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Add money wherever you are
Quickly and easily manage and move your money where you need it with Chirp
Get your pay up to 2 days early with ASAP Direct DepositTM** 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** 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.
It’s easy to set up. Plus, you’ll unlock these exclusive features:
- 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.
- 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).
- 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.
Add funds to your account, cash a check and pay bills all in one convenient app
Deposit cash at stores
Deposit cash at nearly 90,000 retail stores nationwide, including CVS Pharmacy®, Dollar General®, Walgreens®and Walmart.** Retail service fee and limits apply. See Deposit Account Agreement (PDF) for details.
Transfer from another bank
No fee to transfer money from a linked bank account to Chirp. Log in to link a bank account** See Deposit Account Agreement (PDF)
Transfer from another debit card
Fast-track funding on your account from a linked debit card. Log in to link a debit card** Fees and limits apply to debit card transfers. See Deposit Account Agreement (PDF)
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.
Online bill pay
Pay all your bills from a single app, even send a check to make a payment!
Mobile wallet
Add your Chirp debit card to Apple Pay®, Google Pay™ and Samsung Pay®.** Not available to residents outside of the 50 States and DC.
Add funds to your account, cash a check and pay bills all in one convenient app
Deposit cash at stores
Deposit cash at nearly 90,000 retail stores nationwide, including CVS Pharmacy®, Dollar General®, Walgreens®and Walmart.** Retail service fee and limits apply. See Deposit Account Agreement (PDF) for details.
Transfer from another bank
No fee to transfer money from a linked bank account to Chirp. Log in to link a bank account** See Deposit Account Agreement (PDF)
Transfer from another debit card
Fast-track funding on your account from a linked debit card. Log in to link a debit card** Fees and limits apply to debit card transfers. See Deposit Account Agreement (PDF)
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.
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.
Online bill pay
Pay all your bills from a single app, even send a check to make a payment!
Mobile wallet
Add your Chirp debit card to Apple Pay®, Google Pay™ and Samsung Pay®.*
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..
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