How do I become a Chime member?


You can sign up for a Checking Account by downloading the Chime mobile app for iPhone or Android or by visiting


Double-check your name, email address, and phone number before submitting your enrollment.  


How old do I have to be to open a Checking Account?

You must be at least 18 years old to open a Checking Account. 


Do I have to be a U.S. resident to get a Checking Account?

Yes. Chime is only available to citizens and permanent residents of the fifty (50) United States and Washington, D.C. You must use a United States Post Office-recognized residential mailing address.


Why do you need my personal information? 

Chime needs your personal information to help the government fight the funding of terrorism and money-laundering activities. Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.


Why was I unable to open a Checking Account?

Chime uses a third party to confirm the personal information that you enter when you apply for a Checking Account. If your personal information cannot be verified, the application will be denied. Here are some tips to help you with the enrollment process:

  • Make sure that you do not already have an account through Chime. Only one account is allowed per person.
  • Provide all the items requested accurately.
  • Submit a photo ID, if requested. We only accept the following, unexpired, forms of identification:
    • U.S. driver's license
    • U.S. state ID
    • U.S. passport
    • U.S. passport card
    • Permanent resident card
    • Employment authorization card (work permit)
  • Upload clear, well-lit images.
  • Complete the entire enrollment process before closing the page.


What do I do if I enrolled with an incorrect email address? 

You can correct your email address in the Chime app or on our website. 

Chime app
  1. Tap Need help? on the login screen.
  2. Select I forgot my email address.
  3. Enter the phone number you used to sign up for the account.
  4. Follow the steps provided to correct your email address. 


Does Chime offer joint accounts?

No. Chime does not currently offer joint accounts.


Does Chime run a credit check to open a Checking Account?

No. Chime doesn’t perform credit checks to open a Checking Account.

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Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

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