How do I get the $100 Chime bonus?

Sign up using this referral link (chime.com/r/davidharris3108). Once you meet the qualifying conditions — typically receiving a qualifying direct deposit — Chime will credit your account with $100. Terms and conditions apply; see Chime's website for full details.

Is Chime a real bank?

Chime is not a bank — it is a financial technology company. Banking services are provided by Bancorp Bank, N.A. and Stride Bank, N.A., both FDIC-insured. Your deposits are insured up to $250,000 through these partner banks.

What is SpotMe and how does it work?

SpotMe is Chime's fee-free overdraft feature. Eligible members (those with $200+ in monthly direct deposits) can overdraft their debit card up to $200 with no overdraft fee. The overdraft is automatically repaid from your next deposit.

How does the automatic savings feature work?

Every time you make a purchase with your Chime debit card, Chime rounds up the transaction to the nearest dollar and transfers the difference into your savings account automatically. You won't notice the small amounts leaving, but they add up quickly.

How do I deposit cash into Chime?

You can deposit cash at participating retailers including Walgreens, CVS, Walmart, and 7-Eleven using the Green Dot network. Up to 3 deposits per day and $1,000 per day are allowed. The retailer may charge a small fee.

Does Chime pay interest on savings?

Chime pays a modest interest rate on its savings account. Chime's savings features are more about automation and savings habits than maximising interest — but the round-ups and auto-save tools help you build a buffer without effort.

How does Chime's Credit Builder card work?

The Chime Credit Builder Visa is a secured credit card with no annual fee and no interest. You move money from your Chime account to the card as your spending limit. Chime reports your spending to the three major credit bureaus to help build your credit score.

Home/New York/US Digital Banking/Chime Review

Viewing Chime for New York, USA · See global review

$100 BonusGet $100 When You Join — America's Largest No-Fee NeobankNew York

Is Chime available in the United States?

Chime is available to residents of the United States — here's how New York readers can open an account and what to check first.

4.3

Based on 80,000+ user reviewsEst. 2013

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*Affiliate disclosure: We may earn a commission if you open an account via our link, at no extra cost to you.

Quick Facts

Join Bonus$100

Members22M+

Fee-free ATMs60,000+

Early depositUp to 2 days

RegionNorth America

Our rating

4.3

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Using Chime in New York, the United States

Confirm country eligibility with the providerRated 4.3/5 · 80,000+ reviews

Chime is a US financial-technology company whose banking services are provided by The Bancorp Bank, N.A. and Stride Bank, N.A. (Members FDIC), and it serves customers only in the United States.

To open an account from the United States you will typically need US residency, a US Social Security Number or ITIN, and a US address. Eligibility, supported documents, fees and available products can change, so confirm the current requirements on Chime's official site before you apply.

Digital Bank Networks earns a commission if you open an account through our link, at no extra cost to you. Our rating reflects the global product; always verify country-specific terms directly with Chime.

Is Chime available in the United States?

Yes. Chime operates in the United States as of 2026. Chime is a US financial-technology company whose banking services are provided by The Bancorp Bank, N.A. and Stride Bank, N.A. (Members FDIC), and it serves customers only in the United States. Confirm the latest eligibility and pricing on Chime's official website before applying.

What is Chime?

Chime is the largest US neobank, serving 22 million+ members with a straightforward promise: banking without the fees. Sign up through this referral link and get $100 — Chime automatically saves a little for you every time you spend, so your balance grows without any effort. Founded in 2013, Chime provides a fee-free checking account (Spending Account), a high-yield savings account, and a Secured Credit Builder Visa card — all through a clean mobile app with no monthly fees, no minimum balance, and no overdraft fees. Chime's standout features include early direct deposit (up to 2 days early), SpotMe (fee-free overdraft coverage up to $200 for eligible members), and automatic savings round-ups. Chime is not a bank itself — it partners with Bancorp Bank and Stride Bank (both FDIC-insured) to hold customer deposits safely.

Headquarters: San Francisco, California, USA

Founded: 2013

Key Features of Chime

Fee-free checking account

No monthly fees, no minimum balance, no overdraft fees — simple banking.

Early direct deposit

Get your paycheck up to 2 days early when your employer uses direct deposit.

SpotMe

Overdraft up to $200 fee-free on debit card purchases for eligible members.

Automatic savings

Round up every purchase to the nearest dollar and save the difference automatically.

Credit Builder Visa

Build your credit score with no annual fee and no interest — use your own money securely.

60,000+ fee-free ATMs

Withdraw cash for free at any MoneyPass or Visa Plus Alliance ATM.

Chime Pros & Cons

Advantages

$100 referral bonus when you join via this link (terms apply)
Truly zero fees — no monthly, overdraft, or minimum balance fees
Automatic savings round-ups grow your balance without thinking about it
SpotMe overdraft up to $200 at no cost
Early direct deposit up to 2 days ahead
Excellent Credit Builder card for rebuilding credit
FDIC insured via Bancorp Bank and Stride Bank

Disadvantages

US only — not an international option
No savings rate as high as SoFi or Ally
Cash deposits require third-party retailers (inconvenient)
Not a bank itself — relies on partner banks

Who is Chime Best For?

US residents tired of traditional bank feesPeople living paycheck to paycheck who need early access to wagesThose wanting to build or rebuild their credit scoreLow-income and unbanked individuals seeking a welcoming accountAnyone wanting no-cost banking with useful automatic savings

Ready to get started with Chime?Confirm eligibility for New York with the provider

Open your account today and take advantage of everything Chime has to offer.

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Frequently Asked Questions About Chimein New York

Is Chime safe?

Chime is a regulated financial services provider. Digital Bank Networks only features regulated, vetted affiliates. Always review the provider's terms, fees, and regulatory status before transferring funds. CFD and forex trading carries risk — please read all risk disclosures before trading.

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