A new way to build credit

Increase your credit score by an average of 30 points² with our new secured credit card

No annual fee or interest

Time from sent till received: Instant. As we covered in our guide to adding money to. Chime offers Mobile Check Deposit for any members who are enrolled in direct deposit with their Chime Spending Account. If you have any questions, please reach out to us via the Support tab in your Chime.

No credit check to apply

No minimum security deposit required³

No fees or surprises

We’re here to help you break free from fees, annual interest, and large security deposits

No credit check to apply

Everyone deserves a fair shot at good credit, so we don’t check your score when you apply

Make every purchase count

Whether it’s gas or groceries, now everyday purchases can count toward building credit

Safer credit building

Turn on Safer Credit Building and your balance will be automatically paid on time, every month. We’ll keep the major credit bureaus updated.⁴

Join more than 1.5 million members already using Credit Builder

Available for Chime Spending Account holders with eligible direct deposit¹

Already a Chime member? Learn how to sign up for Credit Builder

See what our members are saying

“This card has changed my credit score for the good and I love it”

'My fiancé and I wants to buy a house...It(Credit Builder) is slowly but surely moving me and my family closer to our dreams.'

'I'm new to credit so it feels really good seeing that I'm safely increasing my score.'

Questions?

Here’s everything you need to know about our Credit Builder

Before Applying

All you need is a Chime Spending Account and direct deposits of $200 or more within the past 365 days.

Don’t have a Chime Spending Account? Apply for one in under two minutes!

No way! We think everyone deserves a chance to build credit, so we don’t check your credit score when you apply.

Yes. We designed Credit Builder to work with the Chime Spending Account so that you can move money instantly—across your Chime accounts!

Nope! We do not charge fees; no annual fees, maintenance fees, international fees, and no interest.

Credit Builder offers features that help you stay on top of key factors that impact your credit score. Consistent use of Credit Builder can help you build on-time payment history, increase the length of your credit history over time, and more. We report to the major credit bureaus – TransUnion®, Experian®, and Equifax®.

Learn more about crediting building with Credit Builder.

Unlike traditional credit cards, Credit Builder helps you build credit with no fees and no interest. There’s also no credit check to apply!

Credit Builder is a secured credit card. The money you move into Credit Builder’s secured account is the amount you can spend on the card. Unlike other secured credit cards, that money can be used to pay off your monthly balances. Since Credit Builder doesn’t have a pre-set limit, spending up to the amount you added won’t contribute to a high-utilization record on your credit history.

Learn more about how Credit Builder works.

Yes, Credit Builder is a secured credit card. The money you move to the Credit Builder secured account is how much you can spend with the card. This amount is often referred to by other secured credit cards as the security deposit. Like other secured credit cards, Credit Builder also reports to the major credit bureaus, to help you build credit history over time.

However, for most secured credit cards, security deposits are unavailable to you, the consumer, until you close the account. With Credit Builder, you can use your deposit to pay for monthly charges. Plus, Credit Builder charges no fees and no interest, and no minimum security deposit required!

Yes, Credit Builder reports to the 3 major credit bureaus—TransUnion®, Experian® and Equifax®

Credit Builder doesn’t have a pre-set credit limit. Instead, the money you move into your Credit Builder secured account sets your spending limit on the card.

With traditional credit cards, using a high percentage of your available credit limit could negatively impact your credit score. You don’t have to worry about that with Credit Builder because Chime does not report credit utilization.

How much you can spend with Credit Builder is shown to you as Available to Spend in the Chime app.

Nope. Credit Builder doesn’t report percent utilization to the major credit bureaus because it has no pre-set credit limit. That means spending up to the amount you added will not show a high-utilization card on your credit history. So rest assured to use Credit Builder for your everyday purchases and let them count towards credit building!

New member basics

After you enroll, it’ll take on average 5-7 business days for your Credit Builder card to arrive.

It’s easy! Just go to the Chime app > Settings > Credit Builder > Activate Card.

You can use the Credit Builder card anywhere Visa® credit cards are accepted.

It is an account that holds the money you’ve moved to Credit Builder. This money determines the amount you can spend with your Credit Builder card (a.k.a credit limit). You get to set your own limit by moving any amount to and from your Credit Builder secured account whenever you want.

When you make a purchase, a hold is placed on that money you just spent in your secured account. You can use this money later, to pay your monthly balance. Your Available to Spend will also go down. This way, you know how much more you can spend with your Credit Builder card.

Your Available to Spend is the money you’ve moved to your Credit Builder secured account minus the amount you’ve charged on your Credit Builder card. Move money from your Chime Spending Account into Credit Builder to increase Available to Spend any time!

No, you cannot move money from other banks to your Credit Builder secured account. You can only do that from your Chime Spending Account.

