Business Profile
Chime provides fee-free online banking with overdraft up to $200 and tools to build credit.
US-based consumers seeking fee-free digital banking, early access to paychecks, and credit-building tools through a mobile-first fintech.
Banking services provided by partner banks (The Bancorp Bank, N.A. and Stride Bank, N.A.) with FDIC-insured deposits, combined with fee-free overdraft (SpotMe), a large network of fee-free ATMs, no credit check, and integrated credit-building through secured cards and direct deposit-based benefits.
Account opening stated to be completed in about 2 minutes; early direct deposit can provide access to pay up to 2 days earlier; direct deposit eligibility requirements apply for certain benefits (e.g., SpotMe, MyPay, Chime+).
First purchase with Credit Builder between June 2022 and October 2022 led to an average FICO score increase of 30 points after about 8 months.
A fintech offering a Checking Account, Savings Account, debit card, and optional secured credit card through partner banks, aimed at providing fee-free online banking, early direct deposit, and credit-building capabilities.
US residents seeking accessible, low-fee digital banking with credit-building tools and flexible spending features.
Chime combines a no-fee banking experience with broad accessibility (app-based), overdraft relief (SpotMe), extensive fee-free ATM and cash deposit options, and credit-building via secured cards, all backed by FDIC-insured partner banks and no credit check to open an account.
Must be at least 18 years old, a resident of the United States, and provide a valid Social Security number; deposits are FDIC-insured through the partner banks (The Bancorp Bank, N.A. or Stride Bank, N.A.); operates via the Chime mobile app and online platform.
No monthly service fees for the basic Checking Account; fee-free overdraft up to $200 (SpotMe); some fees apply for out-of-network ATM withdrawals, instant transfers, cash deposits outside Walgreens or fee-based retailer deposits, and other optional services; Chime+ may offer additional benefits free with qualifying direct deposits, otherwise has associated terms and conditions.
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