Chime is a mobile-first consumer financial services company targeting everyday Americans — broadly defined as adults earning up to $100,000 annually. Chime is not a bank; it partners with two FDIC-insured banks, Bancorp Bank and Stride Bank, to deliver banking products through its mobile app without branch infrastructure. Chime's core offering is a checking account paired with a debit card, anchored by two features: Get Paid Early (paycheck access up to two days early) and SpotMe (fee-free overdraft protection). Around this core, Chime offers a broader suite covering savings, liquidity (MyPay earned wage access and Instant Loans), and credit building (the Chime Card secured credit card). Chime's revenue is primarily interchange-based — Chime earns a fee when members swipe their debit or credit card, rather than charging members fees directly. Because Chime's bank partners are exempt from the Durbin Amendment's cap on debit interchange, Chime earns higher debit interchange than large banks. The Chime Card earns roughly 2x the interchange take rate of debit, making credit card adoption a key monetization driver. Chime's cost structure benefits from no physical branches and an in-house payment processing platform (ChimeCore), which reduced transaction processing costs by an estimated 60% versus third-party processors. Chime had 9.5 million active members as of end-2025, with active members transacting an average of 55 times per month.