The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. Chime 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.ħ. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.Ģ. Credit Builder card issued by Stride Bank, N.A.ġ. Banking services and debit card provided by The Bancorp Bank N.A. However, you can avoid the monthly fee by maintaining a minimum balance of $1,500 or by having a minimum monthly direct deposit of $1,000.Ĭhime is a financial technology company, not a bank. The minimum opening deposit for this account is just $25, and the monthly service fee is $6.95. Bank, you may be able to open a checking account with them. Bank uses ChexSystems, but it has a history of being more lenient with records than most banks.Īs long as you don’t have a history of fraud, or you don’t owe any money to U.S. Bank ATMs or surcharge fees at over 40,000 MoneyPass Network ATMs. Plus, you’ll never have to worry about ATM transaction fees at U.S. The Smartly® Checking account comes with a free debit card and the option to lock or unlock the card if it’s ever lost or stolen.
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