{"id":12404,"date":"2024-03-13T07:08:29","date_gmt":"2024-03-13T07:08:29","guid":{"rendered":"https:\/\/blog.prestmit.io\/?p=12404"},"modified":"2025-10-30T10:08:39","modified_gmt":"2025-10-30T10:08:39","slug":"what-is-chime-and-how-does-it-work","status":"publish","type":"post","link":"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work","title":{"rendered":"What is Chime and How Does it Work?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69e739a8c025e\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69e739a8c025e\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#What_is_Chime\" >What is Chime?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#Who_Can_Use_Chime\" >Who Can Use Chime?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#How_Does_Chime_Work\" >How Does Chime Work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#How_Do_You_Use_Chime_Step-by-Step\" >How Do You Use Chime? Step-by-Step<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#Step_1_Download_the_Chime_App\" >Step 1: Download the Chime App<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#Step_2_Create_Your_Account\" >Step 2: Create Your Account<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#Step_3_Wait_for_Account_Approval\" >Step 3: Wait for Account Approval<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#Step_4_Add_Money_to_Your_Account\" >Step 4: Add Money to Your Account<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#Step_5_Activate_%E2%80%9CGet_Paid_Early%E2%80%9D\" >Step 5: Activate \u201cGet Paid Early\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#Step_6_Start_Spending\" >Step 6: Start Spending<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#Step_7_Set_Up_Automatic_Savings\" >Step 7: Set Up Automatic Savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#Step_8_Manage_Everything_in_the_App\" >Step 8: Manage Everything in the App<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#Key_Features_of_Chime\" >Key Features of Chime<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#1_Accounts\" >1. Accounts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#2_The_Secured_Chime_Credit_Builder_Visa%C2%AE_Credit_Card\" >2. The Secured Chime Credit Builder Visa\u00ae Credit Card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#3_Automatic_Saving_Features\" >3. Automatic Saving Features\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#Chimes_Technology_and_Security_Measures\" >Chime\u2019s Technology and Security Measures<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#Frequently_Asked_Questions_FAQs_About_Chime\" >Frequently Asked Questions (FAQs) About Chime\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#Who_is_Eligible_to_Open_a_Chime_Account\" >Who is Eligible to Open a Chime Account?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#How_Do_I_Fund_and_Use_My_Chime_Account\" >How Do I Fund and Use My Chime Account?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#How_Are_Deposits_and_Customer_Funds_Protected_When_Using_Chime\" >How Are Deposits and Customer Funds Protected When Using Chime?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\/#Conclusion\" >Conclusion\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">You have probably heard of Chime, the fintech company making waves, and for good reason. With around 22.3 million customers as of 2023, and about 11 million of them using Chime as their primary bank, the scale of its impact is hard to ignore.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What\u2019s fascinating is that Chime isn\u2019t a traditional bank, yet it offers no monthly fees, early paycheck access, automatic savings tools, and a full banking experience right from your phone, something many banks still struggle to match.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s easy to see why so many people are switching, as Chime continues to redefine what everyday banking should feel like in the digital age.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article explores what Chime is, how it works, and why it\u2019s quickly becoming the go-to choice for millions seeking smarter, hassle-free banking.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Chime\"><\/span><b>What is Chime?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"aligncenter size-large wp-image-12407 lazyload\" data-src=\"https:\/\/prestmit.io\/blog\/wp-content\/uploads\/2024\/03\/Chime-bank-logo-on-smartphone-iStock-1179539100-1024x576.jpg\" alt=\"What is Chime and who can use it?\" width=\"1024\" height=\"576\" data-srcset=\"https:\/\/blog.prestmit.io\/wp-content\/uploads\/2024\/03\/Chime-bank-logo-on-smartphone-iStock-1179539100-1024x576.jpg 1024w, https:\/\/blog.prestmit.io\/wp-content\/uploads\/2024\/03\/Chime-bank-logo-on-smartphone-iStock-1179539100-150x84.jpg 150w, https:\/\/blog.prestmit.io\/wp-content\/uploads\/2024\/03\/Chime-bank-logo-on-smartphone-iStock-1179539100-768x432.jpg 768w, https:\/\/blog.prestmit.io\/wp-content\/uploads\/2024\/03\/Chime-bank-logo-on-smartphone-iStock-1179539100.jpg 1280w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/576;\" \/><\/p>\n<p><a href=\"https:\/\/www.chime.com\/\" target=\"_blank\" rel=\"noopener\">Chime <\/a>is an online banking platform, not an actual bank. It partners with Stride Bank, N.A. and The Bancorp Bank to offer FDIC-insured checking and savings accounts for up to $250,000.