Chime Advertiser Disclosures
Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime 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.
3. 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 August 25, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.
4. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
5. 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.
6. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
7. The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
SoFi Advertiser Disclosures
SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.
¹No account, service, or maintenance fees for SoFi Checking and Savings. A transaction fee applies to outgoing wire transfers. Incoming wire transfers are free, though the sending bank may charge a fee. Fee policy subject to change. See sofi.com/legal/banking-fees/.
²New SoFi Checking and Savings members can earn up to 4.00% APY with a limited-time 0.70% APY Boost to the current Savings APY of 3.30%, available with Eligible Direct Deposit or Qualifying Deposits (rate current as of 3/31/2026). Rates are variable and subject to change. See full Boost terms at sofi.com/legal/banking-rate-sheet.
³New and existing members who have never set up direct deposit with SoFi can earn a bonus of $50 (with $1,000–$4,999.99 in Eligible Direct Deposits) or $400 (with $5,000 or more) received within 25 days of first deposit. Offer available through 12/31/2026. One bonus per member. SoFi reserves the right to modify or end the promotion at any time. Bonuses may be reportable as miscellaneous income.
⁴SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership. Additional coverage up to $3M available through the SoFi Insured Deposit Program. See sofi.com/banking/fdic/sidpterms.
⁵We've partnered with Allpoint to provide access to 55,000+ fee-free ATMs. Third-party fees may apply at out-of-network ATMs. ATM policies subject to change.
⁶Early direct deposit access is based on notice from the Federal Reserve, typically up to two days before the scheduled payment date, but may vary.
⁷Overdraft Coverage is available to account holders with $1,000 or more in Eligible Direct Deposits within a rolling 31-day period. Coverage is limited to $50 on debit card purchases only. Does not apply to P2P transfers, bill payments, or checks. Members with a history of unpaid negative balances are not eligible. Eligibility determined by SoFi Bank at its sole discretion.
