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Download the ChirpTM app
for the ultimate mobile banking experience!
The app unlocks the ultimate in value
Earn up to 7% instant cash back when you buy eGift Cards in the app. Earn 2% cash back on Amazon eGift Cards bought in 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.
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).
Set up a vault and earn over 10x the national savings rate average with 1% APY paid quarterly on 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..
The key to convenience
Pay your bills from a single app – even send a check to make a payment!
Find free ATM locations near you** 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.
Lock & unlock your card with a tap for added security** Previously authorized transactions and deposits/transfers to your account will function with a locked card.
Easily add money to your account
Deposit cash with just the app at participating retailers nationwide ** Retail service fee and limits apply. See Deposit Account Agreement (PDF) for details.
Link a debit card ** 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. or bank account ** 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. and transfer money to your Chirp account
Cash a check 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.