When a cash deposit of $10,000 or more is made, the bank or financial institution is required to file a form reporting this. This form reports any transaction or series of related transactions in which the total sum is $10,000 or more. So, two related cash deposits of $5,000 or more also have to be reported. ¹ Chime SpotMe is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher limit of up to $100 or more based on member's Chime Account. Banking Services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa ® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. And may be used everywhere Visa debit cards are accepted. Please see back of your Card for its issuing bank. Because, Chime is a bank which is part of the Green Dot Network and so, you can add money to your Chime card at any one of the 90,000 plus stores which have partnered with Green Dot. Note: You will not be able to deposit more than $1,000 at these stores.
Fee-free overdraft up to $100.¹ Get paid up to 2 days early with direct deposit.² Grow your savings.
Learn how we collect and use your information by visiting our Privacy Policy›
The Bancorp Bank or Stride Bank, N.A.; Members FDIC
Overdraft fee-free with SpotMe
We’ll spot you up to $100 on debit card purchases with no overdraft fees. Eligibility requirements apply.¹
Get paid early
Set up direct deposit and get your paycheck up to 2 days earlier than some of your co-workers!²
Say goodbye to hidden fees³
No overdraft. No minimum balance. No monthly fees. No foreign transaction fees. 38,000+ fee-free MoneyPass® and Visa Plus Alliance ATMs. Out-of-network fees apply.
Make your money grow fast
0.50% Annual Percentage Yield (APY)⁴. Set money aside with Automatic Savings features. And never pay a fee on your Savings Account.
Stay in control with alerts
You’re always in-the-know with daily balance notifications and transaction alerts
Security & support you can trust
Serious security
Chime uses secure processes to protect your information and help prevent unauthorized use
Privacy and protection
Your deposits are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank N.A.; Members FDIC
Where To Load Chime
Friendly support
Have questions? Send a message to our Member Services team in the app or check out the Help Center.
Get started
Applying for an account is free and takes less than 2 minutes.
It won’t affect your credit score!
Chime Deposit Cash Time
Learn how we collect and use your information by visiting our Privacy Policy›