In the world of personal finance, it’s all about making your money work harder for you – and both Chime and Kudos are built to do exactly that. Not only does this let you pay with your phone, but it also tokenizes your card info (adding security) and can make transactions smoother. Before traveling or going out, use the Chime app’s ATM map to locate a fee-free ATM if you anticipate needing cash. Similarly, enable “Automatic Savings” to siphon, say, 10% of each paycheck into savings. If you only have your Chime card, Kudos Boost at checkout ensures you still get some cashback.
Although Chime’s card might feel like a prepaid or “reloadable” card, it’s actually a true debit card linked to a checking account. The Chime® mobile financial app brings you simplicity, low fees (1) , and minimum restrictions to manage your banking through the latest technology or receive a credit card. The Chime® Checking Account is an online checking with a free Visa® debit card and no monthly or maintenance fees (1) .
“The design is inspired by the little moment of magic you feel when you step into a Starbucks from the cold outside,” Chan said in a statement. But have you tried any of the coffee chain’s seasonal baked goods? Today, the Seattle-based coffee giant confirmed the seasonal release date (November 6) and announced all six limited-edition drinks set to arrive in cafés next month. Upcoming bagged coffee blends include the Thanksgiving Blend, Christmas Blend, Christmas Blonde Roast, and Holiday Blend.Already mapping out your holiday plans?
Must have $0.01 in savings to earn interest. (4) Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. SpotMe on Chime Card won’t cover non-card transactions. SpotMe on debit is not a credit product, cash advance, a loan, or overdraft protection.
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Here’s what else you can expect if you use the Chime® mobile banking app. The only requirement is that you need to be over 18 years old, be a U.S. citizen and have an address to receive the debit card. However, Chime® will reimburse a single ATM fee if you’ve received a direct deposit of over $1. If you want to open an account, there is also no minimum deposit.
- The Cold Cream Brew is made with cold brew and vanilla syrup, and topped with pistachio cream cold foam and salted brown-buttery sprinkles.
- SpotMe is Chime’s optional overdraft program that lets eligible users overdraw their account up to a certain amount with no fee.
- There are over 47,000 fee-free ATMs located at stores like Walgreens, CVS or 7-Eleven (2)
- For instance, Chime doesn’t use ChexSystems, so even if you’ve been banned by a bank before, you can often get a Chime® account – making it a solid “second chance” banking option.
- “Starbucks new seasonal merchandise collections—featuring tumblers, cold cups and mugs designed to celebrate winter moments, from Lunar New Year and Valentine’s Day to everyday coffee rituals.
Pros and Cons of the Chime Debit Card
There’s still plenty of time to enjoy your fall faves—obvi, the Pumpkin Spice Latte, but also newcomer Pecan Oatmilk Cortado, plus the Pumpkin Cream Cold Brew, Iced Pumpkin Cream Chai, Pecan Crunch Oatmilk Latte, and Pecan Cold Foam. Customers can score the collectible, reusable cup “later this season” with the purchase of a handcrafted holiday beverage. The bakery case is getting similar treatment, with returning fan favorites like the Snowman Cookie, Cranberry Bliss Bar, and Sugar Plum Cheese Danish. PSL season has barely begun and Starbucks is already spilling the tea (or…espresso?) on the 2025 holiday lineup.
There are over 47,000 fee-free ATMs located at stores like Walgreens, CVS or 7-Eleven (2) Just remember to replenish your account; if your account stays negative for too long, Chime may suspend your SpotMe until you’re back in the black. You’ll see a negative balance, but when your next direct deposit comes in, Chime will automatically apply it to bring your balance back to positive. Your initial SpotMe limit might be $20, but it can increase up to $200 based on your account history. If you attempt to use the card beyond these limits, the transaction will be declined.
Tips to Maximize Benefits (and Overcome Limitations)
- While the Chime debit card itself doesn’t earn cashback, you can still earn rewards on those debit purchases by using the free Kudos browser extension.
- However, you can choose from many types of checking accounts across various financial institutions.
- One of the biggest draws of the Chime Visa® Debit Card is its lack of the usual bank fees.
- There is, though, a fee of $2.50 for using an out-of-network ATM for your cash withdrawals (2) .
