Help build credit, get paid early^, overdraft up to $200* and more—
without fees. Get your Free Credit Scores instantly. Download the CreditVana app for quick, easy, and reliable credit reports.
Already have an account?
Privacy Policy for info on data collection and uses. Click for terms and conditions.
Credit Builder is for Credit Vana Checking Account holders with eligible direct deposit.1
You earned it, so you deserve to keep it. That’s why Chime offers a Checking Account with no minimum balance fees and no monthly fees.
Enroll in direct deposit with Chime and we’ll help you get your paycheck up to 2 days early^ for free. Yes, really!
Credit Builder has no annual fees, interest, or minimum security deposit
We report your on-time payments to all 3 credit bureaus to help you build credit over time.
Unlock these features, when you open a Vana Checking Account and set up direct deposit:
Start improving your credit score by 30 points2 on average with regular, on-time payments:
*Eligibility requirements and limits apply.
For Chime Checking Account holders with eligible direct deposit1
Your funds are FDIC insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC and we keep your money safe and secure with periodic security tests of our systems.
Join the millions of members on Credit Vana and feel good about your finances. Get your Free Credit Score instantly. Download the CreditVana app for quick, easy, and reliable credit reports.
At Chime, we’ve created a new approach to online banking that doesn’t rely on fees2 , gets you your paycheck up to 2 days early with direct deposit1 , and helps you grow your savings automatically. When you open a bank account through Chime, you get a Visa Debit Card® and a Checking Account that can be managed entirely from your smartphone, plus an optional Savings Account that helps you grow your savings automatically! The Chime mobile banking app is available on both Android and iOS.
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.
Our mission is to make financial peace of mind a reality for everyone. We’re doing that by changing the way people feel about banking. Chime’s business was built on the principle of protecting our members and making managing your money easy. We’ll never profit from your misfortune or mistakes and everything we build is focused on improving our member’s lives.
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.
Chime makes money from the interchange fee charged on card transactions. Every time you use your Chime Visa® Debit Card or Credit Builder Secured Credit Card for purchases and paying bills, Visa processes the transaction and charges an interchange fee to merchants for the service. Chime receives a portion of this fee. This is how Chime can continue building new and better products that help members get the most from their money.
After you open a Checking Account, we get started on personalizing your new Chime Visa Debit Card. Your Chime Visa Debit Card is usually placed in the mail within one (1) business day after you open your Checking Account. It can take 5 to 10 business days for your Chime Visa Debit Card to arrive at your home address.
We don’t believe in unnecessary fees or profiting from our members’ misfortune. We have no fees to sign up, no overdraft, no monthly or service fees, no minimum balance fees, no transaction fees, and no card replacement fees either. We do charge one fee ($2.50) when you get cash from either an over the counter withdrawal, or an out-of-network ATM that is not part of Chime’s fee-free network of 60,000+ ATMs
Please note that third-party services, such as money transfer services used to deposit funds or out of network ATM used to withdraw funds to your Chime Checking Account may impose their own fees per transaction.
You can get cash at more than 60,000+ fee-free ATMs – more than the top 3 national banks combined! Including ATMs at popular retail stores like Walgreens®, CVS®, 7-Eleven®, Circle K, and Target®.
Get fee-free transactions at any Moneypass ATM in a 7-Eleven location and at any Allpoint or Visa Plus Alliance ATM. Otherwise, out-of-network ATM withdrawal fees may apply.
No. If you do not have sufficient funds in your Chime Checking Account, or have reached your SpotMe limit (if enrolled), then your Chime Visa® Debit Card will be declined. There is no fee for declining transactions or for utilizing SpotMe.
Get your Free Credit Scores instantly. Download the CreditVana app for quick, easy, and reliable credit reports.
All you need is a Chime Checking Account and qualifying direct deposits of $200 or more.
Don’t have a Chime Checking Account? Apply for one in under two minutes!
No way! We think everyone deserves a chance to build credit, so we don’t check your credit score when you apply.
Yes. We designed Credit Builder to work with the Chime Checking Account so that you can move money instantly—across your Chime accounts!
Credit Builder offers features that help you stay on top of key factors that impact your credit score. Consistent use of Credit Builder can help you build on-time payment history, increase the length of your credit history over time, and more. We report to the major credit bureaus – TransUnion®, Experian®, and Equifax®.
Learn more about credit building with Credit Builder.
