Chime Visa® Debit Card
The Chime Visa® Debit Card offers a fee-free, digital banking experience with early direct deposit, automatic savings, and access to 60,000+ fee-free ATMs.
By: Widescope4
Get Paid Early
Receive your paycheck up to two days early with direct deposit.
No Hidden Fees
Enjoy banking without monthly maintenance fees, overdraft fees (up to $200 with SpotMe® eligibility), or minimum balance requirements.
Access to 60,000+ ATMs
Withdraw cash at over 60,000 fee-free ATMs nationwide, including at major retailers.
Security You Can Trust
Instantly block or unblock your card in the app and get real-time transaction alerts.
All About the Chime Visa® Debit Card
The Chime Visa® Debit Card is a smart, flexible option for anyone looking to simplify their banking experience. Issued by The Bancorp Bank, N.A. or Stride Bank, N.A., members can use the card anywhere Visa® is accepted. It’s linked directly to your Chime Checking Account, allowing you to access your money easily for everyday purchases, bill payments, and withdrawals. One of its standout features is early direct deposit—members can get paid up to two days early when their employer sends payment information to Chime. The card also eliminates traditional banking hassles by charging no monthly maintenance fees, no overdraft fees (up to $200 with SpotMe®), and no minimum balance requirements. Plus, with access to over 60,000 fee-free ATMs at retailers like Walgreens, CVS, and 7-Eleven, you can withdraw cash without extra charges. Security is at the heart of Chime’s approach. You can instantly disable your card from the Chime mobile app if it’s lost or stolen, receive real-time transaction notifications, and enjoy Visa® Zero Liability protection against unauthorized charges. Whether you’re managing daily spending or building better financial habits, the Chime Visa® Debit Card combines flexibility, safety, and convenience in one modern package.
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Do I need a credit check to get the Chime Visa® Debit Card?
No, Chime does not perform a credit check when you open an account or request a debit card.
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How do I qualify for early direct deposit?
Set up direct deposit with your employer or benefits provider. You could receive your paycheck up to two days earlier than traditional banks.
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Are there any fees with the Chime Visa® Debit Card?
No monthly fees, no overdraft fees (up to $200 with SpotMe® eligibility), and no minimum balance requirements.
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Can I use my Chime Visa® Debit Card at ATMs?
Yes, you can withdraw cash fee-free at over 60,000 ATMs nationwide, including Walgreens, CVS, and 7-Eleven.
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How long does it take to receive my Chime Visa® Debit Card?
Your physical card usually arrives within 7–10 business days after account approval.
How to Apply for the Chime Visa® Debit Card
Applying for the Chime Visa® Debit Card is fast, free, and 100% online. Simply visit chime.com or download the Chime app to begin. You’ll be asked to provide some basic information—your name, address, date of birth, and Social Security number—to verify your identity. Once approved, you’ll automatically receive a Chime Checking Account and can start using your digital debit card right away while waiting for your physical card to arrive in the mail. There’s no credit check required to open a Chime account, making it accessible for those building or repairing credit. Once you set up direct deposit, you can begin receiving your paycheck up to two days early. The Chime app also allows you to track spending, manage your account, and even round up transactions to help you save automatically. Your physical Chime Visa® Debit Card typically arrives within 7–10 business days. After activation, you can use it for purchases, ATM withdrawals, and transfers anywhere Visa® is accepted. Applying for the Chime Visa® Debit Card gives you access to a fee-free, transparent, and mobile-first banking experience built for your financial goals.