Email Spam Log: Welcome to Chime! Let’s dive in.

We're so happy you're here.

You're in the right place for financial progress. Get started by adding money to your Chime Visa® Debit Card to begin spending—but don't stop there.

Fund your account

Here's what next for you:

Sign into the Chime App.
Your new best friend for financial progress is just a tap away. Get the app.

Add money to make purchases.
Your card is in the works, but you can use your virtual card now and choose how you want to fund your account.

Keep an eye out.
Your physical Chime Visa® Debit Card is on its way. Check that mailbox.

Fund your account

Direct deposit is your key to unlocking even more.

Unlock even more of Chime with Chime+. Get paid when you want, fee-free overdraft, plussed-up savings, and more, for free when you make a qualifying direct deposit.*

Unlock Chime+ with direct deposit

💚 from Chime
Questions? We're here to help.

©2025 Chime Financial, Inc. All rights reserved.
PO Box 417, San Francisco, CA 94104

Please do not reply to this email. The account isn't monitored, and we don't want to miss hearing from you.

MyPay® line of credit provided by Stride Bank, N.A.. MyPay services provided by Chime Capital, LLC (NMLS 2316451).

*To be eligible for Chime+™ status, you must receive a qualifying direct deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime+ perks have additional eligibility requirements. While some Chime+ perks may have associated fees, none of these fees are mandatory to access Chime+ perks or to maintain Chime+ status. See Chime+ Terms and Conditions for details.

†To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House ("ACH") or Original Credit Transaction ("OCT"). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Stride MyPay Agreement for details.

‡SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.

Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined 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 SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners' discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won't cover non-card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe terms and conditions.

^§The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY rate is effective as of August 28, 2025. No minimum balance required. Must have $0.01 in savings to earn interest. The 3.75% Chime+ APY is available only while you maintain eligibility requirements for Chime+, otherwise the 1.25% APY for non-Chime+ members will apply. See Chime+ Terms and Conditions for more details.

**On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

††Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. Ranking according to the Federal Reserve Statistical Release based on domestic assets; number of ATMs self-reported by Chase, Bank of America and Wells Fargo - June 2025.

‡‡Eligibility requirements and limits apply. See Chime Deals® Terms and Conditions.

To report this account as opened without your permission, please call us at 1 (844) 244-6363.

Chime® is a financial technology company, not an FDIC-insured bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

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

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Thursday, August 28, 2025

Welcome to Chime! Let’s dive in.

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