The Chime Visa® Debit Card with Benefits.
Get $200 when you sign up!*
Chime® offers a Checking Account with no minimum balance fees, no monthly fees, no overdraft fees¹.
Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A., Inc. and may be used everywhere Visa debit cards are accepted.
1SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical Chime Visa® Debit Card or secured Chime Visa® Credit Card.
Qualifying members will be allowed to overdraw their Chime Checking Account up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
*To be eligible for the $200.00 direct deposit promotion (the “Promotion) monetary reward, the participant (“Participant”) must: (1) have never previously opened a Chime Checking Account (“Account”) before participating in this Promotion; (2) obtain a promotional code from one of Chime’s official affiliate partners either via webpage or email; (3) enter the promotional code into the designated field labeled “Promo Code” on the specified promotional webpage and receive a green success notification tag; (4) successfully open an Account; and (5) receive a Qualifying Direct Deposit to their Account within 30 calendar days of opening an Account. A Qualifying Direct Deposit is a deposit of $500 or more by Automated Clearing House (“ACH”) that comes from your employer, payroll provider, gig economy payer, or benefits payer OR a deposit by Original Credit Transaction (OCT) from your gig economy payer. Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a Qualifying Direct Deposit are not Qualifying Direct Deposits. Eligible Participants may only receive this promotional reward once. Participants who satisfy the above conditions will receive a $200.00 credit to their Account typically within ten (10) business days after receiving the Qualifying Direct Deposit. This Promotion will run through December 31, 2026 or as otherwise designated by Chime. Chime reserves the right to amend the Promotion duration and may permit Participants to enter a valid promo code after the listed date. In the event that the Promotion has ended, Participants will receive a “not a valid promo code” message after they enter the applicable promotional code, so that the Participant knows they are not eligible for the monetary reward prior to enrolling in an Account. Chime reserves the right to cancel or modify the Promotion terms or terminate the Participants’s eligibility at any time with or without prior notice. An Account may be available to legal permanent residents of the fifty (50) United States (“U.S.”) or the District of Columbia; who are at least 18 years of age with a valid Social Security number; and who provide Chime with a U.S. residential street address (not a P.O. Box). Credits of $600 or more shall be reported on tax form 1099-MISC. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.