What you'll need, how long it takes, and how to unlock SpotMe and Credit Builder once you're in.
Opening a Chime Checking and Savings account is a fully online process with no credit check required. Here's the whole flow.
Sign up through the app or online with your name, address, date of birth, and Social Security number.
Chime verifies your identity electronically — there's no in-person visit and no hard credit check to open Checking or Savings.
Your physical or digital debit card needs to be activated before certain features, including SpotMe, become available.
Add your Chime account and routing number with your employer or payroll provider. A qualifying direct deposit of $200 or more unlocks SpotMe, early direct deposit, and full Credit Builder benefits.
Once eligible, enroll in SpotMe from Settings in the app for fee-free overdraft coverage on debit purchases and cash withdrawals.
Requires an existing Chime Checking Account. No credit check, no annual fee, and no minimum security deposit to apply.
Most applicants can complete sign-up in a few minutes. Access to SpotMe and full Credit Builder benefits depends on setting up a qualifying direct deposit, which takes as long as your payroll cycle allows.
Note: specific offers, rates, and eligibility requirements can change. Always confirm current terms on Chime's site before applying.
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