A digital banking platform that provides mobile-first checking accounts, savings accounts, and financial services without traditional brick-and-mortar branches. The company's policies are significant to consumers because they govern how personal financial data is collected and used, outline fee structures and account terms, and establish protections for digital banking transactions and customer funds.

2 Documents
15 All provisions 1 High severity 11 Medium severity 3 Low severity
6 Changes · 12 mo
Jul 19, 2026 Last change

High, provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium, provisions worth knowing about but with partial protections or limited scope. Low, standard terms with minimal consumer impact.

Governance Coverage
Data Sharing
13 provisions · 4 high · 7 med
Privacy Rights
7 provisions · 4 high · 3 med
Other
2 provisions · 1 med
Data Collection
1 provision · 1 med
Restricted Content
1 provision · 1 high
Key Governance Provisions
High California residents joint marketing opt-out right

This right is available only to California residents and provides an opt-out mechanism that is not available to all customers under the general joint marketing sharing terms.

High California restriction on sharing financial information externally

This restriction limits external sharing of financial information to legally permitted circumstances, providing California residents a stronger default protection than the general policy.

High North Dakota restriction on sharing outside corporate family

North Dakota customers receive a default restriction on external data sharing that limits transfers outside the corporate family to legally permitted circumstances.

High North Dakota default opt-out from nonaffiliate marketing

Unlike the general policy where sharing occurs unless a customer opts out, North Dakota residents receive opt-out protection automatically.

High Vermont residents nonaffiliate marketing disclosure prohibition

Vermont residents have a stronger default protection against nonaffiliate marketing disclosures, requiring either legal permission or explicit customer authorization before such disclosure occurs.

Document Coverage
Privacypolicy Termsofservice
Last change detected: Jul 19, 2026 Changes (12 months): 6 Documents monitored: 2 Provisions tracked: 15
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Documents

Chime Terms of Service

Last updated May 5, 2026 · Terms of service
0 provisions 0 versions captured Version history →

Chime Privacy Policy

Medium

This policy explains how Chime collects and shares your financial and personal information, including with outside companies for marketing. By default, your data is shared with nonaffiliated companies for marketing …

Last updated May 5, 2026 · Privacy policy
8 provisions 6 versions captured 4 significant changes Version history →

Recent Changes

June 21, 2026 · Chime Privacy Policy Medium

Chime updated its privacy notice on June 21, 2026, with a version change from 08/2017 to 06/2026. The updated notice includes reorganized sharing tables that now separately detail reasons Chime …

View change record →
May 11, 2026 · Chime Privacy Policy Medium

Chime removed detailed sharing disclosures and opt-out question-and-answer format from their privacy policy, replacing it with a single line directing users to update Privacy Settings via their account or mobile …

View change record →
April 20, 2026 · Chime Privacy Policy Medium

Chime updated its privacy notice with mostly minor edits, but made one material change: it now states it does NOT share information with other financial companies for joint marketing purposes, …

View change record →
April 19, 2026 · Chime Privacy Policy Medium

Chime's updated Consumer Privacy Notice (revised February 2025) contains several substantive changes to data sharing disclosures. Most significantly, the policy now states that Chime shares customer information for joint marketing …

View change record →
📈 Policy Drift Analysis View all changes →

High Severity Provisions (1)

View all high severity provisions → Compare Chime with other platforms →

Applicable Regulations

CCPA/CPRA
California, USA
View official text ↗
CFAA
United States Federal
View official text ↗
Connecticut Data Privacy Act Amendments
US-CT
View official text ↗
CAN-SPAM
United States Federal
View official text ↗
EFTA / Reg E
United States Federal
View official text ↗
FCRA
United States Federal
View official text ↗
FTC Act Section 5
United States Federal
View official text ↗
GLBA
United States Federal
View official text ↗
Indiana Consumer Data Protection Act
US-IN
View official text ↗
Kentucky Consumer Data Protection Act
US-KY
View official text ↗
TCPA
United States Federal
View official text ↗
Universal Opt-Out Mechanism Expansion 2026
US
View official text ↗

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Frequently Asked Questions

What Chime documents does ConductAtlas track?

ConductAtlas tracks 2 Chime documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.

How many policy changes has Chime made in the past year?

Chime has made 6 policy changes in the past 12 months across the documents ConductAtlas tracks.

How many provisions has ConductAtlas classified for Chime?

ConductAtlas has classified 15 provisions across Chime's tracked documents. 1 are rated high severity, 11 medium, and 3 low.

Can I get alerts when Chime changes their policies?

Yes. Monitor subscribers ($4.99/month) can add Chime to their watchlist and receive same-day email alerts whenever any tracked document changes.