# CHIME FINANCIAL INC-CL A

Summary updated: 2026-10-02T13:12:03.473584Z
Canonical: https://finbar.com/research/companies/chime-financial-inc-cl-a

## Overview

Chime Financial, Inc. is a U.S.-focused financial technology company that provides app-based consumer financial services through partnerships with banks. Its offerings include spending and payment accounts, savings, credit-building products and short-term liquidity services. The company’s stated mission is “Unite everyday people to Unlock Financial Progress,” and it was founded in 2012. [1](https://app.finbar.com/go?id=P150179074)[2](https://app.finbar.com/go?id=P150179151)[3](https://app.finbar.com/go?id=P164463736)[4](https://www.chime.com/about-us/)

Chime reported $2.2 billion in revenue for 2025 and 10.4 million Active Members in Q2 2026; it reported $670 million in revenue for that quarter. These figures indicate its scale as a consumer finance platform, while its filings describe its operations as U.S.-focused. [5](https://investors.chime.com/news-releases/news-release-details/chime-reports-fourth-quarter-and-full-year-2025-financial)[6](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)[7](https://app.finbar.com/go?id=P150179110)
[1](https://app.finbar.com/go?id=P150179074)[2](https://app.finbar.com/go?id=P150179151)[3](https://app.finbar.com/go?id=P164463736)[7](https://app.finbar.com/go?id=P150179110)[4](https://www.chime.com/about-us/)[5](https://investors.chime.com/news-releases/news-release-details/chime-reports-fourth-quarter-and-full-year-2025-financial)[6](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)[4](https://www.chime.com/about-us/)[5](https://investors.chime.com/news-releases/news-release-details/chime-reports-fourth-quarter-and-full-year-2025-financial)[6](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)

## Products & services

Chime’s app-based banking products include partner-bank checking accounts, Visa debit cards, nationwide ATM and cash-deposit access, and early paycheck availability of up to two days with qualifying direct deposit. The company also offers savings accounts with automatic savings features, cashback deals, and tax-filing services; its Chime Plus and Chime Prime offerings add benefits such as cash back, higher savings rates, and priority support. [8](https://app.finbar.com/go?id=P148087959)[9](https://app.finbar.com/go?id=P148087967)[10](https://app.finbar.com/go?id=P148087979)[11](https://app.finbar.com/go?id=P148087982)[12](https://app.finbar.com/go?id=P148087969)[13](https://app.finbar.com/go?id=P150178716)

Liquidity and credit products include SpotMe, which allows eligible members to overdraw fee-free up to an assigned limit, and MyPay, which provides advances against earned pay with free delivery within 24 hours or paid instant delivery. MyPay limits of up to $1,000 were rolling out in Q2 2026. Instant Loans are fixed-rate installment loans offered through partner banks. Chime’s secured Visa credit-building card supports everyday spending without annual or late fees, while its app also provides FICO score tracking, progress monitoring, and alerts. [14](https://app.finbar.com/go?id=P148087972)[15](https://app.finbar.com/go?id=P148087973)[16](https://app.finbar.com/go?id=P150178720)[17](https://app.finbar.com/go?id=P148087974)[18](https://app.finbar.com/go?id=P148087976)[19](https://app.finbar.com/go?id=P148087977)

In Q2 2026, Chime launched Chime Invest, offering commission-free stock and ETF investing and expert-managed portfolios through an SEC-registered investment adviser; account minimums are not required, though other fees or expenses may apply. Chime Enterprise provides a workplace channel for employers. Product-related disclosures show that in the first half of 2026 debit-card interchange represented 40% of revenue and credit-card interchange 25%; MyPay originations reached $4.5 billion in Q2, while MyPay receivables generated $218.7 million in platform-related revenue in the first half. [20](https://app.finbar.com/go?id=P150179663)[21](https://app.finbar.com/go?id=P150179674)[22](https://app.finbar.com/go?id=P150179662)[23](https://app.finbar.com/go?id=P150178714)[24](https://app.finbar.com/go?id=P150179660)[25](https://app.finbar.com/go?id=P150178440)
[8](https://app.finbar.com/go?id=P148087959)[9](https://app.finbar.com/go?id=P148087967)[10](https://app.finbar.com/go?id=P148087979)[11](https://app.finbar.com/go?id=P148087982)[12](https://app.finbar.com/go?id=P148087969)[13](https://app.finbar.com/go?id=P150178716)[14](https://app.finbar.com/go?id=P148087972)[15](https://app.finbar.com/go?id=P148087973)[16](https://app.finbar.com/go?id=P150178720)[17](https://app.finbar.com/go?id=P148087974)[18](https://app.finbar.com/go?id=P148087976)[19](https://app.finbar.com/go?id=P148087977)[20](https://app.finbar.com/go?id=P150179663)[21](https://app.finbar.com/go?id=P150179674)[22](https://app.finbar.com/go?id=P150179662)[23](https://app.finbar.com/go?id=P150178714)[24](https://app.finbar.com/go?id=P150179660)[25](https://app.finbar.com/go?id=P150178440)