Moving money between Chime Spending Account and Credit Buildertakes ~60 seconds! Once the transfer is complete, your transaction history will reflect the change and your Available to Spend will update.

Safer Credit Building is a feature that allows you to automatically pay your monthly balance with the money in your Credit Builder secured account. Turn it on, so your monthly balances are always paid on time! Learn more about how it works here.

Move My Pay is an optional Credit Builder feature that allows you to automatically move a set amount from your Spending Account to Credit Builder whenever you get paid. You can always make changes or move money between your Chime accounts at any time.

You can pay off your Credit Builder charges in 3 ways:

1. Our recommendation is to turn on Safer Credit Building. When you make a purchase, the money you spent is put on hold in your secured account. Safer Credit Building uses that money to automatically pay your monthly balance. This will help you avoid late payments and outstanding balances.
2. If Safer Credit Building is not turned on, Manual Payments can still be made at any time by going to Settings → Safer Credit Building → Make a Payment.
3. ACH Payments can be made from any bank by using Credit Builder’s account and routing numbers. To find them, go to Settings → Safer Credit Building → Make a Payment → Paying with another bank

Credit Builder statements are available by the 28th of each month and due on the 23rd of the following month.

If you miss a payment, we’ll disable your Credit Builder card and ask you to pay your overdue balance. See “How and when do I pay off the card?” on how to make a payment.

If your balance due isn’t paid in full after 30 days, we may report information about your account to the major credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report.

For the Credit Builder Visa Credit Card Agreement, please visit: https://www.chime.com/chime-credit-builder-visa-credit-card-agreement/

For the Credit Builder Application Disclosure and Secured Account Agreement, please visit: https://www.chime.com/chime-credit-builder-application-disclosure-and-secured-account-agreement

Stimulus payments and Chime

If you are a Chime member, you will be able to find out more about the status of stimulus payments on this page. We will be adding more details as we receive information regarding processing and payment timing.

Please note that our member support agents do not have information on the status of Economic Impact Payments.

Updated Jan 11th, 2021

If you have not received a stimulus payment yet, you may be impacted by an IRS error.

How Long Does It Take For Chime Mobile Check Deposit

The IRS recently announced that it will reissue payments for all those affected by Feb 1. Most members should receive payment via direct deposit, or in some cases, paper checks.

We will continue to make payments available as soon as they arrive and keep you updated.

We've got your back

We’re offering temporary access to $200 of spending power through SpotMe to a random selection of eligible Chime members before their stimulus payments arrive.

Direct deposit your stimulus with Chime›

No hidden fees¹. Grow your savings automatically. Fee-free overdraft for eligible members².

Check my payment status›

Get information from the IRS on the status of your Economic Imapct Payment

We've got your back 💚

If you have questions regarding the stimulus payment and your Chime account, please check out our FAQ below.

If you’re eligible for an economic impact payment, but haven’t gotten it yet, it’s likely that the IRS will send you a paper check or debit card. This is expected to start soon and continue throughout the month of January.

If you received the previous stimulus payment as a direct deposit and haven’t received a second stimulus payment, the IRS likely routed your payment to tax preparer companies instead of your account. These payments were rejected and returned to the IRS. If you were impacted, you’ll either receive a paper check or a debit card from the IRS. If you do not receive your payment in any form, then you can claim the Recovery Rebate Credit on your 2020 tax return.

To check the status of your payment, go to IRS.gov/eip and use the Get My Payment tool.

For more information check out the IRS stimulus FAQs.

As with all direct deposits, Chime will make your money available the moment we can. Unfortunately, we have no way to track the status of your payment until it arrives in your account, but you may get your stimulus check early.

Mobile Check Deposit Chime Bank

We’re offering temporary access to $200 of spending power through SpotMe to a random selection of eligible Chime members. The new SpotMe limit is temporary and limits will be adjusted to normal levels once stimulus payments are distributed.

Also, this increase cannot be combined with any offers or other bonuses. The maximum SpotMe limit is $200. Learn more here.

Chime Bank Mobile Check Deposit Faq Checking

Your increased SpotMe limit is not an advance from Chime, a loan, or an addition to the government stimulus. It’s simply a step toward helping make the expected payment available to use as soon as possible.

Deposit Check On Chime

Protect yourself from scams. If someone is offering you a faster stimulus payment in exchange for money or information, they are a scammer. The IRS has noted a wave of new schemes involving Stimulus Payments. Most schemes involve attempts to collect your personal or financial information in order to receive your payment sooner, but other schemes may involve first sending you a bogus check and requiring that you call in with or mail in additional information.

If you are the target of a scam, you can report it to the IRS by emailing phishing@irs.gov. For more information, see the IRS’s Coronavirus scams page.