Get Up to $350
When You Sign Up
Create your free account in minutes. You’ll need to verify your phone number to finish signup and unlock your offer.
How it works
Get started in 3 steps
Quick signup — just make sure you verify your phone number when prompted.
Sign up for your account
Tap the button and create your free Chime account in seconds.
Verify your phone number
Enter your mobile number and confirm the code. This step is required to finish signup.
Get up to $350
Complete registration and unlock your offer plus full app access.
Why millions switch
Banking that pays you back
Fee-free overdraft
Overdraw up to $200 on debit purchases with SpotMe.
Get paid early
Get your paycheck up to 2 days early with direct deposit.
No monthly fees
Zero minimum balance. Zero monthly maintenance fees.
50,000+ ATMs
Pull cash fee-free at ATMs nationwide.
Signup benefits
What you get
- Up to $350 when you sign up
- Account open in minutes
- Phone number verification required
- Full mobile banking access
- Available for US users 18+
Real results
People are cashing in
“Signup took like two minutes and the app is so clean. Getting paid early is a game changer.”
“No monthly fees and SpotMe has saved me more than once. Phone verification was quick.”
“Easiest banking app I’ve used. Signed up, verified my number, and I was in.”
Trust
Why users love it
- Fast, secure signup
- Phone verification keeps your account safe
- Easy registration on mobile
- Ready to bank the same day
Quick answers
FAQ
How do I get up to $350? +
Sign up for a new account and complete the process. You’ll need to verify your phone number to finish registration.
Do I need to verify my phone? +
Yes. Phone number verification is required during signup to secure your account and complete registration.
How long does signup take? +
Usually only a few minutes from start to finish, including phone verification.
Ready?
Get up to $350 when you sign up
Open your account in minutes. Have your phone ready — you’ll verify your mobile number to complete signup.
Start Now