Chime

Fintech

Fee-free mobile banking, early direct deposit, and credit building for everyday people.

Official Chime Careers Website

Quick Facts

Headquarters: San Francisco, California, USA
Founded: 2012
Employees: 1,500+
Valuation: $25 Billion

About Chime

Chime is a premier US consumer fintech company providing mobile banking services designed to help everyday Americans manage their money. Partnering with FDIC-insured banks, Chime offers fee-free checking accounts, high-yield savings accounts, early paycheck access (SpotMe), and fee-free overdraft protection.

With over 15 million active account holders, Chime eliminates traditional fee barriers to financial peace of mind.

What Chime Does

Checking & Mobile Banking App

No-fee checking accounts with automatic savings, real-time transaction notifications, and 60,000+ fee-free ATMs.

SpotMe & Early Direct Deposit

Fee-free overdraft protection up to $200 and access to direct deposit paychecks up to two days early.

Credit Builder Visa Card

Secured credit card helping members build credit history with no annual fees, interest, or credit check required.

High-Yield Savings

Automated round-up savings tools and high-yield interest accounts encouraging long-term wealth building.

Career Areas

Types of professional roles found inside Chime.

Software & Mobile Engineering
Product & User Experience
Data Analytics & ML
Member Operations & Trust

Chime's History

2012
Founding in San Francisco
Chris Britt and Ryan King established Chime to create a financial model aligned with consumer interests rather than fee extraction.
2019
Launch of SpotMe Overdraft
Introduced SpotMe fee-free overdraft protection, saving members hundreds of millions of dollars in bank fees.
2021
$25B Valuation Milestone
Raised $750M in Series G funding, solidifying its position as America's leading digital banking fintech.
2024
Product Scale & MyPay
Surpassed 15+ million active customer accounts and introduced MyPay early wage access capabilities.