<\/p>\n<p><a href=\"https:\/\/en.wikipedia.org\/wiki\/Chime_(company)\" target=\"_blank\" rel=\"noopener\">Founded in 2013 by Ryan King and Chris Britt<\/a> with its headquarters in San Francisco, Chime provides banking services to millions of people. Some of its perks are 24\/7 online banking, Free ATM access, no foreign transaction fee, and cash deposits at thousands of locations.<\/p>\n<p>Chime stands out because of its commitment to providing almost free banking to its users and its user-centred approach, which allows users to manage their money better while eliminating the roadblocks that come with <a href=\"https:\/\/prestmit.io\/blog\/what-is-the-difference-between-cryptocurrency-and-traditional-banks\/\" target=\"_blank\" rel=\"noopener\">traditional banking<\/a>. Its most vital feature is that it&#8217;s excellent for people who might not qualify to open accounts elsewhere.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Who_Can_Use_Chime\"><\/span><span style=\"font-weight: 400;\">Who Can Use Chime?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The people who can <a href=\"https:\/\/prestmit.io\/blog\/transfer-money-chime-cash-app\">use <\/a><\/span><span style=\"font-weight: 400;\">Chime<\/span><span style=\"font-weight: 400;\"> are individuals living in the United States who are at least 18 years old and have a valid Social Security number.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To open an account, you must also have a U.S. residential address and a compatible smartphone that can access the Chime mobile app. The platform is meant for personal banking, so each account is registered under an individual\u2019s name rather than a business or joint ownership.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Currently, Chime is not available to users outside the United States. This means non-U.S. residents or people without a Social Security number cannot sign up.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, if you\u2019re a U.S. citizen living abroad or someone who frequently travels, you can still use your Chime account through the app and debit card, as long as you have a reliable internet connection.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Does_Chime_Work\"><\/span><span style=\"font-weight: 400;\">How Does Chime Work?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Chime works as a financial technology platform that provides digital banking services through partnerships with traditional banks. While it\u2019s not a bank itself, Chime collaborates with The Bancorp Bank, N.A., and Stride Bank, N.A., which are both FDIC-insured institutions.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These partner banks hold customers\u2019 deposits and provide the legal banking framework, while Chime handles the technology, mobile app, and customer experience.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you open a Chime account, you get two main products, a Spending Account (similar to a checking account), and a Savings Account.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Spending Account is linked to a Chime Visa Debit Card, which you can use for everyday purchases, bill payments, and ATM withdrawals. You can fund your account through direct deposit, transfers from other banks, or mobile check deposits within the app.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Chime\u2019s operations revolve around automation and transparency. The app automatically categorizes transactions, sends real-time alerts for every purchase, and helps you save through round-ups or percentage-based transfers into your savings account.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In essence, Chime works by combining the security of traditional banking with the flexibility of modern technology, giving you a convenient, fee-free, and mobile-driven way to manage your finances.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Do_You_Use_Chime_Step-by-Step\"><\/span><span style=\"font-weight: 400;\">How Do You Use Chime? Step-by-Step<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Here\u2019s a step-by-step guide to help you get started with Chime and make the most of its features:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_1_Download_the_Chime_App\"><\/span><span style=\"font-weight: 400;\">Step 1: Download the Chime App<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Go to the <\/span><a href=\"https:\/\/apps.apple.com\/us\/app\/chime-mobile-banking\/id836215269\" target=\"_blank\"><span style=\"font-weight: 400;\">App Store<\/span><\/a><span style=\"font-weight: 400;\"> or <\/span><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.onedebit.chime&amp;hl=en\" target=\"_blank\"><span style=\"font-weight: 400;\">Google Play Store<\/span><\/a><span style=\"font-weight: 400;\">\u00a0and search for \u201cChime.\u201d Download and install the official Chime mobile app on your smartphone. You can also visit the <\/span><span style=\"font-weight: 400;\">Chime website<\/span><span style=\"font-weight: 400;\"> to begin the sign-up process.