PLEASE READ THIS DOCUMENT CAREFULLY
This agreement outlines the Deposit Account Agreement (the "Agreement") related to the demand deposit account ("Spending Account," or "Chime Account") available from The Bancorp Bank, Wilmington, Delaware, member of the Federal Deposit Insurance Corporation ("FDIC") (the "The Bancorp Bank", the "Bank" or "Issuer") on behalf of 1debit Inc., the program partner responsible for managing the Chime Account ("Chime"). "We", "our", and "us" refer to the Bank, our successors, affiliates, or assignees. "You", "your", and "member" refer to the owner of the Deposit Account.
You may open the Spending Account at the Chime Website (the "Website") by visiting www.chimebank.com or by using the Chime mobile banking application (the "Mobile App"). The Spending Account is not designed for business use, and we may close the Spending Account if we determine it is being used for business purposes. We may refuse to process any transaction(s) that we believe may violate the terms of this Agreement.
Our business days are Monday through Friday, excluding federal holidays, even if we are open. Any references to "days" founds in this Agreement are calendar days unless indicated otherwise.
Who is Eligible for a Spending Account
Opening an Account
Important information about procedures for opening a new Account.
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means for you: When you open an Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver's license or other identifying documents.
The Spending Account
Consists of the online transaction demand deposit account used to make payments and transfers to third parties online or through the use of a Chime Visa ® Debit Card ("Card") that is automatically issued with the Account.
Members have the option to open a linked Chime Savings Account ("Chime Savings" or "Savings Account") which is an interest bearing savings account. Separate terms and conditions apply to Chime Savings: see www.chimebank.com for additional information.
Account Titling and Ownership
The Spending Account may only be owned and titled in the name of one person who may deposit, transfer, or withdraw funds. The Spending Account cannot be owned or titled jointly, by an organization, as Payable on Death ("POD") or "In Trust For" ("ITF").
Death or Incapacitation
You or your appointed party, designee, or appointed individual agree to notify us promptly if you die or become legally incapacitated. We will continue to accept deposits and process transaction instructions into and from your Spending Account until we are: (a) notified of your death or adjudication of incompetency and (b) have a reasonable opportunity to act. You agree that, even if we have knowledge of your death we may pay or process transactions on your Spending Account on or before the date of death for up to ten (10) days after that date unless ordered to stop payment by someone claiming interest in the Spending Account. We may require additional documentation to confirm any claims made on the Spending Account.
Power of Attorney
You may give another person authority to make transactions on your Spending Account by giving power of attorney to another individual. The account owner and person executing power of attorney over a deposit account is known as the "Principal." The person granted Power of Attorney for the Principal is known as the "Agent." We may refuse to accept a power of attorney for reasonable cause, and we may require the Agent to sign an affidavit stating that the power of attorney presented to us is a true copy and that, to the best of the Agent's knowledge, the Principal continues to be alive and competent and that the relevant powers of the Agent have not been amended or terminated. The Principal is responsible to provide us with any information if an affidavit presented to us is untrue or misleading or if the Agent exceeds the authority granted by the Principal in the power of attorney. The Agent is required to notify us in writing if the Principal dies or is declared incompetent. The power of attorney will continue in force until a) we receive written revocation from the Principal; b) we receive written notification of the Principal's death, or c) we receive written notification of the death or incapacity of the Agent.
Our Relationship With You
This Agreement and the deposit relationship do not create a fiduciary relationship.
The Account and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of the Spending Account is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the State of Delaware except to the extent governed by federal law.
Deposits to the Account
Make deposits to your Spending Account using any of these methods:
|Transaction Type||Frequency and/or Dollar Limits|
Direct deposits or ACH Transfers initiated from an outside financial institution*
| No limit to the number of times per day |
No maximum dollar limit
|Deposits using a external debit card (no gift cards or credit cards) from an outside financial institution*|| 3 times total for the lifetime of your Account |
Minimum of $25.00; maximum of $200.00 per day***
Cash Loads** Available within two (2) hours after loading
| 3 per day |
$1,000.00 per load; $1,000.00 per day; $10,000.00 per calendar month
|ACH Transfers to the Spending Account using the Mobile App or Website|| No limit to the number of times per day |
Up to $200.00 per day, maximum of up to $1,000.00 per calendar month***
*Direct deposits or credits using a debit card from an outside financial institution: The recipient's name on any such deposits we receive must match the name of the Chime Accountholder. Any such deposits received in a name other than the name registered to the Spending Account will be returned to the originator. Deposits using an external debit card from an outside financial institution will be available within minutes of a successful transaction.
** Third party money transfer services used to load funds to your Spending Account may impose their own fees, per transaction, daily, weekly or monthly limits on the frequency or amount of cash you may load to the Spending Account.
*** Certain members may be eligible for higher transfer limits based on Spending Account history, at our discretion. New Spending Accounts open less than thirty (30) days or Spending Accounts with a Chime Visa Debit Card that has not been activated will be limited to a single transfer.
IMPORTANT: If your Spending Account number changes you must immediately notify your employer or any other payors. You must provide them with the new Spending Account number to ensure that your direct deposit activity continues uninterrupted.
No Cash, Paper Checks or Foreign Currency
We are not liable for any deposits, including cash, lost in the mail, lost in transit, or not received by us.
Please refer to Section V labeled, "General Funds Availability Policy" for additional information.
Your Spending Account number and bank routing number can be used for preauthorized direct debits ("ACH Debits") from merchants, Internet service or other utility service providers ("Merchants") and for the purpose of initiating direct deposits to your Spending Account. These transfers will be processed under the Operating Rules of the National Automated Clearing House Association ("NACHA") and you agree to comply with the NACHA rules. Detailed information regarding preauthorized transfers is available in Section II, labeled "Electronic Funds Transfer Disclosure and Special Terms and Conditions".
