Fees: Monthly service fee: $0. Minimum balance fee: $0. Out of network withdrawal fee: $2.50 per transaction.

Chime is able to make money by collecting part of the interchange fees that merchants pay to process transactions made using the Chime card. Specifically, Chime collects part of the interchange fee that Visa charges merchants to process payments.

You might be wondering, “What bank is Chime?” Chime is not a bank but a financial technology company. Our mission is to offer people financial features that help them, like access to paychecks up to 2 days early3 with direct deposit, fee-free overdrafts of up to $200,4 and accounts with no monthly service fees.

Click here to access our full Chime model. Chime made $950M in 2021, growing 58% over 2020 and 128% annually over the previous 4 years. In 2022, we estimate Chime made $1.85B.

When traveling internationally, you can use your card in most countries where Visa is accepted as long as you enable international transactions. Chime doesn't charge foreign transaction fees. To turn on international transactions in your app: Tap the gear icon to open Settings.

Banking shouldn't cost you money We believe an online checking account with no monthly fees should be available to everyone. That's why Chime offers a checking account with no minimum balance fees and no monthly fees.

Banking shouldn't cost you money We believe an online checking account with no monthly fees should be available to everyone. That's why Chime offers a checking account with no minimum balance fees and no monthly fees.

Free you can also tap view your limit. And set a personal limit to control how much you can overdraw. Get money when you need it most with spot me fee free overdraft.

When traveling internationally, you can use your card in most countries where Visa is accepted as long as you enable international transactions. Chime doesn't charge foreign transaction fees. To turn on international transactions in your app: Tap the gear icon to open Settings.

United States Chime (company)

Chime has no minimum balance, monthly fees, or overdraft fees. We don't believe in hidden fees or profiting from our members' misfortune.

United States Chime (company)