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offering simple tools to build credit, get paid up to 2 days early with direct deposit¹, and say goodbye to the outdated hurdles that many traditional services still push.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 required³
No annual fees or interest⁴
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 day⁵ 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 nationwide⁶
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.

a¹ 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.