Chime was created because we believe everyone can unlock financial progress, and we want to develop solutions and services to empower people to succeed. The premise upon which we started Chime is simple: basic banking services should be helpful, transparent, and easy. Our easy-to-use tools and intuitive platforms give members the ability to have more control over their money and to take action toward achieving their financial ambitions. By designing a member-centric banking app with easy-to-understand financial tools, we’re creating a more competitive market with options for everyday Americans. We offer access to accounts with no overdraft fees, provide members the chance to receive their pay up to 2 days early* with direct deposit, help them build credit history, and build financial literacy to hit their goals—among many other things. Since 2012, we’ve grown our team to more than 1300 Chimers across 3 offices. But more than that, we’ve expanded the products and services we offer to our members based on member feedback. And in doing so, we’ve disrupted the banking industry and changed the conversation for everyday people about money on a national level. Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. *Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
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#ICYMI: #Money2020USA will be bringing together Mastercard's Chief Marketing & Communications Officer Raja Rajamannar, Chime's CMO Vineet Mehra, and Effie Worldwide's Global CEO Traci Alford for a powerful conversation on how algorithms now read financial stress. Discover how leading brands balance automation with empathy to build trusted relationships at scale: https://lnkd.in/gmnBQkjT
Yesterday at the SEMAFOR World Economy Summit, our CEO Chris Britt sat down with Liz Hoffman to talk about where Chime—and the future of financial services—is headed. Here are a few takeaways 👇 💪 The everyday consumer is holding strong. With 8.7 million active members, Chime has a unique window into how everyday Americans are doing financially. “We see a very resilient consumer,” Chris shared. “Savings account balances are up year over year.” 💵 There’s a generational shift happening in banking. “We’re focused on the 80% of Americans earning up to $100K—that’s a huge segment of everyday Americans who aren't served well by traditional banks,” Chris said. “We've barely scratched the surface and see huge opportunities ahead.” 🏦 The bank partnership model drives member-obsessed innovation. Our approach—directly partnering with community banks to hold deposits while Chime delivers the tech experience—is becoming a widely accepted model. “It’s a win-win,” Chris shared. “Consumers get free or low-cost banking, while community banks benefit from partnering with us.” 🤖 AI is changing the game. “AI is everything at Chime,” Chris said. “Not only have we substantially reduced the cost to serve, we’ve also doubled our member satisfaction scores on the interactions.” Looking ahead, “we see a world where you have an AI partner on your phone—a co-pilot for your finances.” Photo credit: Semfor/Kris Triplaar
💸 Trick or treat... or spend? Chime dug into Halloween spending habits—and let’s just say, one generation is really committed to the bit. Can you guess who dropped the most on spooky season? 🗳️ Poll below—and yes, there’s a right answer. Read the full breakdown on Halloween spending in the comments. ⬇️
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You can’t rewire an industry for today’s needs using yesterday’s assumptions. AI is giving us a chance to reimagine how financial services are designed, delivered, and scaled. At this year’s Money20/20, Chime Co-Founder Ryan K. joins Megan Caywood Cooper, CEO of Caywood, an AI-powered WealthTech startup, for a candid fireside chat on Rewiring Financial Services DNA. They’ll dive into how AI is changing the way we build—from accelerating innovation and rethinking scale to responsibly deploying models in a trust-first, regulated space. 🔗: https://lnkd.in/gZwZwtD4
Systems aren’t just about processes. Compensation isn’t just about numbers. For Chimers like Vanesa Molina and Luisa Almonte, building people-first tech and fair pay practices is rooted in something deeper: a belief in equity, community, and care, which is shaped by their Costa Rican and Dominican heritages. This Latin American Heritage Month, we’re proud to spotlight their leadership. From performance tools to pay transparency, Vanesa and Luisa are showing how heritage, equity, and innovation go hand in hand. 💚 Read their stories on the Life at Chime blog → https://lnkd.in/gRe5jNfq
When you build with purpose, people notice. 👀 TIME just ranked Chime #1 in the banks category on its World’s Best Brands list, recognized for awareness, social buzz, likeability, usage, and loyalty. From “Mama, I Made It” to Financial Progress Month®, to the everyday stories of our members unlocking financial progress—this is what building a generational brand looks like. We’re honored. We’re grateful. And we’re just getting started. Check out the full list in the comments. ⬇️ Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
What does thoughtful AI leadership look like in practice? At Chime, no one has this all figured out yet—but we’re putting real practices in place and learning faster every week, building responsibly as we go. To share more on the topic, Michael Barrett, our VP of Engineering, recently joined panels at ELC 2025 and SF Tech Week to explore how AI is reshaping engineering leadership. We packaged up a few of his key points on what we’ve been trying inside Chime: → Weekly AI Build Hours that ship real improvements → New ways of hiring—focused on how candidates use AI in real-world settings → Clear guardrails that balance speed with responsibility → Powered by our stack (ChimeCore + unified data), which lets us move fast and stay safe → A mindset shift: it’s not just about faster coding, but stronger systems As Michael puts it, real transformation means investing in both the “painting” and the “plumbing”—the creative and the mission-critical. Because at the end of the day, better engineering systems don’t just help our teams — they mean faster, safer, and more reliable products for our members. Check out the full Q&A for a look at how we’re building our Engineering AI playbook, one iteration at a time. https://lnkd.in/gKcpNKEp
What does financial progress look like at scale? Every quarter, The Progress Report brings you the latest from Chime—new product innovations, member impact, and insights shaping the future of fintech. Our Q3 edition is packed with updates you won’t want to miss. 💚 📩 Sign up here → https://lnkd.in/gZSxpg9k
From scrappy startup to public company—Chime co-founder and CEO Chris Britt is taking the stage at TechCrunch Disrupt 2025 to share what it takes to scale with discipline, stay resilient through market shifts, and build for the long haul. Join us in San Francisco for insights on leadership, momentum, and the power of staying true to a member-first model. https://lnkd.in/gpnjC7ZF