Chime · U.S. checking accounts

Chime Checking Account

A digital checking account with no monthly maintenance fee or minimum opening deposit. Chime’s current help center requires an SSN, a U.S. residential mailing address, age 18 or older and U.S. citizenship or legal residence.

Pros

No monthly maintenance fee or minimum opening deposit.
No credit check for checking; checking itself does not build a credit score.
Fee-free withdrawals at eligible in-network ATMs.
Free cash deposits at Walgreens and Duane Reade.

Cons

A valid SSN and accepted unexpired ID are required.
U.S. citizenship or legal residency and a residential mailing address are required.
One individual personal checking account per person.
Outside-network withdrawals cost $2.50 plus possible operator fees.
SpotMe requires qualifying deposits and approval; limits and early-pay timing are not guaranteed.

Generated from the provider's published terms and reviewed against official sources.

Costs and key facts

Recurring fee	0 (currency not confirmed)
Minimum opening deposit	0 (currency not confirmed)
SSN requirement	Required
ITIN accepted	Not confirmed
Credit check	None

Eligibility and application requirements

U.S. address: Required

Residency and other conditions: Applicants must be at least 18, be U.S. citizens or legal residents, and have a valid SSN, U.S. mobile number and USPS-recognized residential mailing address. Chime requires accepted, unexpired identification; its list includes U.S. government IDs, permanent resident cards and Employment Authorization cards. A foreign passport alone is not listed. Accounts are individual, and identity approval is required.

Geographic restrictions: Not confirmed. Confirm availability in your state.

Product review: 17 Oct 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare u.s. checking accounts requirements and costs · How we assess published requirements

Service fees

Overdraft / returned item	0 (currency not confirmed)
Outgoing domestic wire	Not confirmed
Incoming wire	Not confirmed
Outgoing instant transfer	1.75%
Incoming instant transfer	Not confirmed
Global remittance	Not confirmed · Chime does not support incoming or outgoing domestic/international wires or its own international transfers. Incoming wires are returned; the sender’s bank may charge. International transfers require a third-party service. Source: https://help.chime.com/does-chime-offer-international-transfers-d7f2cf85
Allpoint ATM	0 (currency not confirmed)
Other ATMs	$2.50 per outside-network ATM or over-the-counter withdrawal; the operator may add a fee. Allpoint, Visa Plus Alliance and FCTI ATMs inside 7-Eleven are in-network.
Cash deposit	Cash deposits at Walgreens and Duane Reade have no Chime fee; other participating retailers may charge.