Chime is not a bank. It is a financial technology company. The banking services it offers are provided by The Bancorp Bank, N.A., and Stride Bank, N.A., both of which are FDIC members.

Employers often deposit your money up to two days before it's made available to you in most accounts. Chime makes your money available as soon as your employer deposits it. No monthly fees: There are a lot of bank fees you should never pay.

Chime partners with two banks, The Bancorp Bank, N.A. and Stride Bank, to support your account and create an improved member experience. Your Chime account is specifically tied to one of these banks.

Chime is able to make money by collecting part of the interchange fees that merchants pay to process transactions made using the Chime card. Specifically, Chime collects part of the interchange fee that Visa charges merchants to process payments.

U.S. Citizens 18 years and older are welcome to apply! While Chime cards work all over the world, currently we can only offer accounts to members with a valid SSN, living in the United States and District of Columbia.

When traveling internationally, you can use your card in most countries where Visa is accepted as long as you enable international transactions. Chime doesn't charge foreign transaction fees. To turn on international transactions in your app: Tap the gear icon to open Settings.

ATMs: You can withdraw up to $515 per day at any ATM. There is a $2.50 fee every time you make a withdrawal from an out-of-network ATM. Additionally, the out-of-network ATM provider may charge you an additional fee at their discretion.

Most transfers and check deposits typically post within five business days. It depends on the source of the money. Direct deposit. Direct deposits from your employer or payer post to your Chime Checking Account as soon as they're received.

We also support ACH transfers, cash deposits, and Mobile Check Deposit. Transfer Initiated from Chime: You can link an external bank account you own to your Chime Checking Account in the Move Money section of the Chime app or by logging into your account online.

Chime isn't involved in the flow of funds. In other words, Chime doesn't receive or hold money on behalf of its members or partner banks. The partner banks provide the savings and checking accounts.

Chime Review: A High Savings APY and An All-in-One, Modern Experience. Chime offers simple online checking and savings accounts with almost no fees. It also offers rare perks like automated savings tools, instant peer-to-peer payments, and the option to receive your direct deposits up to two days early.

When traveling internationally, you can use your card in most countries where Visa is accepted as long as you enable international transactions. Chime doesn't charge foreign transaction fees. To turn on international transactions in your app: Tap the gear icon to open Settings.