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_2_Create_Your_Account\"><\/span><span style=\"font-weight: 400;\">Step 2: Create Your Account<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Open the app and tap \u201cGet Started.\u201d Enter your full name, email address, home address, date of birth, and Social Security number. This information is required to verify your identity and create your account.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_3_Wait_for_Account_Approval\"><\/span><span style=\"font-weight: 400;\">Step 3: Wait for Account Approval<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Once you submit your details, Chime will review your application. Most users are approved instantly, but in some cases, verification may take a bit longer. After approval, you\u2019ll receive your Chime Visa Debit Card in the mail within 7\u201310 business days.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_4_Add_Money_to_Your_Account\"><\/span><span style=\"font-weight: 400;\">Step 4: Add Money to Your Account<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can fund your Chime account in several ways:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Set up direct deposit from your employer or benefits provider.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transfer money from another bank account using your routing and account number.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Deposit checks directly through the mobile check deposit feature in the app.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Step_5_Activate_%E2%80%9CGet_Paid_Early%E2%80%9D\"><\/span><span style=\"font-weight: 400;\">Step 5: Activate \u201cGet Paid Early\u201d<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you set up direct deposit, you can turn on Chime\u2019s \u201cGet Paid Early\u201d feature. This allows you to access your paycheck up to two days earlier than traditional banks.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_6_Start_Spending\"><\/span><span style=\"font-weight: 400;\">Step 6: Start Spending<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Once your account has funds, use your Chime Debit Card for everyday purchases, bill payments, or ATM withdrawals. You\u2019ll receive instant transaction alerts each time you spend money.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_7_Set_Up_Automatic_Savings\"><\/span><span style=\"font-weight: 400;\">Step 7: Set Up Automatic Savings<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">To build your savings effortlessly, enable Chime\u2019s automatic savings options. You can round up every transaction to the nearest dollar or automatically transfer a percentage of your paycheck into your savings account.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_8_Manage_Everything_in_the_App\"><\/span><span style=\"font-weight: 400;\">Step 8: Manage Everything in the App<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Use the Chime app to monitor your balance, view spending insights, send money to friends, and lock or unlock your card instantly. The app gives you full control of your account without visiting a physical bank.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Features_of_Chime\"><\/span><b>Key Features of Chime<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Accounts\"><\/span><span style=\"font-weight: 400;\">1. <\/span><b>Accounts<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Chime offers two bank account options to help you manage your money. Here&#8217;s a rundown of each account&#8217;s features and benefits<\/span><\/p>\n<p><b>Chime Checking Account<\/b><\/p>\n<p><span style=\"font-weight: 400;\">This account allows you to receive payment up to two days early with direct deposit. It comes with SpotMe, a valuable feature that enables you to get a fee-free overdraft of up to $200. The account also has an automated savings feature, allowing fee-free transactions with up to a $5,000 monthly limit. It provides access to 60,000+ fee-free ATMs nationwide and is compatible with <a href=\"https:\/\/prestmit.io\/blog\/use-google-pay-nigeria\">Google Pay<\/a> and <a href=\"https:\/\/prestmit.io\/blog\/apple-pay-use-apple-pay-nigeria\/\" target=\"_blank\" rel=\"noopener\">Apple Pay<\/a>.<\/span><\/p>\n<p><b>Chime Savings Account<\/b><\/p>\n<p><span style=\"font-weight: 400;\">This account offers a 2.00%\u00b9 annual percentage yield (APY). That&#8217;s a fairly competitive rate compared to other high-yield savings accounts of some top online banks. This account does not require payment of monthly fees, nor does it have a minimum balance requirement. There is no cap on the interest you can earn, and a minimum deposit is not required to open an account.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You will need a Chime Checking Account to open a Chime Savings Account.