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22
years of banking innovation
33
million customers served
07
days a week live customer support
90
thousand retail deposit locations
No monthly fees
with eligible direct deposit, otherwise $5 per month** Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Otherwise $5 per month.
No hidden fees
No minimum balance required
Overdraft protection up to $200
with opt-in and eligible direct deposit** Activated, chip-enabled debit card and opt-in required. $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid the fee. We require immediate payment of each overdraft and overdraft fee. Overdrafts paid at our discretion, and we do not guarantee that we will authorize and pay any transaction. Learn more about Overdraft Protection (PDF).
We'll automatically cover purchase transactions that exceed your available balance
Get your pay up to 2 days early
with direct deposit** Direct deposit early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Chirp account exactly or we will decline your deposit.
Get your government benefits up to 4 days early.
Plus, direct deposit unlocks exclusive perks!
Limited time only
Free Samsung Galaxy Smartphone with direct deposit of $200 or more
when you pay for 2 months of wireless service.** Offer not transferrable to other accounts or account holders. Offer available only for first-time direct depositing customers. To become eligible for free phone, your Chirp account must be in good standing and your direct deposit of $200 or more must be from payroll, government benefits or unemployment benefits and post to your account between 7/14/21 and 3/15/22. Eligible customers will be sent an email to the address on file with a link to a webpage where you can order your phone. Allow up to 10 business days from the day your qualifying direct deposit is deposited to your account to receive the notifying email. Free phone requires payment of $100 for first two months of service, plus shipping. No annual contract required. Payment requires a valid debit or credit card with verified billing address. Service includes talk, text and data and is subject to terms. State and local taxes/fees may apply. Offer, device and plan are subject to change. Service may not be available in all markets. Rules and other restrictions apply. Void where prohibited or restricted by law. Limited time offer and only valid in the U.S. Available while supplies last. See order page for complete and current offer details. The Android™ robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution license.
See order page for terms.
Receive a payroll or government benefits direct deposit by 10/31/21 to be eligible.
Deposit cash at a local retailer
Use your card or the app to deposit cash at retailers nationwide** Retail service fee and limits apply. See Deposit Account Agreement (PDF) for details.
Transfer money to your ChirpTM account
Move money from a linked debit card** Fees and limits apply to debit card transfers. See Deposit Account Agreement (PDF) or bank account** See Deposit Account Agreement (PDF) to Chirp
Cash a check from the comfort of home
Get your money in minutes or in 10 days. Just snap a pic with your mobile device.** Activated, chip-enabled debit card required to use Ingo Money check cashing service. Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms & Conditions and Privacy Policy. Limits apply. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money's sole discretion. Fees apply for approved Money in Minutes transactions funded to your account. Unapproved checks will not be funded to your account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See Deposit Account Agreement (PDF) for details.
Free nationwide ATM network** See app for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply.
Find free ATM locations using the app
Earn up to 7% instant cash back
when you buy eGift Cards from nearly 100 popular merchants in the app** Activated, chip-enabled debit card required to purchase eGift Cards. Active Chirp account required to receive eGift Cards. eGift Card merchants subject to change. See Deposit Account Agreement (PDF) for details.
Earn over 10x the national savings rate average** Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 1.00% Annual Percentage Yield (APY) as of January 2022. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The average national savings account interest rate of 0.06% is determined by the FDIC as of 12/20/21. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.
High-yield savings account, 1% APY paid quarterly on savings up to $5,000.** Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 1.00% Annual Percentage Yield (APY) as of January 2022. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The average national savings account interest rate of 0.06% is determined by the FDIC as of 12/20/21. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.
Deposit cash at a local retailer
Use your card or the app to deposit cash at retailers nationwide** Retail service fee and limits apply. See Deposit Account Agreement (PDF) for details.
Transfer money to your ChirpTM account
Move money from a linked debit card** Fees and limits apply to debit card transfers. See Deposit Account Agreement (PDF) or bank account** See Deposit Account Agreement (PDF) to Chirp
Cash a check from the comfort of home
Get your money in minutes or in 10 days. Just snap a pic with your mobile device.** Activated, chip-enabled debit card required to use Ingo Money check cashing service. Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms & Conditions and Privacy Policy. Limits apply. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money's sole discretion. Fees apply for approved Money in Minutes transactions funded to your account. Unapproved checks will not be funded to your account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See Deposit Account Agreement (PDF) for details.
Free nationwide ATM network** See app for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply.
Find free ATM locations using the app
Earn up to 7% instant cash back
when you buy eGift Cards from nearly 100 popular merchants in the app.** Activated, chip-enabled debit card required to purchase eGift Cards. Active Chirp account required to receive eGift Cards. eGift Card merchants subject to change. See Deposit Account Agreement (PDF) for details.
Earn up to 7% instant cash back
when you buy eGift Cards from nearly 100 popular merchants in the app** Activated, chip-enabled debit card required to purchase eGift Cards. Active Chirp account required to receive eGift Cards. eGift Card merchants subject to change. See Deposit Account Agreement (PDF) for details.
Earn over 10x the national savings rate average** Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 1.00% Annual Percentage Yield (APY) as of January 2022. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The average national savings account interest rate of 0.06% is determined by the FDIC as of 12/20/21. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.
