Chime Gift Card
Chime Gift Card - RayID: 7bf098e8ae7e4943 IP: 36.82.97.81 RayID: 7bf098e8ae7c4943 IP: 36.82.97.81 You may be using an unsupported or outdated browser. For the best experience, please use the latest version of Chrome, Firefox, Safari or Microsoft Edge to browse this site. Chime® is a financial technology company, not a bank, offering free online banking services Bancorp Bank, N.A.
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Chime Gift Card
and Stride Bank, NA, through an FDIC member. Founded in 2013, the San Francisco-based company serves 14.5 million customers with 24/7 online banking and a network of over 60,000 ATMs nationwide. With Chime, you can receive direct deposits two days in advance**, earn interest on savings, send payments and build credit.
Chime charges no monthly fees and offers free overdrafts up to $200^ for eligible customers. Best for people who get direct deposit and don't need to deposit cash often. Chime supports cash payments at several national stores, but usually for a fee. This Chime Bank review focuses on personal banking products and services.
Account information and Annual Percentage Rate (APR) are correct as of April 6, 2023. Chime offers two bank account options to manage your money. Here's a summary of each account's features, benefits, and pricing. The Chime® Checking Account has a $0 monthly maintenance fee. And there are no minimum balance requirements for this account.
Chime® Checking Account
Here are the key features of the Chime Billing Account: The Chime® Billing Account is free. For example, when you sign up for Chime's SpotMe service, you can overdraw up to $20 on credit card purchases at no charge. This feature requires a one-time deposit of at least $200 each month for qualifying direct deposits.
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Chime may, in its sole discretion, increase the SpotMe limit to $200 or more based on account history, direct deposit amount and frequency, expenses, and other factors. There is no credit check to open an account and get a Chime debit card. You can use your bank card wherever Visa accepts it.
The Chime Savings Account offers 2.00% Annual Percentage Rate (APY). This is quite a competitive rate compared to other high yield savings accounts offered by some of the most popular online banks. Here are the main features of the Chime High Yield Savings Account: To open a Chime Savings Account, you need a Chime Checking Account.
Once your accounts are set up, you can use Chime's Round Ups feature to automatically save. When you use a Chime Visa® debit card*, Chime rounds the transaction to the nearest dollar and transfers the difference to your savings account***. For example, let's say you spend $25.50 at the grocery store.
Chime® Checking Account
You deposit that amount into the store from your debit card, and Chime transfers 50 cents from your spending account to your savings account. Chime also offers the Save when I get paid**** option, which allows you to set up a recurring transfer of 10% direct deposit payments of $500 or more from your checking account to your savings account each time you get paid.
The Chime Optional Savings Account not only earns you interest, it also automates your savings in two ways: Round Up and Save When I Get Paid. The Round Up tool rounds up credit card purchases to the nearest dollar and deposits the difference into your savings account².
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Save When I Get Paid automatically deposits a certain percentage of your direct deposit into your savings account³. A Chime checking account is required to open a Chime savings account. The Chime Savings Account requires no monthly fees or a minimum deposit. The Chime savings account pays 2.00% APR¹, well above the national average but well below what many other high yield savings accounts pay.
Interest is calculated daily and credited to the Savings Account every month. Note on Chime products: Chime is a financial technology company, not a bank. Bank Bancorp, NA or banking services provided by Stride Bank, N.A., member of the FDIC. Chime has only one credit card, the Secured Chime Credit Builder Visa® Credit Card*, which is available without a credit check.
Chime High-Yield Savings Account
It is a secured card designed for those looking to build credit. However, to get a Credit Builder card, you must have a Chime Checking account and receive at least $200 in monthly direct deposits. 1. Transfer money from your Chime checking account to your Credit Builder account.
Chime reports your payments to all three major credit bureaus. The Secured Chime Credit Builder Visa credit card does not charge interest, an annual fee, or an upfront security deposit. There are also no pre-set spending or credit limits, so you can decide for yourself how much credit you give.
To apply for the Secured Chime Credit Builder Visa credit card, you need a chime and a minimum of $200 in qualifying monthly direct deposits.^^ Chime is primarily designed to be used via the mobile app and offers a ton of features to make mobile banking more convenient.
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Chime is known for its mobile app which is available for both Android and iOS devices. The Chime app sends daily account balance notifications and transaction alerts when shopping. You can block transactions from within the Chime app, saving you a call to customer service if you lose your card.
Other Chime Accounts And Services
You can also block international transactions through the app. The Chime debit card works anywhere Visa accepts it, and you can add it to your Apple Pay or Google Pay mobile wallet. You can also access over 60,000 MoneyPass, Allpoint and Visa Plus Alliance ATMs.
You can check the Chime app to avoid offline ATM fees. If you want to deposit a check into your Chime checking account, you can do so using Mobile Deposit in the Chime app. If you lose your Chime debit card, you can block transactions in the Chime app.
There are no fees for exchanging debit cards, you can request them in the Chime app. Chime does not charge its customers the fees that can be found at a traditional land-based bank. For example, there are none: However, there is one fee to keep in mind.
Chime charges a $2.50 ATM withdrawal fee when you withdraw cash from an offline machine. The ATM operator may also charge a third party fee. If you're looking for a complete banking package, Chime may not be the best solution for you. But if you're just starting your financial journey and want user-friendly financial tools backed by an all-in-one app, Chime covers the basics well.
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