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.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties’ privacy or security practices.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

1 Information from the National Retail Federation’s “NRF Says 2021 Holiday Sales Grew 14.1 Percent to Record $886.7 Billion” as of November 16, 2022:

2 Information from the Better Business Bureau’s 2021 Online Purchase Scams Report, “How to Stay Safe Online”, as of November 16, 2022:

3 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month and Visa debit card activation. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher 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 limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See terms and conditions.

4 Information from the Federal Communications Commission’s “How to Identify and Avoid Package Delivery Scams” as of November 16, 2022:

5 Information from the Federal Bureau of Investigation Crime Complaint Center’s “Internet Crime Report 2021” as of November 16, 2022:

6 Information from the Federal Trade Commission’s “New Data Shows FTC Received 2.8 Million Fraud Reports from Consumers in 2021” as of November 16, 2022:

7 Information from the Better Business Bureau’s “Online Shopping Fraud” study as of November 16, 2022:

8 Information from the Better Business Bureau’s “BBB Tip: ‘Brushing’ scam indicates a serious problem for victims” as of November 16, 2022:

9 Information from the Federal Bureau of Investigation’s “How We Can Help You: Charity and Disaster Fraud” as of November 16, 2022:

10 Information from the Federal Trade Commission’s “Before Giving to a Charity” as of November 16, 2022:

11 Information from the Federal Trade Commission’s “What To Do if You Were Scammed” as of November 16, 2022:

© 2013-2022 Chime. All Rights Reserved.

Haley Rogers

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