High-yield savings account, 1% APY paid quarterly on savings up to $5,000.** Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 1.00% Annual Percentage Yield (APY) as of January 2022. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The average national savings account interest rate of 0.06% is determined by the FDIC as of 12/20/21. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.
Earn over 10x the national savings rate average** Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 1.00% Annual Percentage Yield (APY) as of January 2022. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The average national savings account interest rate of 0.06% is determined by the FDIC as of 12/20/21. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.
High-yield savings account, 1% APY paid quarterly on savings up to $5,000** Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 1.00% Annual Percentage Yield (APY) as of January 2022. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The average national savings account interest rate of 0.06% is determined by the FDIC as of 12/20/21. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more..
Keep the money in your account safe** Funds are protected from unauthorized transactions on successfully activated cards. Prompt notice is required.
Build or repair your credit with the Chirp Secured Visa® Credit Card** Available only to Chirp accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply.
- No credit check to apply
- No annual fee
- Credit limit starting as low as $100** Available only to Chirp accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply.
- Payment behavior is reported to 3 credit bureaus
Need a card today?
Pick up a Chirp Visa® Debit Card at a retail store near you** The GO2bank account comes with a Visa Debit card. If you open an account online, there is no fee or minimum balance requirement. If you open an account by getting a GO2bank debit card in a store, then there is a purchase fee and an initial deposit of $20 - $500 required.
Pick up a Chirp Visa® Debit Card at a retail store near you** The GO2bank account comes with a Visa Debit card. If you open an account online, there is no fee or minimum balance requirement. If you open an account by getting a GO2bank debit card in a store, then there is a purchase fee and an initial deposit of $20 - $500 required.
Refer a friend, and you both get $50** In order for both the referred individual and the referring Chirp accountholder to each qualify for and receive the $50 referral reward, the following conditions must be met: The referred individual may not have previously opened a Chirp Deposit Account ("Account"); they must open a new Account between May 20, 2021 and June 30, 2023; they must open the new account using the referring Chirp accountholder's unique referral (share) link directly or as shared through email or social post; and they must receive in the new Account a qualifying direct deposit of $200 or more within 45 days of account opening. The qualifying direct deposit must be made by the referred individual's employer, payroll provider, government benefits, or unemployment benefits payor by Automated Clearing House (ACH) deposit. Bank ACH transfers, debit card transfers, verification or trial deposits from financial institutions, tax refund deposits, mobile check cashing, and cash deposits are not qualifying deposit activities. Referring Chirp accountholder and referred individual Chirp accounts must both be in good standing to be eligible for and receive a reward. The reward is paid to each party within 48 hours after qualifying funds are first deposited into the referred individual's new Account. New and referring Chirp accountholders may earn no more than $1,500 in referral rewards per calendar year (January 1 - December 31). Referred individual acknowledges that payment of the reward will result in the referring Chirp accountholder's knowledge of the individual's new Account. Chirp reserves the right to cancel or modify the terms of the referral reward offer or terminate the member's eligibility at any time with or without prior notice. Credits of $600 or more will be reported on tax form 1099-MISC for referring Chirp accountholder.
Both you and your friend get $50 when they open a new Chirp account and receive a qualifying direct deposit
Simple. Seamless. Smart.
See how Chirp compares with other mobile accounts** Comparison chart may not be representative of most mobile bank offerings.
Mobile account A
Mobile account B
No monthly fees with eligible direct deposit, otherwise $5 per month** Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Otherwise $5 per month.
No monthly fee
$5 with eligible direct deposit
Overdraft protection up to $200 with opt-in and eligible direct deposit** Activated, chip-enabled debit card and opt-in required. $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid the fee. We require immediate payment of each overdraft and overdraft fee. Overdrafts paid at our discretion, and we do not guarantee that we will authorize and pay any transaction. Learn more about Overdraft Protection (PDF).
Up to $200
Up to $10
Free ATM network** See app for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply.
Early access to your pay** Direct deposit early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Chirp account exactly or we will decline your deposit.
Deposit cash at a retail store** Retail service fee and limits apply. See Deposit Account Agreement (PDF) for details.
Cash checks with the app** Activated, chip-enabled debit card required to use Ingo Money check cashing service. Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms & Conditions and Privacy Policy. Limits apply. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money's sole discretion. Fees apply for approved Money in Minutes transactions funded to your account. Unapproved checks will not be funded to your account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See Deposit Account Agreement (PDF) for details.
Lock and unlock your card** Previously authorized transactions and deposits/transfers to your account will function with a locked card.
Earn up to 7% cash back when you buy eGift Cards in the app** Activated, chip-enabled debit card required to purchase eGift Cards. Active Chirp account required to receive eGift Cards. eGift Card merchants subject to change. See Deposit Account Agreement (PDF) for details.
Personalized rewards
Pay bills from a single app
Build your credit with a secured credit card** Available only to Chirp accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply.
High-yield savings account** Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 1.00% Annual Percentage Yield (APY) as of January 2022. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The average national savings account interest rate of 0.06% is determined by the FDIC as of 12/20/21. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.
Link your debit card to preferred merchants with Way2PayTM** Using the Chirp app, you can make your Chirp debit card the preferred method of payment for popular merchants. Service provided by Q2 Software.