## Geographic presence

Chime’s customer and operating footprint is primarily U.S.-focused: accounts are available to eligible residents of the United States and the District of Columbia. The company also reports operations in Canada, but does not provide a Canadian revenue or customer breakdown. [26](https://app.finbar.com/go?id=P150178676)[27](https://app.finbar.com/go?id=P150178847)[28](https://www.chime.com/faq/)

For the six months ended June 30, 2026, Chime reported that all revenue was generated in the United States (100%) and all long-lived assets were located there; it does not disclose a state-level or other U.S. regional revenue split. [29](https://app.finbar.com/go?id=P150178413)[30](https://app.finbar.com/go?id=P150178852) Its headquarters are in San Francisco, California, with offices in Chicago, Illinois, and New York, New York. [31](https://app.finbar.com/go?id=P150178407)[32](https://app.finbar.com/go?id=T17188574) The company does not disclose employee numbers by office or region. [33](https://app.finbar.com/go?id=P150178748)
[26](https://app.finbar.com/go?id=P150178676)[27](https://app.finbar.com/go?id=P150178847)[28](https://www.chime.com/faq/)[29](https://app.finbar.com/go?id=P150178413)[30](https://app.finbar.com/go?id=P150178852)[31](https://app.finbar.com/go?id=P150178407)[32](https://app.finbar.com/go?id=T17188574)[33](https://app.finbar.com/go?id=P150178748)[28](https://www.chime.com/faq/)

## Business segments

Chime Financial reports one operating and reportable segment, representing 100% of the company’s consolidated operations; it does not disclose separate business segments or segment-level contribution percentages. The CEO reviews consolidated financial information to assess the performance of this single segment. [29](https://app.finbar.com/go?id=P150178413)

The segment covers Chime’s financial-technology platform and products for spending, liquidity, credit building, savings, and community. These are product areas, not separately reported segments. [34](https://app.finbar.com/go?id=P150178406) As additional context—not a segment breakdown—six-month 2026 revenue comprised approximately 65.5% payments revenue and 34.5% platform-related revenue. [35](https://app.finbar.com/go?id=T17188589)
[29](https://app.finbar.com/go?id=P150178413)[34](https://app.finbar.com/go?id=P150178406)[35](https://app.finbar.com/go?id=T17188589)[35](https://app.finbar.com/go?id=T17188589)

## Company history

Chime was founded in 2012 by Chris Britt and Ryan King. It launched its mobile banking account and debit card in 2014. [36](https://app.finbar.com/go?id=P164460144)[4](https://www.chime.com/about-us/)[37](https://www.forbes.com/sites/jeffkauflin/2024/05/03/exclusive-the-inside-story-of-chime-americas-biggest-digital-bank/)[38](https://techcrunch.com/2017/09/27/chime-raises-18-million-for-mobile-banking-without-the-fees/)

In 2018, Chime reported surpassing one million bank accounts and acquired Pinch, a credit-building service, in an all-stock deal. [39](https://www.prnewswire.com/news-releases/chime-surpasses-one-million-bank-accounts-300649499.html)[40](https://techcrunch.com/2018/09/14/mobile-bank-chime-picks-up-credit-score-improvement-service-pinch-in-all-stock-deal/) The company launched its SpotMe overdraft feature in 2019 and its secured Credit Builder card in 2020. [41](https://app.finbar.com/go?id=P164458387) Chime went public in June 2025, with its shares beginning to trade on Nasdaq under the symbol CHYM on June 12; the IPO closed the following day. [42](https://app.finbar.com/go?id=P164464052)[43](https://investors.chime.com/news-releases/news-release-details/chime-announces-pricing-initial-public-offering)[44](https://www.sec.gov/Archives/edgar/data/1795586/000179558625000009/chym-20250630.htm)
[36](https://app.finbar.com/go?id=P164460144)[41](https://app.finbar.com/go?id=P164458387)[42](https://app.finbar.com/go?id=P164464052)[4](https://www.chime.com/about-us/)[37](https://www.forbes.com/sites/jeffkauflin/2024/05/03/exclusive-the-inside-story-of-chime-americas-biggest-digital-bank/)[38](https://techcrunch.com/2017/09/27/chime-raises-18-million-for-mobile-banking-without-the-fees/)[39](https://www.prnewswire.com/news-releases/chime-surpasses-one-million-bank-accounts-300649499.html)[40](https://techcrunch.com/2018/09/14/mobile-bank-chime-picks-up-credit-score-improvement-service-pinch-in-all-stock-deal/)[43](https://investors.chime.com/news-releases/news-release-details/chime-announces-pricing-initial-public-offering)[44](https://www.sec.gov/Archives/edgar/data/1795586/000179558625000009/chym-20250630.htm)