Note: The recipient's name on any direct deposit(s) we receive must match the name of the Chime Accountholder. Any direct deposits received in a name other than the name registered to the Spending Account will be returned to the originator.
IMPORTANT: If your Spending Account number changes you must immediately notify the Merchants. You must provide them with the new Spending Account number to ensure that the ACH Debit activity continues uninterrupted.
Problems That Could Occur with Deposits
Overpayments and Reversals. If funds are deposited or transferred into your Spending Account by mistake or otherwise, we may correct the situation by deducting the amount of the deposit from your Spending Account without prior notice to you. If there are not enough funds in your Spending Account at that time, your Spending Account could become overdrawn. See the "No Overdrafts" and "Right to Set Off" sections below for more information about what could occur if your Spending Account has a negative balance.
You are not permitted to overdraw your Spending Account. If the available balance in your Spending Account is not sufficient to cover any payment or withdrawal you have authorized, we can refuse to process the payment or withdrawal. If your Spending Account balance becomes negative for any reason, you must make a deposit immediately to cover the negative balance. If your Spending Account has a negative balance for an extended period of time and you have another account with us, we reserve the right to exercise our right to set off. See the "Right to Set Off" section below for details. If your Spending Account has a negative balance for ninety (90) calendar days or more it will be closed.
Right to Set Off
If your Spending Account balance becomes and remains negative for fifteen (15) days, we can use the funds in any of your accounts to repay the amount owed on the negative balance Spending Account. This means, we have the right to set-off any liability, direct or contingent, past, present or future that you owe against any account you have with us. Further, you grant us a lien on and security interest in the funds on deposit in each of your account(s) as security for all of your liabilities and obligations to us, now or in the future. We will notify you if we have exercised our right to set off.
Legal Processes Affecting Accounts
If legal action such as a garnishment, levy or other state of federal legal process ("Legal Process") is brought against your Spending Account, we may refuse to permit (or may limit) withdrawals or transfers from your Spending Account until the Legal Process is satisfied or dismissed. Regardless of the terms of such garnishment, levy or other state or federal process, we have first claim to any and all funds in your Spending Account. We will not contest on your behalf any such Legal Process and may take action to comply with such Legal Process as we determine to be appropriate in the circumstances without liability to you, even if any funds we may be required to pay out leaves insufficient funds to pay a transaction that you have authorized. Payment is made after satisfying any fees, charges or other debts owed to us. You agree that you are responsible for any expenses, including legal expenses and fees we incur due to any Legal Process on your Spending Account. We may charge these expenses to your Spending Account. You will indemnify us for any losses if we do this.
Amendment and Cancellation
We may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement on www.chimebank.com, and any such amendment shall be effective upon such posting to that Website. The current Agreement is available at www.chimebank.com. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. We may cancel or suspend your Spending Account or this Agreement at any time. You may cancel this Agreement by calling 1-844-244-6363 to close your Chime Account. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.
If your Spending Account is cancelled, closed or terminated for any reason, you may request the unused balance be returned to you via check sent to the mailing address we have in our records. For security purposes, you may be required to supply identification and address verification documentation prior to issuing a refund check. Allow fourteen (14) days for processing and mailing of the refund check. In the event the program is cancelled, closed, or terminated, we will send you prior notice, in accordance with applicable law. Specific information and instructions, including how to receive any remaining Spending Account balance, will be in the notice. We reserve the right to refuse to return any unused balance amount less than $1.00.
Account Dormancy and Escheatment
An account that is inactive for a period of time may be considered dormant and is subject to escheatment. Each state has varying laws as to when an account is subject to escheatment and we may be required to send the balance in your Spending Account to the state of your last known address. We will make all reasonable efforts to contact you before transferring the remaining balance of your Spending Account to the applicable state. For a Spending Account with an international address, the funds will be transferred to the State of Delaware.
Electronic statements are available to view and print at www.chimebank.com. Spending Account statements are considered to be correct. Carefully review your statements each statement period and notify us of any errors within sixty (60) days of your statement becoming available. You also have a right to obtain a sixty (60) day history your Spending Account transactions by calling us at 1-844-244-6363, sending us an email at email@example.com, or by writing to us at Chime, P.O. Box 417, San Francisco, CA 94104-0417. You will not automatically receive paper statements.
Special Rules for New Accounts
Spending Accounts open less than thirty (30) days or Spending Accounts with a Chime Visa Debit Card that has not been activated will be limited in functionality. You may not be eligible to use certain features such as Pay Friends, and Chime Checkbook until the Chime Visa Debit Card has been activated and the Card Account has been open for at least thirty (30) days. In addition, certain transfer limits may be lower during this time as indicated in Section C, “1. Deposits to the Account”, Section E, “1. Electronic Banking Services” and Section II, “ELECTRONIC FUNDS TRANSFER DISCLOSURE AND SPECIAL TERMS AND CONDITIONS”.
You will receive a Chime Visa Debit Card ("the Card") with your Spending Account. You acknowledge and agree that the funds accessible through use of the Card is limited to the available funds of your Spending Account. You agree to sign the back of the Card immediately upon receipt. The expiration date of the Card is identified on the front of the Card. The Card is the property of the Issuer and must be surrendered upon demand. The Card is nontransferable and it may be cancelled, repossessed, or revoked at any time without prior notice subject to applicable law.
Activate The Card
You must activate the Card before it can be used. You may activate it by calling 1-844-244-6363 or online at www.chimebank.com. You will need to provide personal information in order for us to verify your identity. Certain functionality outlined in this Agreement may be restricted prior to activating the Card, for details see Section C, “1. Deposits to the Account”, Section E, “1. Electronic Banking Services” and Section II, “ELECTRONIC FUNDS TRANSFER DISCLOSURE AND SPECIAL TERMS AND CONDITIONS”
Personal Identification Number
You will not receive a Personal Identification Number ("PIN") with the Card. However, you will be prompted to select a PIN when you activate it. See the activation instructions in the "Activate The Card" section. You should not write or keep your PIN with your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the section labeled "Your Liability for Unauthorized Transfers."
