Chime Visa® Debit Card: Simple Everyday Spending
Learn about fees, ATM access, early direct deposit and digital tools before opening a Chime Checking Account.
No Monthly Maintenance Fee
The Chime Checking Account has no monthly maintenance fee and no minimum balance requirement. Other charges may apply to specific transactions.
Get Paid Up to 2 Days Early
With qualifying direct deposit, eligible members may receive their paycheck up to two days early. Timing depends on when Chime receives the payment file.
47,000+ Fee-Free ATMs
Members have access to more than 47,000 fee-free ATMs in Chime's participating network. Out-of-network ATM withdrawals may involve additional fees.
Mobile Account Controls
Use the Chime app to review transactions, receive real-time alerts, find ATMs and disable transactions if your card is lost.
How the Chime Visa® Debit Card Works
The Chime Visa® Debit Card comes with the Chime Checking Account. Unlike a traditional credit card, it generally uses money already available in your account for purchases.
The checking account has no monthly maintenance fee and no minimum balance requirement. Chime also provides access to more than 47,000 fee-free ATMs in its participating network. Fees can apply when using an out-of-network ATM.
With qualifying direct deposit, your paycheck may become available up to two days early. The exact timing is not guaranteed because it depends on when Chime receives the payment information from the payer.
The Chime app also gives you everyday account controls. You can check balances and transactions, receive real-time alerts, locate fee-free ATMs and disable transactions if your card is lost or misplaced.
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No. The Chime Visa® Debit Card is connected to a Chime Checking Account. Purchases generally use money available in the account instead of a traditional revolving credit line.
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The Chime Checking Account has no monthly maintenance fee and no minimum balance requirement. However, charges may still apply to certain transactions, including some out-of-network services.
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Chime members have access to more than 47,000 fee-free ATMs in the participating network. You can use the Chime app to find eligible locations near you. Out-of-network ATM fees may apply.
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Yes. Chime provides a virtual debit card that can be used for eligible digital purchases. This allows you to start using the card while waiting for the physical version to arrive.
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SpotMe® is an optional fee-free overdraft feature for eligible Chime members. Eligibility requirements apply, and the amount available depends on factors such as qualifying direct deposits and account activity.
What to Know Before Opening a Chime Account
To receive the Chime Visa® Debit Card, you need to open a Chime Checking Account. Chime requires personal information to verify your identity. There is no minimum opening deposit required for the checking account.
Chime also offers features such as SpotMe® for eligible members. SpotMe can cover certain transactions when your available balance is insufficient, but eligibility and individual limits apply. It should not be treated as a guaranteed amount available to every member.
Before opening the account, review the current terms, fees and eligibility requirements on Chime's website. Remember that the Chime Visa® Debit Card is a debit card, not a traditional credit card, and it does not provide a preset revolving credit limit.