How to apply for Chime?
You apply via the website or the app. Click Get Started and fill in your name and email, date of birth, your mobile number, and address. You will be required to provide your financial details and a valid bank account. Once you fill in all the paperwork and your application is approved, they mail a Chime Visa Debit Card to your address. You can activate your new card via the phone and set up a direct deposit so your money is transferred automatically.
Requirements
The requirements and documents that you need to provide depend on what type of bank account you're planning to open with Chime. The company has different sets of requirements for each option.
The general requirements specified on the official website state that you have to be a United States citizen over the age of 18. Of course, there are other considerations but this company doesn't mention them explicitly. Among the documents that you'll be asked to provide, there's:
- State-issued ID
- SS Card
- Proof of residence
- Contact info
- Additional paperwork
Application details
The average time Chime takes to complete the application process varies based on the validity of the information provided. If everything is in order and easily verifiable, then your application will be accepted within 120 seconds or less. Applying for any of the services won't have any impact on your credit score.
The main reason for rejection is the inability to verify personal information provided in the application. If the provided information is purposefully incorrect or if you made a mistake, your application might be rejected. There are other reasons for denial, but they aren't as prevalent and have to do with financial problems, residency issues, or criminal records.