Authorized Card or Spending Account Users
You are responsible for all authorized transactions initiated and fees incurred by use of the Card or Spending Account. If you permit another person to have access to your Card, Card number(s), Spending Account number(s) or PIN, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of your Spending Account according to the terms and conditions of this Agreement
You may not request an additional Card for another person
Your Representations and Warranties
By activating the Card or by retaining, using or authorizing the use of the Card provided with the Spending Account, you represent and warrant to us that: (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older); (ii) you are a U.S. citizen or legal alien residing in the fifty (50) states of the United States ("U.S.") or the District of Columbia; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) the personal information that you provide to us in connection with the Spending Account is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.
Cash Access and Transaction Limitations
With your PIN, you may use the Card to obtain cash from your Spending Account at any Automated Teller Machine ("ATM") or any Point-of-Sale ("POS") device, as permissible by a merchant, that bears the Visa®, Interlink®, Plus®, or Maestro® Acceptance Marks. All ATM transactions are treated as cash withdrawal transactions. You may use the Card at an ATM and withdraw funds at a participating bank (Over The Counter "OTC" withdrawals). ATM and OTC cash withdrawals, funds withdrawn at a POS, and purchases are all subject to the $2,500 maximum amount that can be spent on the Card per day. These are the itemized cash access and spending limits for your Spending Account:
|Transaction Type||Frequency and/or Dollar Limits*|
|ATM Withdrawal|| No limit to the number of times per day |
Up to $500.00 per day*
|Cash Back at POS|| No Limit to the number of times per day |
Up to $500.00 per day*
|Over The Counter "OTC" Withdrawals|| No limit to the number of times per day |
Up to $500.00 per day*
|Card Purchases (Signature and PIN)|| No limit to the number of times per day |
Up to $2500.00 per day
*ATM owner-operators, merchants and participating banks may impose their own lower limits on cash withdrawals.
You may use the Card to purchase or lease goods or services everywhere Visa debit, Interlink or Maestro Cards are accepted as long as you do not exceed the available balance of your Spending Account. Some merchants do not allow customers to conduct split transactions where the Card is used as partial payment for goods and services and the remainder of the balance is paid with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in the Spending Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping the Card, the Card is likely to be declined.
If you use the Card at an automated fuel dispenser ("pay at the pump"), the transaction may be preauthorized for an amount up to $75.00 or more. If the Card is declined, even though you have sufficient funds available, you should pay for your purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a "hold" on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount.
All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days.
If you use the 16-digit Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with the Card. The Card cannot be redeemed for cash. You may not use the Card for online gambling or any illegal transaction.
Each time you use the Card, you authorize us to reduce the value available in the Spending Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in the Spending Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available in the Spending Account, you shall remain fully liable to us for the amount of the transaction and any applicable fees. See these provisions in Section C for additional details if your Spending Account balance becomes negative: "6. No Overdrafts," and "7. Right to Set Off."
You do not have the right to stop payment on any purchase or payment transaction originated by use of the Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to sixty (60) days.
Non-Visa Debit Transactions
New procedures are in effect that may impact you when you use the Card at certain merchant locations. In the past, transactions have been processed as a Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit, Interlink or as a Maestro transaction.
Merchants are responsible for and must provide you with a clear way of choosing how to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the Interlink or Maestro network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the Interlink or Maestro network. Please refer to the section labeled "Your Liability for Unauthorized Transfers" for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions.
To initiate a Visa debit transaction at a point-of-sale, swipe the Card through the POS terminal, sign the receipt, or provide your 16-digit Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter your PIN at the POS terminal or provide your 16-digit Card number after clearly indicating a preference to route your transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.
Transactions Made In Foreign Currencies
If you obtain funds or make a purchase in a currency other than the currency in which the Card was issued, the amount deducted from the available balance of your Spending Account will be converted by Visa into an amount in the currency of the Card. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. If you obtain funds or make a purchase in a currency other than the currency in which the Card was issued, the Issuer may assess a foreign currency conversion fee of 3% of the transaction amount and will retain this amount as compensation for its services. Transactions made outside the fifty (50) U.S. states and the District of Columbia are also subject to this conversion fee even if they are completed in U.S. currency.
You should get a receipt at the time you make a transaction using the Card. You agree to retain, verify, and reconcile your transactions and receipts.
If you need to replace the Card for any reason except at Card expiration, please contact 1-844-244-6363 to request a replacement Card. You will be required to provide personal information which may include your Spending Account number, 16-digit Card number, full name, transaction history, copies of acceptable documentation, etc.
The Card will expire no sooner than the date printed on the front of it. You will not be able to use the Card after the expiration date; however, a replacement Card will automatically be mailed to you prior to the expiration of the soon-to-expire Card. If you need a Card replacement for any reason other than the Card's expiration, you may request one at any time by following the procedures in the section labeled "Card Replacement."
With your Spending Account, you will have access to the Chime Checkbook feature (the "Checkbook") through the Mobile App or Website which allows you to authorize us to make bill payments on your behalf to third parties. You will not have access to the Checkbook until your Spending Account has been open for a minimum of thirty (30) days and you have activated your Card.
To initiate a bill payment using the Checkbook, you must provide the name and mailing address of each individual or company you wish to pay. Once a payment is authorized, the payment amount will be immediately deducted from your Spending Account balance. Payments made using the Checkbook take the form of a paper check sent to the payee using standard U.S. Postal Service mail. Please allow three to nine (3-9) business days for delivery of the check. Payments can only be sent to addresses located within the fifty (50) states of the U.S. Checkbook payments are processed daily by 8 AM MST. Checkbook payments initiated after this time will be processed by 8 AM MST the next business day. Chime reserves the right to refuse to process payments to any individual or company. If the decision is made to refuse a payment, Chime will notify you on or before the next business day.
