Chime Visa® Debit Card and Checking Bank Account

Enjoy a fee-free spending account with a complimentary debit card

Updated: Oct 07, 2023

Advertiser Disclosure

The Chime Visa debit card, issued by Bancorp Bank, is paired with a free second chance spending account, allowing for fast approval and convenient access to funds. With no fees, automatic savings features, and an included savings account boasting a 2.0% APY, the Chime debit card provides a seamless banking experience.




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30 User Ratings

Chime Visa® Debit Card and Checking Bank Account

at Chime's Secured website

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Application Fee


Credit Reporting


Recommended Credit Score

Accepts All

Key Features

  • No opening fees
  • No monthly maintenance charges
  • No foreign transaction fees
  • No minimum balance fee
  • Get paid up to 2 days early with a direct deposit*
  • With optional SpotMe®, you can overdraft up to $200
  • 2.0% Annual Percentage Yield (APY) with a free savings account
  • 60K+ fee-free ATMs (Walgreens, 7-Eleven, CVS, and more)
  • Supports Apple Pay and Google Pay mobile payments
  • Free card replacement
  • 2 minutes application with no impact on your credit score

Our Take

The Chime Visa Debit Card is a complimentary card included with a Chime second chance spending account. Issued by Bancorp Inc, this card offers a range of attractive features such as no international transaction fees, no minimum balance requirements, and free card replacements. In addition to the spending account, Chime provides a free savings account and a fee-free overdraft feature with the optional SpotMe service. Unlike prepaid cards, the Chime Visa debit card is directly linked to your account, making it an appealing alternative to options like Netspend (See Chime vs Netspend).

Key Benefits of the Chime Visa Debit Card

  1. No hidden fees: Chime sets itself apart by eliminating fees. With Chime, there are no account opening fees, account maintenance fees, foreign transaction fees, or card replacement fees. However, it’s essential to note that out-of-network ATM fees may still apply.
  2. Automated savings: Chime’s services include an automatic savings feature and a free savings account with high APY rates, making it easier than ever to grow your savings.
  3. Early paycheck access: Chime’s direct deposit feature enables you to receive your paycheck up to 2 days earlier than with traditional banks, ensuring quicker access to your hard-earned money.
  4. Optional SpotMe service: Chime’s SpotMe feature allows cardholders to benefit from fee-free overdraft protection. While the service is optional, it has certain eligibility requirements to keep in mind.
  5. Extensive ATM network: As a Chime cardholder, you gain access to over 60,000 ATMs nationwide at popular stores like 7-Eleven, Walmart, CVS, Walgreens, and more. Use the Chime app to locate the nearest fee-free ATM for added convenience.

Learn more: What is Chime?

In summary, the Chime Visa Debit Card stands out as a versatile and user-friendly option for those seeking a second chance spending account. With its fee-free structure, automatic savings, early paycheck access, optional SpotMe overdraft protection, and extensive ATM network, Chime presents a compelling alternative to traditional banking and prepaid cards like Netspend.

Chime Visa Debit Card Competition

Frequently Asked Questions

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Basic Information
Issuer: The Bancorp Inc.
Network: VISA®
Category: Consumer (Stored Value)
Review: Full Card Review
Best Used For:
  • Cards for Bad Credit
  • Instant Decision
  • No Foreign Transaction Fee
  • EMV Chip
  • No Credit / New to Credit
  • Pre-Qualification
  • Debit Card
Rewards: No
Rates & Fees
Annual Fee: $0
Opening Min: $0
Application Fee: $0
ATM Fee: $0
Other Fees:
  • Int'l Transaction Fee: $0
  • Card replacement fee: $0

Chime Visa® Debit Card and Checking Bank Account Alternatives

Chime Visa® Debit Card and Checking Bank Account

Chime Visa® Debit Card and Checking Bank Account


Annual Fee


Regular APR


Intro APR


Rec. Credit Score

Accepts All

Additional Information & Comments

- Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
* - Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
⌃ - Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.
- Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
- The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of July 13, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.

*The information provided for Chime Visa® Debit Card and Checking Bank Account is believed to be accurate at the time of evaluation or recent update on October 07, 2023. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

Chime Visa® Debit Card and Checking Bank Account

Reviews - (1 User Reviews)
Share your experience and rate the Chime Visa® Debit Card and Checking Bank Account
October 7, 2021
Sara (36-45) - Applicant
Income on Application
Credit Score
Fair (580-669)
Credit Limit
Filed for Bankruptcy

Gonna get it

I like this card as it is better then any prepaid because it had no fees. Big plus is that it comes with auto savings that lets me grow my savings without even knowing. I applied for it and waiting for card to arrive. Thank you!
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Chime Visa® Debit Card and Checking Bank Account

Chime Visa® Debit Card and Checking Bank Account

Rec. Credit Score: Accepts All

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