Finance & Insurance
Chime Checking Account
Unlock fee-free overdraft¹ and get paid up to 2 days early² with direct deposit.
1SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “SpotMe”). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.
Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined 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 SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe terms and conditions.
2 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.
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Chime Checking Account
Unlock fee-free overdraft¹ and get paid up to 2 days early² with direct deposit.
Rent Reporters
Build your credit by reporting your rent!
Accident Legal Help
Injured in an auto accident? Find out what your case is worth – fast & free!
Lemonade Renters Insurance
Renter's insurance that keeps your stuff safe. Starting from $5.
Lemonade Car Insurance
Car insurance people actually love. Only available in AZ, IL, OH, OR, TN, TX, WA.
Lemonade Pet Insurance
Save up to 90% on diagnostics, procedures, and medication.
CSC Home Assist w/ Latchel
Save an avg of $600/yr for damages, key replacements, and fees from your landlord.
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