How Chime Helps You Save Money and Build Credit

June 5, 2025

If your bank is still charging you fees just to use your money or if your credit history is holding you back, it might be time for something better.

Chime is changing how everyday Americans handle their money, offering simple tools to build credit, get paid early, and say goodbye to the nonsense that traditional banks still push.

Here’s why so many people are switching:

Build Credit Without the Usual Barriers
Chime’s Credit Builder Visa Credit Card is designed to help you build credit history without the usual traps.
No minimum security deposit required
No annual fees or interest
No credit check to apply

You load money onto the card and spend only what you add. No surprises. No overdrafts. And unlike prepaid cards, your responsible usage gets reported to all 3 major credit bureaus.

It’s like training wheels for credit without the fees.

Access Your Money Sooner with MyPay

Running short before payday? With Chime’s MyPay, you can access up to $500 of your paycheck early with no credit check, no interest, and no mandatory fees.

Borrow up to $500 instantly
Zero interest or hidden costs
Fast access to your money when you need it

It’s a smarter way to bridge the gap between paydays without turning to payday lenders or racking up credit card debt.

More Ways Chime Makes Banking Better

No monthly fees
No overdraft fees
Access to over 60,000 fee-free ATMs nationwide
Manage everything with an easy-to-use mobile app

Whether you’re trying to fix your credit, stop living paycheck to paycheck, or just want a bank that doesn’t charge you for everything, Chime makes it easy to get ahead.

Bottom Line

Banks shouldn’t make your life harder. With Chime, you get the tools to take control of your credit, your paycheck, and your future on your terms.

It’s fast, it’s free to apply, and it might be exactly what your budget’s been missing. Ready to ditch the fees and build real financial momentum?

Apply for Chime Today