## Sources

1. [CHIME FINANCIAL INC-CL A — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150179074)
2. [CHIME FINANCIAL INC-CL A — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150179151)
3. [CHIME FINANCIAL INC-CL A — Ipo (2025 O)](https://app.finbar.com/go?id=P164463736)
4. [www.chime.com](https://www.chime.com/about-us/)
5. [investors.chime.com](https://investors.chime.com/news-releases/news-release-details/chime-reports-fourth-quarter-and-full-year-2025-financial)
6. [investors.chime.com](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)
7. [CHIME FINANCIAL INC-CL A — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150179110)
8. [CHIME FINANCIAL INC-CL A — Full financial report (2025 Y)](https://app.finbar.com/go?id=P148087959)
9. [CHIME FINANCIAL INC-CL A — Full financial report (2025 Y)](https://app.finbar.com/go?id=P148087967)
10. [CHIME FINANCIAL INC-CL A — Full financial report (2025 Y)](https://app.finbar.com/go?id=P148087979)
11. [CHIME FINANCIAL INC-CL A — Full financial report (2025 Y)](https://app.finbar.com/go?id=P148087982)
12. [CHIME FINANCIAL INC-CL A — Full financial report (2025 Y)](https://app.finbar.com/go?id=P148087969)
13. [CHIME FINANCIAL INC-CL A — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150178716)
14. [CHIME FINANCIAL INC-CL A — Full financial report (2025 Y)](https://app.finbar.com/go?id=P148087972)
15. [CHIME FINANCIAL INC-CL A — Full financial report (2025 Y)](https://app.finbar.com/go?id=P148087973)
16. [CHIME FINANCIAL INC-CL A — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150178720)
17. [CHIME FINANCIAL INC-CL A — Full financial report (2025 Y)](https://app.finbar.com/go?id=P148087974)
18. [CHIME FINANCIAL INC-CL A — Full financial report (2025 Y)](https://app.finbar.com/go?id=P148087976)
19. [CHIME FINANCIAL INC-CL A — Full financial report (2025 Y)](https://app.finbar.com/go?id=P148087977)
20. [CHIME FINANCIAL INC-CL A — Press release (2026 Q 2)](https://app.finbar.com/go?id=P150179663)
21. [CHIME FINANCIAL INC-CL A — Press release (2026 Q 2)](https://app.finbar.com/go?id=P150179674)
22. [CHIME FINANCIAL INC-CL A — Press release (2026 Q 2)](https://app.finbar.com/go?id=P150179662)
23. [CHIME FINANCIAL INC-CL A — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150178714)
24. [CHIME FINANCIAL INC-CL A — Press release (2026 Q 2)](https://app.finbar.com/go?id=P150179660)
25. [CHIME FINANCIAL INC-CL A — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150178440)
26. [CHIME FINANCIAL INC-CL A — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150178676)
27. [CHIME FINANCIAL INC-CL A — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150178847)
28. [www.chime.com](https://www.chime.com/faq/)
29. [CHIME FINANCIAL INC-CL A — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150178413)
30. [CHIME FINANCIAL INC-CL A — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150178852)
31. [CHIME FINANCIAL INC-CL A — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150178407)
32. [CHIME FINANCIAL INC-CL A — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=T17188574)
33. [CHIME FINANCIAL INC-CL A — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150178748)
34. [CHIME FINANCIAL INC-CL A — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P150178406)
35. [CHIME FINANCIAL INC-CL A — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=T17188589)
36. [CHIME FINANCIAL INC-CL A — Ipo (2025 O)](https://app.finbar.com/go?id=P164460144)
37. [www.forbes.com](https://www.forbes.com/sites/jeffkauflin/2024/05/03/exclusive-the-inside-story-of-chime-americas-biggest-digital-bank/)
38. [techcrunch.com](https://techcrunch.com/2017/09/27/chime-raises-18-million-for-mobile-banking-without-the-fees/)
39. [www.prnewswire.com](https://www.prnewswire.com/news-releases/chime-surpasses-one-million-bank-accounts-300649499.html)
40. [techcrunch.com](https://techcrunch.com/2018/09/14/mobile-bank-chime-picks-up-credit-score-improvement-service-pinch-in-all-stock-deal/)
41. [CHIME FINANCIAL INC-CL A — Ipo (2025 O)](https://app.finbar.com/go?id=P164458387)
42. [CHIME FINANCIAL INC-CL A — Ipo (2025 O)](https://app.finbar.com/go?id=P164464052)
43. [investors.chime.com](https://investors.chime.com/news-releases/news-release-details/chime-announces-pricing-initial-public-offering)
44. [www.sec.gov](https://www.sec.gov/Archives/edgar/data/1795586/000179558625000009/chym-20250630.htm)

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