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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.
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* 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.
1 Information from Experian, “What Is the Average Number of Credit Cards per US Consumer?” as of November 7, 2023: https://www.experian.com/blogs/ask-experian/average-number-of-credit-cards-a-person-has
2 Information from Forbes, “Credit Card Statistics and Trends 2023,” as of October 30, 2023: https://www.forbes.com/advisor/credit-cards/credit-card-statistics/#sources_section
3 Information from Investopedia, “5 Purchases You Should Always Make With a Credit Card” as of as of October 30, 2023: https://www.investopedia.com/financial-edge/0512/purchases-you-should-always-make-with-a-credit-card.aspx
4 Information from Experian, “What’s the Most Important Factor of Your Credit Score? as of October 30, 2023: https://www.experian.com/blogs/ask-experian/what-factor-has-the-biggest-impact-on-credit-score/
5 Information from CNBC, “3 ways to keep your credit utilization low and boost your credit score,” as of October 30, 2023: https://www.cnbc.com/select/how-to-keep-credit-utilization-low/
6 Information from MyFICO, “ What is the Length of Your Credit History?” as of October 30, 2023: https://www.myfico.com/credit-education/credit-scores/length-of-credit-history
7 Information from U.S. News and World Report, “The Difference Between Hard and Soft Inquiries,” as of October 30, 2023: https://money.usnews.com/credit-cards/articles/difference-between-hard-and-soft-credit-inquiries
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