Get a Free Chime Bank Account and Get Your Paycheck 2 Days Early

If getting paid early^ and earning up to a $350* bonus sounds like your kind of win, this might be the easiest money you make all month. 

Chime® is giving new members up to $350 when they open a Chime Checking Account and receive qualifying direct deposits. Earn $100 with a $200+ direct deposit in your first 30 days, another $100 the next month, and $150 in your third month — that’s the full $350 bonus.

It only takes a few minutes to get started, and you could even get paid up to two days early with direct deposit^. Chime makes your funds available as soon as it receives it.

You can spend, save, and track everything right from the Chime app. It’s a simple way to earn extra cash and keep your money working for you.

Open a Chime Checking Account and claim your bonus of up to $350*.

Chime® is a financial technology company, not a bank. 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. 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. 1 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 Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network. 3 SpotMe® 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. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Limits may be impacted by your use of other Chime products. 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. 4 To apply for a Chime Card, you must also open a Chime Checking Account. 5 The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of 1/29/26. No minimum balance required. Must have $0.01 in savings to earn interest. 6 Round Ups: Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account. 7 Auto Savings: You can automatically transfer part of your direct deposits of $1 or more from your Checking Account into your selected Chime account(s).