Chime Financial

Chime is a financial technology company built on the belief that basic banking services should be helpful, easy, and free. Working with national FDIC-insured bank partners — The Bancorp Bank, N.A. and Stride Bank, N.A. — Chime offers a member-first banking experience that helps everyday Americans spend, save, and build credit without unnecessary fees. Members can access their pay up to two days early with direct deposit, use fee-free overdraft protection via SpotMe, grow savings with a high-yield savings account, and build credit with no credit check required. Chime's business model is based primarily on interchange fees rather than punitive account fees, enabling it to provide affordable services to millions of underserved consumers. The company was co-founded in 2012 by Chris Britt and Ryan King and is headquartered in San Francisco.