These are the limits when using Chime Checkbook:
|Transaction Type||Frequency and/or Dollar Limits|
|Chime Checkbook Payment|| No limit to the number of payments per day |
Up to $5,000.00 per payment, maximum of $10,000.00 per calendar month
Checkbook payments may be refused or returned by the individual or company to whom the payment was issued. The determination to accept this method of payment is at the discretion of the recipient. The U.S. Postal Service may also return payments in cases of expired or invalid addresses. If the Checkbook payment is returned for any reason, the payment will be voided and the full amount credited to your Spending Account the next business day.
Uncashed Checkbook Payments: Uncashed Checkbook payments are voided after 180 days. Funds from voided checks will be credited to your Spending Account by 8 AM MST on the next available business day.
There is no fee to use the Checkbook.
Cancelling a Checkbook payment: You may cancel a single Checkbook payment as long as it has not been presented for payment by calling 1-844-244-6363. Funds from any cancelled check will be credited to your Spending Account by 8 AM MST on the next available business day.
Liability for failure to stop payment of a Checkbook payment: If you request cancellation of a Checkbook payment within three (3) three business days or more before it is scheduled to be made, and Chime does not cancel it in time, Chime will be liable for your losses or damages.
Pay Friends Transfers
With your Spending Account, you will have access to the Pay Friends Transfer Service (“Pay Friends”) via the Mobile App or Website. This service allows you to send money to other Chime members as well as receive money from other Chime members (“Friend Transfers”). You may send money to another Chime member by inputting the intended recipient's email address, mobile phone number, or unique Chime Nickname (the “Nickname”) and the Friend Transfer dollar amount you would like to send. Friend Transfers will be applied to the Spending Account associated with the recipient’s email address, mobile phone number, or Nickname entered by the sender. Approved Friend Transfers are automatically debited from the sender's Spending Account and deposited to the recipient's Spending Account within seconds. You will not have access to Pay Friends until your Spending Account has been open for a minimum of thirty (30) days and you have activated your Card.
Please note: The intended recipient must have an open Chime Spending Account in order to receive a Friend Transfer(s). If the recipient does not have an active Chime Spending Account, you will not be able to initiate a Friend Transfer to that individual.
Using the Pay Friends Transfer Service
To send a Friend Transfer(s), login to the Mobile App or Website and select ”Pay Friends” and enter the intended recipient’s email address, mobile phone number, or the recipient’s Nickname.
You must make sure the recipient's email address, mobile phone number or Nickname is entered accurately to ensure the Friend Transfer is sent to the correct recipient. The obligation to pay the Friend Transfer will not be excused by an error in the information entered.
Nickname: By using Pay Friends, you are representing that you are the owner of the mobile phone number or email address listed on your Spending Account. If you choose to associate a Nickname with your Spending Account to facilitate Friend Transfers, you consent to have the first and last name registered on your Spending Account associated with the Nickname. By doing so, your first and last name will be visible to other Chime members who search for you by Nickname. This will assist the sending Chime member in verifying that you are the correct intended recipient of the Friend Transfer
Please note: The email address, mobile phone number or Nickname entered during the Friend Transfer will display in your transaction history and on your statement for your reference. Additionally, if a Nickname was used to facilitate the Friend Transfer, the first name and last initial of the receiving Chime member will display in your transaction history after the Friend Transfer has been processed. An optional reference field is also available to add a personalized message to the recipient. These messages will be visible in your online transaction history but will not be included on your monthly statement.
Fees: There are no fees associated with the use of the Pay Friends Transfer Service.
Mobile Carrier Information: By registering a mobile phone number on your Spending Account, you are certifying that you are the owner of the mobile phone account or have the account owner’s permission to register the mobile phone number.
Message and data rates may apply to the use of the mobile device when using the Friend Transfer service via the Mobile App.
Friend Transfer Limits
Friend Transfers may be initiated at any time as long as the transfer request does not exceed the available balance in your Spending Account. Chime may refuse to process any transaction that exceeds any of the limits described below. If your Friend Transfer is denied because your Spending Account balance is not sufficient, you are responsible for making alternate payment arrangements with the intended recipient. These are the limits associated with Friend Transfer(s):
|Transaction Type||Frequency and/or Dollar Limits*|
|Friend Transfer(s)||Send up to 15 Friend Transfers per calendar month, up to a maximum of $2,000.00 per calendar month|
|*All Friend Transfer limits are subject to temporary reductions to protect the security of member Spending Accounts and/or the Pay Friends Transfer Service.|
Canceling Friend Transfers: Prior to sending a Friend Transfer, the sender will be prompted to confirm the transaction. Once the Friends Transfer is sent, it cannot be canceled. It is the sender’s responsibility to ensure the information is accurate prior to confirming the Friend Transfer request.
If you believe your Spending Account has been compromised or that a Friend Transfer from your Spending Account was completed without your permission, please contact 1-844-244-6363 immediately. Please see Section II ELECTRONIC FUNDS TRANSFER DISCLOSURE AND SPECIAL TERMS AND CONDITIONS below, where your liability for unauthorized transfers from the Spending Account is explained.
In case of questions related to Pay Friends, please call Member Services at 1-844-244-6363.
Your Spending Account number and bank routing number can be used for preauthorized direct debits ("ACH Debit(s)") from merchants, Internet service or other utility service providers ("Merchants") and for the purpose of initiating direct deposits ("ACH Credits") to your Spending Account.
Note: The recipient's name on any direct deposit(s) or ACH Credit(s) we receive must match the name on the Spending Account. Any direct deposits received in a name other than the name registered to the Spending Account will be returned to the originator.
