Chime Visa® Debit Card Benefits
See the fees, everyday features and limitations before deciding whether Chime fits your routine
Discover the Advantages
The Chime Visa® Debit Card works with a Chime Checking Account and includes tools for spending, accessing cash and managing money from the Chime app.
No monthly service fees: the Chime Checking Account has no monthly service fee and no minimum balance requirement.
47,000+ fee-free ATMs: withdraw cash at participating in-network ATMs across the United States without a Chime ATM fee.
Virtual debit card: eligible members can use the virtual card for digital purchases while waiting for the physical card to arrive.
Automatic savings: Round Ups can transfer spare change from eligible debit card purchases to an eligible Chime Savings Account.
Card controls and alerts: receive real-time transaction alerts and disable card transactions directly through the Chime app.
Understand the Considerations
Chime is designed around digital banking, so it is also important to consider how you prefer to access cash, receive support and manage your money.
No traditional bank branches: Chime operates primarily online, so members who prefer routine in-person banking may find this limiting.
Some cash deposits may cost extra: deposits are fee-free at Walgreens and Duane Reade, while participating third-party retailers may charge a fee.
Out-of-network withdrawals may cost extra: Chime charges a fee for certain out-of-network ATM and over-the-counter withdrawals, and ATM operators may also charge fees.
A debit card does not build credit: purchases use money from your Checking Account and are not reported as credit card payment activity.
How to Get the Chime Visa® Debit Card
The debit card is provided with an eligible Chime Checking Account. Chime requires applicants to provide identifying information and meet its account eligibility requirements.
Visit the official Chime Visa® Debit Card page and review the current account features and conditions.
Start the application for a Chime Checking Account through Chime's website or mobile app.
Provide the requested information, including your name, address, date of birth and Social Security number.
Complete any identity verification steps requested by Chime during the account application.
If your account is opened, access your virtual debit card through the Chime app for eligible digital purchases.
Your physical Chime Visa® Debit Card typically ships within 7–10 business days.
Before opening an account, consider whether a mobile-first checking account matches the way you receive money, make purchases and access cash. Review Chime's current eligibility requirements, fees and service conditions before continuing.
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