Chime is the largest US neobank by users, but it is a fintech company, not a chartered bank. Banking services are provided by partner banks The Bancorp Bank, N.A. and Stride Bank, N.A. (Members FDIC), and it makes money from interchange rather than monthly or overdraft fees.
You must be 18+, have a valid SSN and live in the US (including DC) with a US address and phone number. Chime's FAQ states it currently only accepts SSNs, so non-residents and ITIN-only applicants generally cannot open an account.
These are stable, standing account benefits (not time-limited) — available as long as you qualify:
No. Chime is only for people aged 18+ who live in the US (including DC) with a valid SSN, so non-residents, visitors and ITIN-only applicants usually cannot open an account.
Nothing. There is no minimum opening deposit and no minimum balance, so the account can be opened and kept at $0.
Provide your name, date of birth, SSN, US address, US mobile number and email, and upload a government-issued photo ID — all done online.
Applying online or in the app takes about two minutes, with no credit check, no ChexSystems check and no branch visit; the debit card typically arrives in 7–10 business days.
Common reasons: no valid SSN, identity cannot be verified, non-US address or phone number, or suspected inaccurate information or fraud.
Standing benefits: No Monthly Fee, No Min Deposit, Fully Online, Digital Bank, Fast Approval. Promotions change by region and quarter — always check the bank's official promo page (verified 2026-10).
Having documents ready lowers the chance of rejection; policies change, so confirm with the bank before applying.