Cut-off Time - The cut-off time for scheduling ACH transfers is midnight Mountain Time. Any transfer scheduled after the cut-off time will be treated as if it were scheduled on the next business day.
ACH Debit Limits - The limitations to the amount of funds that can be transferred from your Spending Account per day are as follows:
|Transaction Type||Frequency and/or Dollar Limits|
|ACH Debits|| No limits to the number of times per day |
Limited to the available Spending Account balance
| ACH Credits initiated from the Chime Mobile App |
or Website to another bank account you own*
| No limit to the number of times per day |
Up to $5,000.00 per day, maximum of up to $25,000.00 per calendar month**
*Acceptance of ACH Credits may vary by financial institution. Please contact the bank you wish to send funds to prior to initiating an ACH Credit to determine if restrictions apply.
|** This transaction type is not available for Spending Accounts open less than thirty (30) days or Spending Accounts with a Chime Visa Debit Card that has not been activated.|
The following terms are used to describe Electronic Funds Transfer ("EFT") services. "Automated credits" or "direct deposits" are deposits made to your Spending Account by electronic means. "Automated debits" and "automated payments" indicate payments authorized by you to be made from your Spending Account by electronic means. "Online Transfers" are the movement of funds between your Spending Account and optional Chime Savings Account by use of the Mobile App or the Website. Online Transfers are described in detail in the agreement governing the Chime Savings Account.
When you accept direct deposits or authorize automatic payments/debits or transfers to or from your Spending Account, you agree to these terms and conditions.
Other relevant terms and conditions described elsewhere in the Agreement also apply as long as they are consistent with Regulation E or Section II.
Types of Electronic Funds Transfers Available
Limitations on Transfers, Amounts and Frequency of Transactions
Right to Receive Documentation of Electronic Funds Transfers
Right to Stop Payment of Preauthorized Transfers and Procedures for Doing So
If you scheduled a one-time ACH transfer over the phone or recurring ACH transfers using a written authorization form, you can stop any of these payments. Here's how:
To stop a recurring ACH transfer to a merchant you preauthorized to debit your Spending Account, please contact the merchant to request cancellation of the recurring payment.
If the merchant with whom you arranged recurring ACH transfers from your Spending Account is unable or unwilling to stop the transfer, write to Cardholder Services, P.O. Box 71337, Salt Lake City, UT 84171-0337 or email firstname.lastname@example.org to request a stop on such payment. Your request to stop payment must be received at least three (3) business days before the payment is scheduled to be made. Such a stop payment request will cancel a single, i.e. one (1) recurring payment. If you want to permanently stop all recurring payments to a specific merchant you will be required to put your request in writing and send it to Cardholder Services, P.O. Box 71337, Salt Lake City, UT 84171-0337 within fourteen (14) days after your notification to stop such payments. You will need to tell us; the name of the payee, the dollar amount of the payment and the date of the payment. If written stop payment notification is not received within fourteen (14) days, the payment in question will be honored as originally authorized and future payments will not be permanently stopped.
Notice of Varying Amounts
If the recurring ACH transfers you make might vary in amount, the person you are going to pay will tell you the transfer date and the amount of the transfer ten (10) days before each payment is scheduled to take place. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits you set).
Liability for Failure to Stop Payment of Preauthorized Transfer
If you order us to stop a preauthorized payment three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
Your Liability for Unauthorized Transfers
Contact us as once if you believe your Card, PIN or Spending Account number has been stolen. Telephoning is the best way to minimize your possible losses. If your Card, PIN or Spending Account number has been lost or stolen, or that someone has transferred or may transfer money from your Spending Account without your permission, call 1-844-244-6363. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Chime Account is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa or to ATM transactions outside the U.S. You must notify us immediately of any unauthorized use. In the event that the Visa Zero Liability Rules do not apply, if you notify us within two (2) business days after you learn of any unauthorized transactions, you can lose no more than $50.00 if someone used your Spending Account without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card, Spending Account number or PIN and we can prove that we could have stopped someone from using your Spending Account without your permission if you had promptly notified us, you could lose as much as $500.00.
Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the section labeled "Information About Your Right to Dispute Errors". If you do not notify us within sixty (60) days after you become aware of the transaction(s) and/or the statement was made available to you, you may not get back any of the value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking value if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If your Card, PIN or Spending Account number has been lost or stolen, we will close your Card and/or Chime Account to keep losses down and send you a replacement Card and/or Spending Account number.
If your Spending Account changes you must immediately notify your employer or any other payors or merchants. You must provide them with your new Chime Account number to ensure that your direct deposit and/or ACH Debit activity continues uninterrupted.
Our Liability for Failure To Complete Transactions
If we do not properly complete a transaction from your Spending Account or Card on time or in the correct amount according to our Agreement with you; we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
Information About Your Right to Dispute Errors
In case of errors or questions about your electronic transactions, call 1-844-244-6363, write to Cardholder Services, P.O. Box 71337, Salt Lake City, UT 84171-0337 or email us at email@example.com if you think your statement or receipt is wrong or if you need more information about a transaction listed in the statement or receipt. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically accessed your Spending Account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling 1-844-244-6363, sending us an email at firstname.lastname@example.org, or by writing to us at Chime Member Services, P.O. Box 611, San Francisco, CA 94104-0417. You will need to tell us
If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days.
We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Spending Account within ten (10) business days for the amount you think is in error, so that you will have use of the money during the time it takes to complete the investigation. If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit your Spending Account.
For errors involving new Spending Accounts, POS transactions or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Spending Accounts, we may take up to twenty (20) business days to credit your Spending Account for the amount you think is in error.
We will tell you the results within three (3) business days after completing the investigation. If we decide that there was no error, we will send you a written explanation. Copies of the documentation used in the investigation may be obtained by contacting us at the phone number or address shown at the beginning of this section. If you need more information about our error-resolution procedures, call 1-844-244-6363 or visit www.chimebank.com.
