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Chime Spending Account and Visa® Debit Card
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Chime Spending Account and Visa® Debit Card

Chime is a new award-winning mobile banking app designed to help people lead healthier financial lives and automate their savings. With Chime, you get a Chime Visa® Debit Card and an FDIC insured deposit account that can be managed entirely from your smartphone, plus a Savings Account that helps you save money without thinking about it.

  • Your deposits are insured up to $250,000 through The Bancorp Bank or Stride Bank; Member FDIC.
  • Visa's Zero-Liability Policy protects all unauthorized purchases.♦
  • Over 38,000 fee-free ATMs and 30,000 cash-back locations.
  • Real-time alerts for every banking transaction.
  • Automatic Savings takes the effort out of saving.
  • No minimum, monthly, or overdraft fees.˜


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Annual Fee BT Intro APR Purchase Intro APR Regular APR
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Our Opinion

The Chime Visa Debit card is a great way to get paid faster than traditional banks allow, while earning interest on your balance. With Visa's Zero-Liability Policy*, no fees*, and a FDIC insured account, it's tough to compare this offer to leading bank accounts. Here is our take:

Chime is more than your average, run of the mill online banking service. It's a technologically advanced financial platform that puts its users first.

Here's Chime's mission:

Chime's business was built on the principle of protecting our members and making managing your money easy.

As you learn more about Chime, including its many features, you may come to find that it's the perfect solution to many of your biggest financial challenges.

How Much Does Chime Cost?

Traditional banks will hit you with one fee after the next, thus costing you money when all you're doing is trying to save.

Chime takes an entirely different approach, as they don't charge you, the user, any money. Not a single cent.

Instead, every time you use your Chime debit card, Chime earns a small interchange fee. The money never comes out of your pocket.

Key Features

Chime is packed full of high-level features, all of which are designed to make your life easier. Here are some of the best:

1. Get Paid Early

If you want to get your paycheck sooner than ever before, Chime has you covered.

With its Get Paid Early feature, you can receive your paycheck via direct deposit up to two ^ days sooner than usual.

Stop waiting for your money to arrive in your bank account. Chime can save you time.

2. Fee-Free Overdraft

There's nothing more frustrating than learning that you've overdrawn on your bank account. Not only does it mean you have a zero balance, but you also owe the bank money. And on top of that, you're likely to get hit with a fee.

Unless you're banking with Chime, of course.

With its fee-free overdraft feature, known as SpotMe, Chime will lend you up to $100* on debit card purchases with no overdraft fees*.

If you use this feature, Chime will do all the work for you. The next time you make a deposit, Chime will automatically deduct the money you owe. It's that simple.

3. Automatic Savings

For many people, the most difficult part of saving money is putting it in a safe place. And that's why Chime's automatic savings feature is such a big hit.

Every time you use your Chime Visa debit card, Chime will round up your transaction amount to the nearest dollar. From there, your savings are transferred into your savings account.

So, the more you use your debit card, the more you'll save. And best yet, you'll never even realize the money is gone.

Two Types of Accounts

Open one or both. The choice is yours.

Chime: It's Just What You Need

If you're looking for a new way to bank, Chime could be the answer. From spending to saving to managing your finances, there are plenty of features to get you excited.

With no cost to you, you have nothing to lose. Compare Chime to your current banking provider, sign up, and see where it takes you!



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1 Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditWeb receives compensation. This compensation may impact how and where products appear on this site, including the order in which they appear. CreditWeb does not include all credit card companies or all card offers available in the marketplace. Please see the credit card application for details about the offer as well as the terms and conditions.

Editorial Note: Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by The Bancorp Bank.

2 FICO scores/credit scores are used to represent the credit-worthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any credit card product.

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