Chime risk score

Chime is a pioneering financial technology company that was founded in 2012 with a mission to make banking services more accessible, transparent, and beneficial for everyone. The company is headquartered in the United States and operates with a commitment to helping individuals achieve financial progress through innovative solutions and services.

At its core, Chime focuses on simplifying banking for its members by providing a user-friendly app and intuitive financial tools designed to give users greater control over their finances. Chime offers a range of features including fee-free accounts, the ability to receive paychecks up to two days early through direct deposit, opportunities to build credit history, and educational resources aimed at enhancing financial literacy.

Chime's approach to banking is centered around the needs of its members, which has led to the development of products and services that directly respond to user feedback. This member-centric strategy has not only allowed Chime to grow its team to over 1500 employees across three offices but has also positioned the company as a disruptor in the banking industry. By focusing on the financial well-being of everyday Americans, Chime has significantly influenced how people manage and discuss their finances on a national scale.

Banking services through Chime are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., both of which are members of the FDIC, ensuring a secure and reliable banking experience. Chime continues to expand its offerings and remains dedicated to redefining the banking landscape to better serve and empower its members.

*Note: Early access to direct deposit funds depends on when the payment file is submitted by the payer. Chime typically makes these funds available on the day the payment file is received, which can be up to two days before the scheduled payment date.