Electronic Communication Agreement

Please read this information carefully and print or download a copy for your files.

This Electronic Communications Agreement (“Disclosure”) applies to all communications for those products and services offered or accessible through www.chimebank.com  (the “Website”). This Disclosure supplements and is to be construed in accordance with the terms contained in the Chime Deposit Account Agreement (“Deposit Account Agreement”) and the Chime Savings Account Agreement (“Savings Account Agreement”) you received when you obtained the demand deposit account or savings account (“The Chime Accounts”).

“We”, “us”, “our”, refers to Chime Financial, Inc. (fka 1debit, Inc.), “Issuing Bank” and “Stride” means Stride Bank, N.A. “You” and “your” mean the person or persons identified on the Chime-Stride Account(s). “Communication” means any customer agreements or amendments thereto, disclosures, notices, responses to claims, transaction histories, privacy policies and all other information in connection with the Chime-Stride Account(s) or related products and services, including but not limited to information that we are required by law to provide you in writing.

If you do not agree to the legally-required notices and communications described herein in electronic and not paper form, then you may not open a Chime-Stride Account(s). The Chime-Stride Account(s) are intended for use only by individuals who are willing and able to receive notices and communications exclusively through electronic means. Similarly, if after providing your consent hereunder, you withdraw such consent, we reserve the right to terminate your Chime-Stride Account(s) and your participation in the program.

  1. Scope of Communications to Be Provided in Electronic Form. When you use a Chime-Stride Account(s), product, or service to which this Disclosure applies, you agree that we may provide you with any Communications in electronic format, to the extent allowed by law, and that we may discontinue sending paper Communications to you. Your consent to receive electronic communications and transactions includes, but is not limited to:
    1. All legal and regulatory disclosures and communications associated with your Chime-Stride Account(s), including e-statements or other periodic statements
    2. Change-in-terms related to your Chime-Stride Account(s)
    3. Privacy policies and notices;
    4. Responses to claims filed in connection with your Chime-Stride Account(s);
    5. Notices regarding insufficient funds or negative balances; and
    6. All other communications between us and you concerning your Chime-Stride Account(s) and any related transactions, products or services.
  2. Method of Providing Communications to You in Electronic From.  All communications that we provide to you in electronic form will be provided either (1) via email or (2) by access to a web site that is designated in an email notice sent to you at the time the information is available.
  3. How to Withdraw Consent.  You may exercise you right to withdraw your consent to receive Communications in electronic form by contacting us at P.O. Box 417, San Francisco, CA 94104-0417. If you withdraw your consent, we will close your Chime-Stride Account(s), and mail you a refund check for any amount remaining balance(s) in your Chime-Stride Account(s) in accordance with the terms of your Deposit Account Agreement or Savings Account Agreement. If you withdraw your consent, the legal validity and enforceability of prior Communications delivered in electronic form will not be affected.
  4. How to Update Your Records. It is your responsibility to provide us with a true, accurate and complete email address, contact, and other information related to this Disclosure and your Chime-Stride Account(s), and to maintain and update promptly any changes in this information. You can update information (such as your email address) through www.chimebank.com or by contacting us at 1-844-244-6363. We are not responsible for any delay or failure in your receipt of the Communications if we send the Communications to the last email address you have provided to us.
  5. Hardware and Software Requirements.  In order to access, view, and retain electronic Communications that we make available to you, you must have:
    1. Either a personal computer capable of running one of these compatible browsers OR a mobile device running on the below versions:
      1. Internet Explorer version 9.0 or higher.
      2. Firefox version 35 or higher.
      3. Safari version 6.1 or higher.
      4. Chrome version 38 or higher.
      5. an Apple iPhone or iPad running iOS version 8.0 or higher.
      6. an Android phone running Android version 4.1 or higher.
    2. AND access to an active email account with an Email service provider.
  6. Requesting Paper Copies.  We will not send you a paper copy of any Communication, however, we reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.
  7. Communications in Writing. All Communications in either electronic or paper format will be considered “in writing”. You should print or download for your records a copy of this Disclosure and any other Communication that is important to you.
  8. Federal Law.  You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to federal Electronic Signatures in Global and National Commerce Act (the “Act”), and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
  9. Termination/Changes.  We reserve the right, at our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.
  10. Consent.  By checking “I agree”, you adopt the check as your electronic signature and you give your affirmative consent to provide electronic Communications to you as described herein. You further agree that your computer satisfies the hardware and software requirements specified above and that you have provided us with a current email address at which we may send electronic Communications to you.

This Agreement is effective 08/2019

Banking Services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

The Bancorp Bank and Stride Bank, neither endorse nor guarantee any of the information, recommendations, optional programs, products, or services advertised, offered by, or made available through the external website ("Products and Services") and disclaim any liability for any failure of the Products and Services.

Please note: By clicking on some of the links above, you will leave the Chime website and be directed to an external website. The privacy policies of the external website may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing any personal information.

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