Chime doesn't require a minimum balance. It has no monthly fees or overdraft fees. There are also no fees for using direct deposit.
We don’t believe in hidden fees or profiting from our members’ misfortune. We want to keep everything out in the open so you know exactly what fees we may charge, which are listed below.
| Fee Description | Fee Amount and Frequency |
| Cash Withdrawal Fee (applies to both ATM and Over The Counter “OTC” withdrawals) * |
$2.50 (per transaction) out-of-network ATM withdrawal fee. No fee for transactions at any Allpoint® or Visa® Plus Alliance ATMs, or at MoneyPass® ATMs located in 7 Eleven, Inc. locations. MoneyPass® ATMs not in a 7 Eleven, Inc. location will be subject to fee(s). |
| Instant Transfer of Funds Out of your Checking Account to a provided destination account (the “ITFO Service) |
1.75% of the total amount of funds to be transferred for each ITFO Service transaction. |
All fee amounts will be withdrawn from your Chime Checking Account. They will be assessed as long as there is a remaining balance in your Chime Checking Account, except where prohibited by law.
Any time your remaining balance is less than the fee amount being assessed, the balance of your Chime Checking Account will be applied to the fee amount. This results in a zero balance on your Chime Checking Account.
*If you use an ATM outside our network for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator, even if you do not complete a withdrawal. This ATM fee is a third-party fee amount assessed by the individual ATM operator only and is not assessed by us. This ATM fee amount will be charged to your Chime Checking Account.