Truth in Savings Disclosures
This is not an interest bearing account. No interest will be paid.
English Language Controls
Any translation of this Agreement is provide for your convenience. The meaning of the terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English.
For member service assistance or additional information regarding your Spending Account, please contact:Chime
P.O. Box 417
San Francisco, CA 94104-0417
Member Service agents are available to answer your calls:
Monday through Saturday, 7 a.m. to 7 p.m. CST
Sunday, 9 a.m. to 6 p.m. CST (holidays excluded)
From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our member service team or as required by applicable.
No Warranty Regarding Goods or Services as Applicable
We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase using your Spending Account.
Any claim, dispute, or controversy ("Claim") arising out of or relating in any way to: i) this Agreement; ii) the Spending Account; iii) your acquisition of the Spending Account; iv) your use of the Spending Account; v) the amount of available funds in the Spending Account; vi) advertisements, promotions or oral or written statements related to the Spending Account, as well as goods or services purchased with the Spending Account; vii) the benefits and services related to the Spending Account; or viii) transactions made using the Spending Account, no matter how described, pleaded or styled, shall be FINALLY and EXCLUSIVELY resolved by binding individual arbitration conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act (9 U.S.C. 1-16).
We will pay the initial filing fee to commence arbitration and any arbitration hearing that you attend shall take place in the federal judicial district of your residence.
ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO A JURY TRIAL OR TO ENGAGE IN DISCOVERY, EXCEPT AS PROVIDED FOR IN THE AAA CODE OF PROCEDURE.
For a copy of the procedures, to file a Claim or for other information about this organization, contact it at: AAA, 335 Madison Avenue, New York, NY 10017, or at www.adr.org.
All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made final exclusively by the arbitrator, which award shall be binding and final. Judgment on the arbitration award may be entered in any court having jurisdiction.
NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION OR PRIVATE ATTORNEY GENERAL ACTION OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON OR CLASS OF CLAIMANTS SHALL BE ALLOWABLE.
This arbitration provision shall survive: i) the termination of the Agreement; ii) the bankruptcy of any party; iii) any transfer, sale or assignment of your Spending Account, or any amounts owed on your Spending Account, to any other person or entity; or iv) closing of the Spending Account. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall remain in force.
IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD OR SPENDING ACCOUNT. CALL 1-844-244-6363 TO CLOSE THE SPENDING ACCOUNT AND REQUEST A REFUND, IF APPLICABLE.
Mobile check deposit (“Mobile Deposit”) allows you to make deposits to your Spending Account remotely by using the Mobile App to take a legible picture of the front and back of the negotiable check(s) and transmitting images of such instruments to us in compliance with our requirements (“Check Image(s)”). If the Check Image is accepted for deposit, Chime will notify you electronically through the communication method(s) you have elected as preference (“Electronic Notice”). The Bank will then attempt to collect the item by presenting the image or converting the image into a digital representation of the original check (“Substitute Check”). Unlike traditional check deposits, you retain the original paper check when you use Mobile Deposit. See the section captioned “Retention of Original Check” for retention requirements. The manner in which Substitute Checks are cleared, presented for payment and deposited will be determined by the Bank, in our sole discretion. Chime, acting as an agent of the Bank, may change, modify, add or remove functionality from Mobile Deposit at any time, with or without notice to you.
You may not use Mobile Deposit to make deposits to your Savings Account.
Chime, acting as an agent of the Bank, will determine whether you are eligible for the Mobile Deposit feature at their discretion or at the request of the Bank. Chime may suspend or terminate your use of Mobile Deposit at any time and without prior notice to you. If you violate the terms of Mobile Deposit, such actions may be used as a basis to terminate your Spending Account.
In order to use Mobile Deposit, you must have an Apple iOS or Android smartphone capable of installing and running the Chime Mobile App (see relevant app store details for specific hardware and OS requirements) that is additionally equipped with a camera capable of taking photos with at least a resolution of 1600 x 1200 pixels (“2 Megapixels”).
There is no fee for depositing a check via Mobile Deposit. In the event that a check you deposit using Mobile Deposit is returned by the bank upon which it was drawn (for any reason), there is also no fee. Please note that your mobile carrier may charge you for sending and receiving data to upload Check Images using the Mobile App. Please check your mobile service agreement for details on applicable fees.
Limits may be imposed on the dollar amount or number of deposits you make through Mobile Deposit, and we may change such limits at any time at our discretion.
|Frequency and/or Dollar Limits||Funds Availability|
|Spending Account(s) open less than thirty (30) days|| Maximum of $500.00 per check |
Up to 2 checks total during the first thirty (30) days the Spending Account is open
| For deposited items identified below in Section 11. "Next-Day Availability", the first $5,000.00 will be made available the next business day after the day of deposit. Funds in excess of $5,000 will be made available nine (9) business days after deposit is processed |
For all other check types, the first $200.00 will be made available the next business day after deposit is processed. Funds in excess of $200.00 will be made available nine (9) business days after the deposit is processed.
May be subject to additional holds, see Section 11. "Mobile Deposit Funds Availability"
|Spending Account(s) open thirty (30) days or more|| Maximum of $2,000.00 per check |
Up to 10 checks per month
Maximum of $10,000.00 per month
| For deposited items identified below in Section 11. “Next-Day Availability”, the full amount of the deposit will be made available the next business day after the day of deposit. |
For all other check types, the first $200.00 will be made available the next business day after deposit is processed
May be subject to additional holds, see Section 11. "Mobile Deposit Funds Availability".
Limits may be further varied based on the length of time the Spending Account is opened and Spending Account activity.
