Chime
NeobankPersonalUS digital banking platform with fee-free checking and savings, early direct deposit, and SpotMe overdraft.
Founded 2013
San Francisco, USA
Last verified: 2025-01-15
Account Types
Available account currencies and types
USD (US)
Regulatory & Banking Structure
License types and account delivery model. Learn more
Regulatory Type
Money Services BusinessRegulators
- FinCENUS
Banking Partners
USD (US) Accounts
- Stride Bank(US)— Primary banking partner
- The Bancorp Bank(US)— Additional banking partner
Features
Platform capabilities and services
Virtual Cards
Physical Cards
Crypto Trading
Stock Trading
International Transfers
Multi-Currency
Business Tools
API Access
Mobile App
Web App
Joint Accounts
Savings Accounts
Debit Card
Direct Deposit
Bill Pay
ATM Access
Cashback
Rewards
Availability
Regions and countries where available
Regions
North America
Countries
US
Sources
Information verified from these sources
- Chime Policies(2025-01-15)
- Chime Home(2025-01-15)
Pricing
Free Tier
Monthly Fee0
Transaction FeesFree
FX MarkupN/A
No monthly fees, no minimum balance, no overdraft fees
Compliance
Deposit Insurance
$250,000 FDIC
License Types
PARTNER BANK
Regulatory Bodies
FDIC (via partner banks)
Notes
US only, partners with Stride Bank and Bancorp Bank