive your paycheck up to two days early.
Consider using Credit Builder to improve your credit score over time.
Send money to others easily with Chime's no-fee transfer feature.
