Chime Checking Account

Chime Login - Chime Bank Account Sign In

To open a Chime Checking Account, download the Chime app or visit Chime.com, tap "Get Started," and enter your personal details (Name, SSN, and Address) to verify your identity. To log in, simply open the app or website, click "Log In," and enter your registered email and password.

Fee-Free Banking

Fee-free banking with no minimum balance.

47K fee-free ATMs.

Overdraft up to $200 fee-free.

5% Cash Back

5% cash back with Chime Prime or 2% with Chime Plus for free with direct deposit.

Select a category (gas, utilities, groceries, and more).

Earn on everyday purchases with Chime Card.

Grow Credit

No credit check required with Chime Card.

No interest or annual fees.

Manage, protect, and grow your credit score up to 70 points.

Easy Savings

Up to 3.75% APY on your savings account.

Auto savings.

Goal tracking.

Early Payday

Access up to $500 of your pay when you say.

Get your paycheck up to two days early with direct deposit.

No mandatory fees and no interest.

24/7 Support

Real time alerts.

Talk to a real human 24/7.

Protected by Visa‘s Zero Liability Policy.

How to Create a Chime Checking Account

Chime makes opening an account fast and entirely online. You do not need to visit a physical branch.

Follow these exact steps to open your account:

Visit the Platform: Go to the official Chime website (chime.com) or download the Chime mobile app from the Apple App Store or Google Play Store.
Start the Application: Click or tap the "Get Started" or "Apply Now" button on the home screen.
Enter Basic Details: Provide your First and Last Name as it appears on your legal ID.
Set Up Credentials: Enter a valid email address and create a strong, secure password.
Verify Your Identity: Federal law requires all financial institutions to verify customer identities. You will need to provide:
- Your physical home address (P.O. Boxes are not accepted for account creation).
- Your Date of Birth.
- Your Social Security Number (SSN).
Submit: Review your information and click "Submit." Approval is usually instant.

Note: Once approved, Chime will automatically mail your physical Visa® Debit Card to the address provided. It typically arrives within 7 to 10 business days.

Chime Login: How to Access Your Account

Once your account is active, accessing your dashboard is simple.

Logging in via the Mobile App

Open the Chime app on your smartphone.
Tap "Log In" at the bottom of the screen.
Enter the email address associated with your account.
Enter your password.
(Optional) Set up biometric login (Face ID or Fingerprint) for faster access in the future.

Logging in via a Web Browser

Go to Chime.com.
Click the "Log In" button located in the top right corner of the page.
Input your registered email address and password.
Complete any Two-Factor Authentication (2FA) prompt sent to your mobile device.

What if you forget your password?

On the login screen, click the "Forgot Password?" link.
Enter your email address.
Chime will email you a secure link to reset your password and regain access.

What is Chime?

Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Chime is designed to make managing money easier with a mobile-first approach.

Key Benefits of a Chime Checking Account

No Hidden Fees: Zero monthly maintenance fees, no minimum balance requirements, and no foreign transaction fees.
Fee-Free Overdraft: SpotMe® allows eligible members to overdraw their accounts up to $200 without incurring overdraft fees.
Early Direct Deposit: Get your paycheck up to two days earlier than traditional banks.
Large ATM Network: Access to over 60,000 fee-free ATMs at popular retailers like Walgreens, CVS, and 7-Eleven.
Credit Building: Option to apply for the Chime Credit Builder Secured Visa® Credit Card to help build your credit score safely.

FAQs

Is Chime an online bank?

Chime is not a bank, but a financial technology company. We partner with The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC, which are both FDIC-insured.

How do you open an account online through Chime?

Apply in minutes on chime.com or download the Chime mobile app (Google Play or Apple App Store).

You must be at least 18 years old, and you’ll need your Social Security number, email address, and a valid U.S. address.

Set Up Banking

Once approved, you can connect your existing bank account to transfer funds or set up direct deposit. You can access your account anytime via the mobile app or at chime.com.

Receive Your Virtual Debit Card

After enrollment, you can add your virtual debit card to your wallet. If you would like a physical card, you can request one in the app.

Read our blog for more information on how to open up your account through Chime, manage your money with our mobile app, and take advantage of our user-friendly features.

Where can I find a fee-free ATM?

Chime has access to more than 47,000 fee-free ATMs nationwide at stores like Walgreens®, 7-Eleven®, CVS Pharmacy®, and Circle K. You can find Chime ATMs in the app or with the ATM Finder on Chime’s website.

Does Chime require a credit check to open an account online?

Chime does not require a credit check to open an online account. We provide 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 and use entirely online with no opening deposit required.

What banks partner with Chime?

Chime is a financial technology company that offers banking services through two banking partners: The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC. Because Chime partners with these banks, your funds are FDIC-insured through The Bancorp Bank, N.A., or Stride Bank, N.A.

How do I deposit money into my Chime account?

When you sign up for Chime, you can easily move money into your account online. Just link an external bank account to set up a transfer. To continue to get money in your Chime account, set up direct deposit from your employer or payroll provider.

You can deposit cash into your Chime Account at over 100,000 retail locations with our cash deposit partners. The retailer that receives your cash will be responsible to transfer the funds for deposit into your Chime Account.

Still have questions? Read our full guide on how to move money into Chime.

Are Chime Account Deposits FDIC insured?

Your funds are insured up to the standard maximum deposit insurance amount of up to $250,000 through our partner banks, Stride Bank, N.A. or The Bancorp Bank, N.A., Members FDIC. Chime itself is not FDIC-insured; The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

Where can I go to add money to my Chime debit card?

You can add money to your Chime Checking Account by making a fee-free cash deposit at any Walgreens location nationwide. And it’s not just Walgreens – for a fee, you can deposit cash into your Chime account at more than 85,000 retailers across the country.

You can also fund your debit card with direct deposit, mobile check deposit, instant transfers, and bank transfers, all in the mobile app.

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