How Chime® Helps You Save Money and Build Credit

Published by Jane

July 7, 2025

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If your current provider is still charging you fees just to access your money or if your credit history is holding you back, it might be time for something better.

Chime® is changing how everyday Americans manage their finances, offering simple tools to build credit, get paid up to 2 days early with direct deposit¹, and say goodbye to the outdated hurdles that many traditional services still push.

Here’s why so many people are switching:

The secured Chime Credit Builder Visa® Credit Card is designed to help you build credit history
No minimum security deposit required²
No annual fees or interest³
No credit check to apply

Move money to your secured account and spend only what you add. No surprises. No overdraft fees. And unlike prepaid cards, your responsible usage gets reported to all 3 major credit bureaus.

It’s like training wheels for credit.

Access Your Money Sooner with MyPay®

Running short before payday? With MyPay®, you can access up to $500 of your pay any day⁴ with no credit check, no interest, and no mandatory fees.

Get up to $500 of your pay before payday
Zero interest or mandatory fees
Fast access to your money when you need it

It’s a smart way to bridge the gap between paydays without turning to payday lenders or racking up credit card debt.

More Ways Chime Makes Spending Simple:

No monthly fees
No overdraft fees
Access to over 50,000 fee-free ATMs nationwide⁵
Manage everything with an easy-to-use mobile app

Whether you’re trying to build your credit history, stop living paycheck to paycheck, or just want more control over your money, Chime® helps you move forward your way.

It’s fast, it’s free to apply, and it might be exactly what your budget’s been missing.

Apply for Chime® Today

Required Disclosures:

The secured Chime Credit Builder Visa® Credit 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 credit cards are accepted. Please see the back of your card for its issuing bank. MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS ID 2316451).

To apply for Credit Builder, you must have an active Chime® Checking Account.

¹ Early Pay Disclosure:

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.

² Security Deposit Disclosure:

Money added to Credit Builder will be held in a secured deposit account as collateral for your Credit Builder Visa card, and you can spend up to this amount. You can use the money deposited in your Secured Deposit Account to pay off your charges at the end of every month.

³ Interest & Fees Disclosure:

Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp Bank, N.A. agreement or Stride Bank, N.A. agreement for details; see back of card for issuer.

⁴ MyPay® Disclosure:

To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 – $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.

⁵ ATM Network Disclosure:

Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.