Chime is a financial technology company founded on a simple idea: everyday banking and payment services should be helpful, easy, and free. Our mission is to help our members – everyday people who aren't well-served by traditional banks – achieve financial peace of mind, together.

Now more than ever, people are looking for an alternative to fee-based banking that's aligned with their best interests. Chime offers everyday consumers that choice. We helped bring features to market that were unavailable to most consumers just a few years ago – including early access to paychecks, accounts with no monthly fees, and fee-free overdrafts up to $200. We also offer a secured credit card that enables people to safely build credit. And with 60,000+ fee-free ATMs nationwide – a larger network than the four biggest U.S. banks combined – Chime members never have to look far to access cash. Millions of people trust Chime every day.

Chime is different from other financial services companies. We obsess over the needs of our members and live by a set of Core Values that guide our actions. We sweat the details of their experience and always have their back. The result: nearly half of Chime's new signups come from word of mouth and referrals. It's all part of what we call being “member-obsessed.”

Who are Chime members? They're mainstream consumers, your friends, coworkers and neighbors — everyday people who often struggle with the high cost and barriers to entry in traditional financial services. This includes young people just entering the job market, women, people of color, and those most affected by economic downturns.

Chime is not a bank. Instead, we partner with regional banks to design and deliver easy-to-use financial products for consumers. All of our members' account balances are safely held at regulated, FDIC-insured banks, and our products comply with all applicable banking laws and regulations. day.

Our innovations have created more choice for consumers and proven that our partner bank approach creates a more competitive financial services industry. We're proud of the positive impact we've had.

As a technology company, Chime's expertise and platform investments help our bank partners better serve and expand their customer bases. This helps make them more competitive in an era of increasing industry consolidation, with the top few banks getting larger everyday at their expense.

Chime has members in all 50 states, each experiencing their own financial triumphs and challenges. We strive to be a resource for families, help them stay on top of their finances, avoid unnecessary fees and create a solid financial foundation.