Chime Check Deposit

Banking Services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa ® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. And may be used everywhere Visa debit cards are accepted. Please see back of your Card for its issuing bank. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices. ¹ 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.

Banking made awesome

Welcome to better online banking through Chime. No hidden fees¹. Get paid up to 2 days early with direct deposit.² Grow your savings, automatically. Experience the ease and simplicity of online banking.

Learn how we collect and use your information by visiting our Privacy Policy›

Finally, a banking app built by a tech company

• Track your account balances, daily transactions, and savings from anywhere with the Chime mobile app.
• Turn on balance notifications and instant transaction alerts any time you use your Chime Visa® Debit Card.
• Send money instantly to friends using Pay Friends on our mobile banking app.

An Award-winning Mobile Banking App

Chime’s mobile banking app enables you to manage all of your online banking on the go. With over 135,000+ five star reviews in app stores, our mobile app has everything you need with a simple, intuitive design.

Get Paid Up to 2 Days Early with Direct Deposit²

Tired of waiting for your direct deposit? Open a Chime Spending Account, set up Direct Deposit and you’re automatically eligible to receive your paycheck up to two days early.²

Stop waiting and start getting paid early with direct deposit²

• Get a notification as soon as your direct deposit is posted into your Spending Account.
• Never worry about paychecks getting lost in the mail.
• No more waiting for your money while it sits in mysterious electronic limbo.
• Have up to 2 more days to get ahead of your bills.

No Hidden Fees¹

Hidden fees are sneaky. We are not. That’s why Chime offers online banking with no monthly fees or open deposit required. Apply is free for our online bank account. There’s no opening deposit or minimum balance required, no international transaction fees, and if you lose your debit card, the new ones on us.

Say goodbye to unnecessary bank fees

• No monthly fees. No deposit required.
• No minimum balance requirements.
• No foreign transaction fees.
• 38,000+ fee-free MoneyPass® and Visa® Plus Alliance ATMs.

Grow Your Savings Automatically

Saving money has never been so simple. We provide automation tools that help you grow your savings without thinking about it. Chime’s Automatic Savings is an optional Savings Account with several features that allow you to automate your savings plan and achieve your goals faster.

Save money while you spend. Save when you get paid

• Save When You Spend: We round up every Chime Visa® Debit Card transaction to the nearest dollar and transfer the Round Up from your Spending Account to your Savings Account.
• Save When You Get Paid: Automatically transfer 10% of every paycheck $500 or more directly into your Savings Account when you set up Direct Deposit.

Banking Security and Control

At Chime, information security is a top priority. Deposits are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC. And we work hard to protect your information, such as by using encryption and other measures to help safeguard your money and data.

Your money is safe with Chime

• Deposits are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank N.A.; Members FDIC.
• Shop worry-free at millions of merchants. Chime debit cards are protected by the Visa Zero Liability** Policy to ensure that cardholders will not be responsible for unauthorized charges.
• We support two-factor authentication and support fingerprint authentication.

How to Open a Bank Account Online
through Chime

To open a bank account online, there are a few basic requirements. Here are three things you’ll need to start opening your account:

1. Social Security number
2. Valid home address
3. 18+ U.S. Citizen or resident of 50 United States

Where To Load Chime Card

Skip the branches, lines, and paperwork that some more traditional banks require to open a checking account and apply for a new bank account online. Chime makes the process of opening a bank account online easy. Here’s how to get started:

• Visit member.chime.com/enroll/ and enter your personal info and complete the enrollment form. Opening an online banking account with Chime takes less than 2 minutes.
• Once enrollment is completed*, we’ll send a Chime Visa® Debit Card in the mail to the address you provided. Your new debit card typically arrives in 7-10 business days.
• Download our mobile banking app, and log in. You can connect your existing bank account to transfer funds or set up direct deposit You can also login to online banking at chime.com when you need it.

Applying for a Chime Spending Account online is free with no opening deposit required.

Chime requires no credit check to open an account and provides online banking services that are inclusive of all Americans. This includes those who struggle with bad credit history but are still looking for checking or savings accounts they can open online with no opening deposit. Chime offers a Spending Account that provides a second chance to rebuild your financial health because it doesn’t rely on consumer credit reporting agencies like ChexSystems. See how Chime compares to other second chance bank accounts

Learn how we collect and use your information by visiting our Privacy Policy›

Fee-free overdraft up to $100.¹ Get paid up to 2 days early with direct deposit.² Grow your savings.

Learn how we collect and use your information by visiting our Privacy Policy›

Overdraft fee-free with SpotMe

We’ll spot you up to $100 on debit card purchases with no overdraft fees. Eligibility requirements apply.^¹

Get paid early

Set up direct deposit and get your paycheck up to 2 days earlier than some of your co-workers!^²

Say goodbye to hidden fees³

No overdraft. No minimum balance. No monthly fees. No foreign transaction fees. 38,000+ fee-free MoneyPass^® and Visa Plus Alliance ATMs. Out-of-network fees apply.

Make your money grow fast

0.50% Annual Percentage Yield (APY)⁴. Set money aside with Automatic Savings features. And never pay a fee on your Savings Account.

Stay in control with alerts

You’re always in-the-know with daily balance notifications and transaction alerts

Security & support you can trust

Serious security

Chime uses secure processes to protect your information and help prevent unauthorized use

Privacy and protection

Your deposits are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank N.A.; Members FDIC

Friendly support

Have questions? Send a message to our Member Services team in the app or check out the Help Center.

Get started

Chime Mobile Check Deposit Faq

Applying for an account is free and takes less than 2 minutes.
It won’t affect your credit score!

How To Add Money To Chime Card

Chime Check Deposit Not Working

Learn how we collect and use your information by visiting our Privacy Policy›