It was obvious why this is the most iconic Starbucks holiday pastry. I was probably most excited about this Starbucks holiday pastry. Served warm, I imagined this Starbucks holiday pastry would be super comforting.
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SpotMe® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Card Account. (2) Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATMs. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. Pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted.
Chime® Checking Account and Debit Card
Travelers and digital nomads also benefit, because you can use the debit card internationally with no extra fees, and the Visa network ensures global acceptance. The Starbucks 2025 holiday menu officially launched nationwide on November 6, 2025, featuring six festive beverages—many returning after a year’s absence—alongside themed cold foams and seasonal bakery items. (1) Chime has out-of-network ATM and cash deposit fees.
Leverage Mobile Wallets
There are no monthly or maintenance fees for the account (1) It’s not a limited-use prepaid card; it’s a full-fledged debit card with the backing of The Bancorp Bank/Stride Bank. To qualify, you need at least $200 in direct deposits each month and an active Chime debit card. Unlike credit cards, you can’t request a higher limit – it’s a built-in safeguard.
According to the official press release, the full menu will be available starting Tuesday, January 6, 2026. The winter lineup also features Dubai-inspired chocolate beverages and an expanded breakfast menu. Starbucks has announced that its 2026 winter menu will be available from January 6, 2026. This window means some hoping to enjoy drinks such as the Eggnog Latte or Iced Gingerbread Chai can take advantage of the seasonal treats for a little while longer, after the festivities have ended. In addition to the holiday beverages, the bakery case is nearly holiday-ready as well, with returning customer-favorites like the Cranberry Bliss Bar, Snowman Cookie and Sugar Plum Cheese Danish.
The Chime Visa® Debit Card offers a refreshing, fee-free banking experience that aligns with what modern consumers expect – transparency, convenience, and control via smartphone. Also, getting cash back at a grocery store or pharmacy with a purchase is a workaround to ATM fees – Chime won’t charge for that, since it’s processed as a purchase. It’s a nifty way to double-dip on savings without a credit card. On the flip side, if you frequently deal with cash or require complex banking services, Chime might feel limiting – a traditional bank might serve those needs better. For instance, Chime doesn’t use ChexSystems, so even if you’ve been banned by a bank before, you can often get a Chime® account – making it a solid “second chance” banking option.
Starbucks Spiced Pumpkin Latte and Frappuccino New to the lineup this year is the Pecan Oatmilk Cortado, a short but bold espresso drink balanced by the sweetness of pecan syrup. Another returning favorite, the Pecan Crunch Oatmilk Latte, offers a nutty, dairy-free option. Alongside the PSL, the menu includes the Pumpkin Cream Cold Brew and Iced Pumpkin Cream Chai, both chilled options for those vegas casino app clinging to late-summer warmth. This marks over two decades of the PSL, a drink that has gone from seasonal novelty to cultural phenomenon since its debut in 2003. For Starbucks fans, fall doesn’t officially begin until the Pumpkin Spice Latte (PSL) hits the menu.
You can use your Chime debit card at these ATMs with zero surcharge. For example, if you make a purchase abroad or online in a foreign currency, Chime won’t charge any FX fee, whereas many traditional banks charge ~3%. There are no monthly service fees, no minimum balance requirements, no overdraft fees, and no foreign transaction fees.
With a Chime® Checking Account, you will pay no monthly maintenance fees or annual fees (1) . If you lose your card, you can send a notification through the app, stop transactions on your account and order a new card if needed. This debit card may be used anywhere that Visa® cards are accepted. All of the accounts you open through Chime® are insured by the Federal Deposit Insurance Corporation, and users do not have to worry about an annual fee (8) . This Chime® review offers a closer look into a mobile banking app that is dominating Google Play and the Apple App Store.
With seasonal flavors such as Peppermint Mocha, Chestnut Praline, and Sugar Cookie Latte, we’re seeing boundless holiday joy to explore. Creamers, ready-to-drink coffees, Keurig, and Nespresso pods are hitting shelves this week. They weren’t as fortunate in 2021, when the Eggnog was last removed from seasonal menus. The creamy latte was first introduced in 1986, establishing itself as one of Starbucks’ earliest seasonal items. The holiday menu will be available at Starbucks nationwide beginning November 6, the chain tells Food & Wine. (8) There’s no fee for the Chime Savings Account.