Log in
Activate your card
Help
Keep more of your money
See how you can save the day and your budget with Chirp™
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
to open an account online** The Chirp account comes with a Visa Debit card. If you open an account online, there is no fee or minimum balance requirement.
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.
Earn 2% instant cash back when you buy Amazon 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.
Earn 10x the national savings rate average
The future looks bright with 1% APY on savings, paid quarterly on balances 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.
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.
Earn 2% instant cash back when you buy Amazon 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.
Earn 10x the national savings rate average
The future looks bright with 1% APY on savings, paid quarterly on balances 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.
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
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
No hidden fees
No hidden fees
See our clear and straightforward fees, so you’ll never be surprised.
Features
Simple fees
Monthly fee
$0 whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period, otherwise $5 per month
Direct deposit
$0
Cash deposit
Up to $4.95 retail service fee
Transfer money from a linked bank account
$0
Transfer money from a linked debit card
1.5% fee (min $1.00) added to transfer amount
Cash a check with the app
1% or 5% of check amount for money in minutes, depending on check type ($5 minimum fee per check); $0 for money in 10 days
In-network ATM withdrawal
$0
In-network ATM balance inquiry
$0
Out-of-network ATM withdrawal
$3 per transaction
Out-of-network ATM balance inquiry
$0.50 per transaction
Teller cash withdrawal
$3 per transaction
Replacement card (for lost, stolen or damaged card)
$0
Expedited delivery of replacement debit or secured credit card
$24.95
Foreign transaction fee
3% of total transaction amount