Chime Financial, Inc. (CHYM)

Chime Financial, Inc. is a San Francisco-based financial technology company that provides mobile-first banking services to consumers in the United States. Rather than holding a bank charter itself, Chime offers checking and savings accounts and debit cards through partnerships with FDIC-insured banks.

The company is known for low-fee accounts aimed at everyday consumers, early access to direct-deposit paychecks, and its SpotMe feature, which covers small overdrafts without a fee. It also offers a secured credit card designed to help members build credit history, as well as short-term earned-wage access and other personal finance tools. Chime earns much of its revenue from interchange fees on card transactions. The company went public on Nasdaq in 2025 under the ticker CHYM.