How do I open a Chime account?

To become a Chime member, start by opening a Checking Account. Here’s what you’ll need:

A valid Social Security number.
A U.S. mobile phone number.
You must be at least 18 years old.
You must be a citizen or a legal resident of the United States.
A United States Post Office-recognized residential mailing address (P.O. boxes and commercial addresses aren’t accepted).
You can only have one checking account with Chime.

You can open a Checking Account in the Chime app or at chime.com.

If your application wasn't approved

Chime uses a third-party verification service to confirm the information you submit during enrollment. If your information can't be verified, your application may be denied. A few things to try:

Make sure you don't already have a Chime Checking Account. Only one checking account is allowed per person.
Enter your information accurately and complete the entire enrollment process before closing the page.
If you applied on the website, try the app instead — or vice versa.
We only accept the following unexpired forms of ID:
- US driver’s license
- US State ID
- US Passport or passport card
- Permanent resident card
- Employment Authorization card
- Tribal Government ID

If you didn't finish signing up

If you created a profile but didn't complete enrollment, log in to the Chime app and finish from there. If you never created a profile, start over at Chime.com or in the app.

If you signed up with an incorrect email address, you can correct it in the Chime app or on Chime.com.

Account types and credit

Chime Checking Accounts are for individual, personal use only. Chime doesn't offer business accounts, or secondary cards – one Chime Visa® Debit Card is issued per Checking Account.

Chime doesn't run a credit check to open a Checking Account. Credit Builder and Chime Card payment history may be reported to credit bureaus. Opening the Checking Account itself has no credit impact.