Chime

Chime Financial, Inc. is an American financial technology company that provides fee-free mobile banking services to consumers in the United States. Founded in 2012 by Chris Britt and Ryan King, with services beginning in 2014, the company is headquartered in San Francisco, California. Banking products are delivered through partnerships with two national banks, Stride Bank and The Bancorp Bank, Members FDIC. Chime has been publicly traded on Nasdaq under the ticker CHYM since June 2025.

The company's engineering work spans mobile banking, fintech, consumer financial applications and payments technology. Its mobile application offers checking and savings accounts with no fees, a debit card, early access to direct deposits ahead of payday, MyPay, an earned wage access product allowing customers to draw on wages already earned, fee-free overdraft coverage, and an interest-free secured credit card. Chime also operates two premium membership tiers, Chime Prime and Chime Plus, which generate subscription revenue; the debit card drives revenue through interchange fees when customers use it for purchases.

Chime states its mission as "Unlock Financial Progress" for everyday Americans, with a product focus on fee-free, consumer-friendly financial services. The company operates across the consumer banking, financial technology, payments and consumer credit verticals.