We may decline to accept any Check Image you submit through Mobile Deposit at our sole discretion. You agree that you will not scan and attempt to deposit any of the following:
Third-party checks deposited through Mobile Deposit may be rejected. All Check Images submitted for deposit must be payable to you and not to a third-party. In the event a third-party Check Image is received, a Substitute Check will be returned to you through the U.S. Postal Service mail and the deposit will be not be processed. Neither Chime nor the Bank will be liable for any Substitute Checks that may become lost in the mail.
Neither the Chime nor the Bank is responsible for Check Images not received or dropped during transmission. A Check Image will be deemed received only when Chime provides you with Electronic Notice confirming receipt of the Check Image. After receipt of your Check Image is confirmed, the Check Image will be subject to review before it is submitted for deposit and may still be rejected for any reason at the discretion of Chime and the Bank. An Electronic Notice confirmation is not a representation, warranty or other indication that the Check Image will be presented for deposit or will be honored by any collecting or paying bank. If Chime or the Bank rejects a Check Image received through the Mobile Deposit feature, you may contact the individual or company who issued the check, to request a new or reissued check be provided to you. If you do submit the original check for processing, Chime and the Bank reserves the right to refuse to process it and may instead require you to have the check reissued.
Once the funds from the Check Image have been credited to your Spending Account, you must mark the original check as "VOID" and retain it for sixty (60) days. You may not present the original check or any Substitute Check created from the original check for payment at any other financial institution. During this sixty (60) day period, you must store the original paper check securely using precautions at least as secure as those you would use to protect a blank check. You must make the original paper check available to Chime or the Bank for review at any time during this sixty (60) day period as necessary to facilitate the clearing and deposit process, to address third-party claims or for our own audit purposes. Should you fail to produce the original paper check, you authorize Chime or the Bank to deduct the amount of the check in question from your Spending Account, regardless of whether such action may cause your Spending Account to not have sufficient funds. Immediately after this sixty (60) day period, you must destroy the original paper check.
You will endorse any check or other item submitted for deposit exactly as it was made payable to you. You warrant that all endorsements on items deposited to your Spending Account are genuine. Any endorsement must be placed in the one-inch area starting at the left side on the back of an item and the remaining area on the back of the item may not contain any preprinted, stamped or handwritten information. If you fail to do this, you may be required to reimburse Chime for losses incurred. For any check deposited as a Check Image through Mobile Deposit, you must endorse the check by signing or stamping the back and writing "For deposit only to Spending Account #XXXXXXXXXX" or as otherwise instructed by Chime before you take a picture of the check. In the absence of endorsement, you authorize Chime or the Bank to supply any missing endorsements if items are made payable to you or your order and you have not endorsed them.
Funds are available on the second business day after the day of deposit for:
The first $200.00 from a deposit of checks will be available on the next business day after the deposit is applied to the Spending Account. The remaining funds in excess of $200.00 will be available on the second business day after the day the funds from the Mobile Deposit are applied to the Spending Account.
For example, if a check of $700.00 is applied to your Spending Account on a Monday that we are open, $200.00 of the deposit is available on Tuesday. The remaining $500.00 is available on Wednesday.Longer Delays May Occur
Under certain circumstances, a longer hold period may apply before funds deposited by check are available. A longer delay may apply if, for instance:
Chime will send an Electronic Notice informing you if your ability to withdraw funds is delayed for any reason including information on when the funds will be available. Generally, funds will be available no later than the ninth (9th) business day after the deposit is accepted for processing.Special Rules for New Accounts
For new members, these special rules will apply during the first thirty (30) days of your new Spending Account:
All fee amounts will be withdrawn from your Spending Account and will be assessed as long as there is a remaining balance in your Spending Account, except where prohibited by law. Any time your remaining balance is less than the fee amount being assessed, the balance of your Spending Account will be applied to the fee amount resulting in a zero balance on your Spending Account.
|Fee Description||Fee Amount and Frequency|
| Cash Withdrawal Fee |
(applies to both ATM and Over The Counter "OTC" withdrawals) *
|$2.50 (per transaction). Transactions at MoneyPass® ATMs are fee free.|
*If you use an ATM not owned by us for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator even if you do not complete a withdrawal. This ATM fee is a third party fee amount assessed by the individual ATM operator only and is not assessed by us. This ATM fee amount will be charged to your Spending Account.
Information contained in this section is provided to assist you in understanding our Funds Availability Policy. All deposits into accounts opened through the Bank are processed at a Bank processing facility. This policy does not apply to checks deposited through the Mobile Deposit feature. For Mobile Deposit Funds availability, see section III, “MOBILE CHECK DEPOSIT” 11. “Mobile Deposit Funds Availability”.
We make funds available according to the type of deposit and when the funds are applied, or credited to your Spending Account. Some types of deposits may not be available for immediate use. When we delay the availability of funds or place a hold on a deposit made to your Spending Account, you may not withdraw those funds, and we will not use them to pay any debits, such as ACH transfers or payments, Checkbook transactions or transactions using your Card during the hold period. We have the right to refuse any deposit.
If final payment is not received on any item you have deposited into your Spending Account, or if any direct deposit, ACH transfer credit is returned to us for any reason, you agree to pay us the amount of the returned item.
The length of the delay in the availability of funds varies depending on the type of deposit.
The length of the delay in the availability of funds is counted in business days from the day your deposit is applied to your Spending Account. For purposes of these disclosures, our business days are Monday through Friday. Federal holidays are not included. Deposits received by midnight Mountain Time will be considered current-day deposits. Any deposits received after that time will be processed the following business day.
Funds received from preauthorized electronic payments such as payroll direct deposits, or other preauthorized electronic payments will be available on the day the deposit is applied to your Spending Account.
ACH Credits received from an external bank account will be applied to the Spending Account when we have verified the external account and received payment on collected funds. Once the funds are applied to the Spending Account, they will have same day availability.
