Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A. The secured Credit Builder card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A.

To be eligible for the $100.00 direct deposit promotion (the “Promotion) monetary reward, the participant (“Participant”) must: (1) have never previously opened a Chime^® Checking Account (“Account”) before participating in this Promotion; (2) obtain a promotional code from either one of Chime’s official affiliate partners via webpage or email; (3) enter the promotional code into the designated field labeled “Promo Code” on the specified promotional webpage and receive a green success notification tag; (4) successfully open an Account; and (5) receive a Qualifying Direct Deposit to their Account within 30 days of opening an Account. A Qualifying Direct Deposit is a deposit of $200 or more by Automated Clearing House (“ACH”) that comes from your employer, payroll provider, gig economy payer, or benefits payer OR a deposit by Original Credit Transaction (OCT) from your gig economy payer. Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a Qualifying Direct Deposit are not Qualifying Direct Deposits. Eligible Participants may only receive this promotional reward once. Participants who satisfy the above conditions will receive a $100.00 credit to their Account typically within ten (10) business days after receiving the Qualifying Direct Deposit. This Promotion will run from June 1, 2024-October 31, 2024 or as otherwise designated by Chime. Chime reserves the right to amend the Promotion duration and may permit Participants to enter a valid promo code after the listed date. In the event that the Promotion has ended, Participants will receive a “not a valid promo code” error message after they enter the applicable promotional code, so that the Participant knows they are not eligible for the monetary reward prior to enrolling in an Account. Chime reserves the right to cancel or modify the Promotion terms or terminate the Participants’ eligibility at any time with or without prior notice. An Account may be available to citizens or legal permanent residents of the fifty (50) United States (“U.S.”) or the District of Columbia; who are at least 18 years of age with a valid Social Security number; and who provide Chime with a U.S. residential street address (not a P.O. Box). Credits of $600 or more shall be reported on tax form 1099-MISC. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

MyPay™ line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS 2316451).

To be eligible for MyPay, you must receive Qualifying MyPay Direct Deposits to your Chime Checking Account as set forth in the MyPay Agreement. A Qualifying MyPay Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Available Advance Amount may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. Option to get funds instantly for $2 per advance or get funds for free within 2 days. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.

The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank. To apply for Credit Builder, you must have an active Chime® Checking Account.

Chime Checking Account is required to be eligible for a Chime Savings Account. The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. There’s no fee for the Chime Savings Account.

Chime Deals: Eligibility requirements and limits apply. See the Chime app or Chime Deals™ Terms and Conditions for details.

SpotMe/Fee-Free Overdraft: SpotMe® for Credit Builder is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “SpotMe”). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.

Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won't cover non card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe Terms and Conditions.

Early Payday/Get Paid Up to Two Days Early: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

Fee-free ATMs Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

Credit Builder To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.