Chime
Built to end overdraft fees for paycheck-to-paycheck America; grew on two-day-early wage access and fee-free SpotMe.
Largest US neobank; 20M+ members; SpotMe overdraft.
The facts
| Category | traditional |
| HQ | San Francisco, US |
| Founded | 2013 |
| Custody | Custodial |
| Regulation type | Partner-bank model |
| Licence detail | Partner banks (The Bancorp, Stride) |
| Card | Visa · Debit |
| Yield | ~2% APY savings |
| Stablecoins | No |
| KYC | Yes |
| Active regions | North America |
| Countries | United States |
| Reported users | 22M members (2024) |
| Founders | Chris Britt, Ryan King |
| Funding | ~$2.3B raised |
Verified links: official site ↗ · terms ↗ · privacy ↗ · @Chime ↗
comparePut Chime side by side with any of the other 356 tracked neobanks in the directory — custody, licence, cashback, yield, stablecoins and geography in one view.
Peers
Wise · Varo · Current · SoFi · Ally Bank · Dave
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.