Chime partners with regional banks to create member-first financial products, providing access to bank accounts with fee-free overdraft, early access to paychecks, and credit improvement tools. The company earns revenue from transaction fees paid by merchants, aligning company incentives with user benefits. With a valuation of over $25.5B and funding from leading investors, Chime is one of the fastest-growing fintech companies in the US, driven by an experienced leadership team committed to innovation, inclusion, and access.