Fee-Free Banking

A high-powered checking account with fee-free ways to deposit, spend, and get your money, as well as fee-free overdraft, fee-free in-network ATM withdrawals, fee-free in-network cash deposits and more.

Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products. Learn more here.

Fee-free Checking Account

Fee-free overdraft with SpotMe

Fee-Free ATMs

Pay Anymore Fee-free

Fee-free Cash Deposits¹

Explore products

Chime Checking Account

Checking built for you.

No monthly fees ever, and simple 2-minute app setup.

SpotMe

Overdraft with no fees.

SpotMe® lets you overdraft fee-free up to $200⁺ on credit, debit and on ATM transactions.^††

How to set up direct
deposit.

Enter your personal information.You’ll need to enter some basic information, like your name and date of birth, in order to verify your identity.

Download the Chime app.From our mobile app, you’ll be able to manage your account, deposit money, view your balance, and more.

Set up direct deposit and get Chime+.Once you’ve set up direct deposit using your chime routing and account numbers you’ll be able to take advantage of Chime+ benefits.‡

Why members love us.

Not only is Chime The #1 Most Loved Banking App®, but we’ve made a real and lasting impact on our members’ lives. Don’t take our word for it—we’ll let the numbers speak for themselves.

4 out of 5 Chime members

Number of people who say that we've helped improve their overall financial situation. Just over half of traditional bank customers say the same2