Chime is a financial technology company that delivers deposit and payment services via partner banks (The Bancorp Bank and Stride Bank) with FDIC pass-through coverage. Accounts include checking and a high-yield savings option, plus a Visa debit card and a secured credit product designed to help members build credit.

Core features include fee-free overdraft protection (SpotMe) with eligible limits up to $200, early access to direct deposit payroll (often up to 2 days early), and MyPay advances that can provide up to several hundred dollars before payday subject to eligibility and terms. Members also get access to a large network of fee-free ATMs and fee-free cash deposit options at select retailers.

The platform emphasizes digital security and customer support, offers Visa Zero Liability protection, and generally has no monthly or minimum balance fees for standard accounts. Certain optional services (instant transfers, out-of-network ATM or over-the-counter cash advances, credit products) may carry fees or eligibility requirements; detailed terms and disclosures are available on Chime's site.