Get paid up to two days early³ with direct depositĬhime is a financial technology company that offers benefits like fee-free overdraft 4 with SpotMe ® and an extensive fee-free ATM network.You can access our features that help you manage, move, and grow your money.Ĭhime works hard with its partner banks to make sure it has your back with: As a digital-only financial institution, all of Chime’s accounts and tools are a tap away via our mobile app.