No Monthly Maintenance Fees
Chime Checking has no monthly maintenance fee or minimum balance requirement
Chime Visa® Debit Card
Explore a fee-friendly debit card with mobile controls, fee-free ATM access and early direct deposit
Get Paid Up to Two Days Early
Qualifying direct deposits may arrive up to two days before payday
47,000+ Fee-Free ATMs
Withdraw cash without a Chime ATM fee at participating in-network locations
Mobile App Controls
Track transactions, receive alerts and disable card transactions in the app
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Why the Chime Visa® Debit Card Stands Out
The Chime Visa® Debit Card is linked to a Chime Checking Account. It is designed for everyday purchases and digital money management.
Chime states that the account has no monthly maintenance fees and no minimum balance requirement. However, fees may apply in some situations, including withdrawals at out-of-network ATMs.
With eligible direct deposits, members may receive their pay up to two days early. Early availability depends on when the payer submits the payment file, so it is not guaranteed for every pay period.
The Chime mobile app lets users review transactions and receive real-time alerts. Users can also disable card transactions if their card is misplaced.
Eligible users may access a virtual debit card for digital purchases before the physical card arrives.
Chime advertises access to more than 47,000 fee-free ATMs at participating locations. Out-of-network ATM withdrawal fees may apply, so users should check the ATM network before withdrawing cash.
The card can be used wherever Visa® debit cards are accepted. 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.
Frequently Asked Questions
Does the Chime Visa® Debit Card have monthly fees?
Chime states that its Checking Account has no monthly maintenance fee and no minimum balance requirement. Other fees may apply in certain situations, such as using an out-of-network ATM.
Can I receive my paycheck early with Chime?
Eligible direct deposits may be made available up to two days before the scheduled payday. Timing depends on when the payer submits the deposit, and early access is not guaranteed every pay period.
How many fee-free ATMs can I use?
Chime advertises access to more than 47,000 fee-free ATMs at participating locations. Out-of-network ATM withdrawal fees may apply.
Where can I use the Chime Visa® Debit Card?
The card can be used wherever Visa® debit cards are accepted, subject to the merchant's payment options and applicable account terms.
Can I manage my card in the Chime app?
Yes. The app supports transaction monitoring, real-time alerts and card controls, including disabling transactions if you misplace your card.
How to Get the Chime Visa® Debit Card
1. Visit Chime's official website. Start an application for a Chime Checking Account online or through the Chime mobile app.
2. Provide your information. Chime may ask for your name, address, date of birth, contact information and Social Security number to complete enrollment and verify your identity. Eligibility requirements apply.
3. Set up your account. Once enrollment is complete, sign in to the app or online account. You can set up direct deposit or transfer funds from an eligible external account.
4. Start using your card. Chime says members can access a virtual debit card for eligible purchases, while the physical card is mailed to the address on file. Follow the app's instructions to activate the physical card when it arrives.