Electronic transfers depositing into the Spending Account initiated through the Mobile App or Website may take up to five (5) business days from the date of the initial request, but will post on the payment date of the deposit once the money has reached the Bank and/or Chime.
LAST UPDATED: November, 2015
Please read the following terms and conditions very carefully. If you do not agree with the following terms and conditions, do not download or install this software. By downloading, installing or using this software or any portion thereof, you agree to the following terms and conditions.
This agreement ("Terms") is entered into between you and 1debit, Inc. ("1debit"), the program partner responsible for managing the Chime Spending Account ("Chime"). Subject to the provisions of these Terms, you are hereby granted the non-transferable right to use this software ("Chime Application") solely for personal, non-commercial purposes.
You may not use the Chime Application in any manner that may impair, overburden, damage, disable or otherwise compromise (i) 1debit's services; (ii) any other party's use and enjoyment of 1debit's services; or (iii) the services and products of any third parties including, without limitation, any device through which you access the Chime Application (the "Authorized Device"). You agree to comply with all local laws and regulations governing the downloading, installation and/or use of the Chime Application, including, without limitation, any usage rules set forth in the online application store terms of service.
From time to time, 1debit may automatically check the version of Chime Application installed on the Authorized Device and, if applicable, provide updates for the Chime Application ("Updates"). Updates may contain, without limitation, bug fixes, patches, enhanced functionality, plug-ins and new versions of the Chime Application. By installing the Chime Application, you authorize the automatic download and installation of Updates and agree to download and install Updates manually if necessary. Your use of the Chime Application and Updates will be governed by these Terms (as amended by any terms and conditions that may be provided with Updates).
1debit reserves the right to temporarily disable or permanently discontinue any and all functionality of the Chime Application at any time without notice and with no liability to you.
For the avoidance of doubt, agreement to these Terms is solely between 1debit and you. If you need to contact 1debit about the Chime Application, you may do so by calling (844) 244-6363 or by emailing email@example.com.
1debit may track and archive certain information regarding your use of the Chime Application ("Use Information"). Use Information does not reveal your personal identity. Use Information may be stored and processed in the United States or any other country in which 1debit or its agents maintain facilities. By using the Chime Application, you consent to the collection of your Use Information and to any transfer of your Use Information outside of your country.
You hereby acknowledge that 1debit owns all rights, titles and interest in and to the Chime Application and to any and all proprietary and confidential information contained therein ("Chime Information"). The Chime Application and Chime Information are protected by applicable intellectual property and other laws, including patent law, copyright law, trade secret law, trademark law, unfair competition law, and any and all other proprietary rights, and any and all applications, renewals, extensions and restorations thereof, now or hereafter in force and effect worldwide. You agree that you will not (and will not allow any third party to) (i) modify, adapt, translate, prepare derivative works from, decompile, reverse engineer or disassemble the Chime Application or otherwise attempt to derive source code from the Chime Application; (ii) copy, distribute, transfer, sell or license the Chime Application; (iii) transfer the Chime Application to, or use the Chime Application on, a device other than the Authorized Device; (iv) take any action to circumvent, compromise or defeat any security measures implemented in the Chime Application; (v) use the Chime Application to access, copy, transfer, retransmit or transcode Content (as defined below) or any other content in violation of any law or third party rights; (vi) remove, obscure, or alter 1debit's (or any third party's) copyright notices, trademarks, or other proprietary rights notices affixed to or contained within or accessed through the Chime Application.
Content made available through the Chime Application ("Content") is protected by applicable intellectual property rights and is the property of 1debit, its third party licensors and partners (as applicable), and other entities that provide such content to 1debit. You may not (or enable others to) copy, distribute, display, modify, or otherwise use the Content except as it is provided to you through the Chime Application hereunder. 1debit and its licensors make no representations or warranties regarding the accuracy or completeness of the Content.
1debit does not represent that the Chime Application is appropriate or available for use in any geographical location. Any entity choosing to use the Chime Application is solely responsible for compliance with all applicable laws. The Chime Application is subject to U.S. export controls and may not be downloaded, exported or re-exported: (i) into (or to a national or resident of) Burma, Cuba, Iran, North Korea, Sudan, Syria, Libya, or any other country with respect to which the United States maintains trade sanctions prohibiting the shipment of goods; or (ii) to anyone on or acting on behalf of an entity on the U.S. Treasury Department's list of Specially Designated Nationals and Blocked Persons or the U.S. Commerce Department's Denied Persons List or Entities List or included in General Order 3 (15 C.F.R. Part 736, Supplement 1), which prohibits exports to Mayrow General Trading, affiliated entities and persons, and specified persons involved in the manufacture or sale of Improvised Explosive Devices (together referred to as "U.S. Prohibited Party Lists"). By downloading and/or using the Chime Application, you represent and warrant that you are not (a) located in or a national or resident of any country noted above that is subject to U.S. trade sanctions, or (b) on any U.S. Prohibited Party List or acting on behalf of any person or entity on any such list.
You may terminate acceptance of these Terms at any time by permanently deleting the Chime Application in its entirety from the Authorized Device, whereupon (and without notice from 1debit) any rights granted to you herein will automatically terminate. If you fail to comply with any provision of these Terms, any rights granted to you herein will automatically terminate. In the event of such termination, you must immediately delete the Chime Application from the Authorized Device.
You agree to hold harmless and indemnify 1debit and its subsidiaries, affiliates, officers, agents, and employees (and their subsidiaries, affiliates, officers, agents, and employees) from and against any claim, suit or action arising from or in any way related to your use of the Chime Application or your violation of these Terms, including any liability or expense arising from all claims, losses, damages, suits, judgments, litigation costs and attorneys' fees, of every kind and nature. In such a case, 1debit will provide you with written notice of such claim, suit or action.
This Agreement is effective 2/2017