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_The_Secured_Chime_Credit_Builder_Visa%C2%AE_Credit_Card\"><\/span><b>2. The Secured Chime Credit Builder Visa\u00ae Credit Card<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-12406 lazyload\" data-src=\"https:\/\/prestmit.io\/blog\/wp-content\/uploads\/2024\/03\/105451480-1536930484113chime.jpg\" alt=\"Chime Visa debit card\" width=\"983\" height=\"655\" data-srcset=\"https:\/\/blog.prestmit.io\/wp-content\/uploads\/2024\/03\/105451480-1536930484113chime.jpg 983w, https:\/\/blog.prestmit.io\/wp-content\/uploads\/2024\/03\/105451480-1536930484113chime-150x100.jpg 150w, https:\/\/blog.prestmit.io\/wp-content\/uploads\/2024\/03\/105451480-1536930484113chime-768x512.jpg 768w\" data-sizes=\"(max-width: 983px) 100vw, 983px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 983px; --smush-placeholder-aspect-ratio: 983\/655;\" \/><\/p>\n<p><span style=\"font-weight: 400;\">This card is available without needing a credit check to apply. It&#8217;s a secure card designed for people trying to build credit. However, to access this card, you must have a Chime Checking account and receive monthly direct deposits of at least $200 to qualify and apply.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Automatic_Saving_Features\"><\/span><b>3. Automatic Saving Features\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Whenever you use your Chime Visa Debit Card, Chime rounds up purchases to the nearest dollar and deposits the balance into your savings account. It also offers a &#8220;Save When I Get Paid&#8221;\u00a0 feature that automatically transfers 10% of your direct deposit paycheck from your checking account to your savings account each time you get paid.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Chimes_Technology_and_Security_Measures\"><\/span><span style=\"font-weight: 400;\">Chime\u2019s Technology and Security Measures<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Chime uses advanced technology and strict security measures to protect its users\u2019 money and personal data. The platform employs 128-bit AES encryption and follows industry standards such as ISO 27001, PCI DSS, and SOC 2 to safeguard user information during storage and transmission.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To enhance account safety, Chime supports two-factor authentication (2FA) and biometric logins like fingerprint or Face ID, preventing unauthorized access. The platform also allows you to instantly lock or unlock your cards through the mobile app if you suspect any fraud.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition, all Chime debit cards are protected under Visa\u2019s Zero Liability Policy, meaning you aren\u2019t held responsible for unauthorized transactions when reported promptly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Chime\u2019s infrastructure is cloud-based, continuously audited, and updated to address evolving threats. Combined with a dedicated Trust and Safety team and responsive customer support, these measures create a secure, transparent, and user-friendly environment for managing finances entirely through the app.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs_About_Chime\"><\/span><span style=\"font-weight: 400;\">Frequently Asked Questions (FAQs) About Chime\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Who_is_Eligible_to_Open_a_Chime_Account\"><\/span><span style=\"font-weight: 400;\">Who is Eligible to Open a Chime Account?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">To be eligible to open a Chime account, you must be a U.S. resident, at least 18 years old, have a valid Social Security number, and have a U.S. address. Non-U.S. residents and those without SSNs are generally ineligible.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_Do_I_Fund_and_Use_My_Chime_Account\"><\/span><span style=\"font-weight: 400;\">How Do I Fund and Use My Chime Account?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Once you open the account and receive your Chime debit card, you can fund it via direct deposit, transfers from other bank accounts, or mobile check deposit. You use the card or app for purchases, ATM withdrawals, and manage all activity via the mobile interface.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_Are_Deposits_and_Customer_Funds_Protected_When_Using_Chime\"><\/span><span style=\"font-weight: 400;\">How Are Deposits and Customer Funds Protected When Using Chime?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Deposit and customer funds are protected via Chime\u2019s partner banks, which are FDIC-insured. Chime also employs encryption, supports biometric login, two-factor authentication, and real-time transaction alerts.<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Chime is an online financial technology company that disrupts traditional banking by providing almost fee-free services that are available online only. It offers a well-rounded banking experience featuring checking and savings accounts, a debit card, and optional services like early paycheck access and overdraft protection.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Chime partners with traditional banks that provide FDIC insurance and banking infrastructure while leveraging technology for a seamless, user-friendly experience.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you&#8217;re looking for a convenient, low-cost banking solution with a strong focus on the mobile experience, Chime might be a great option to consider.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You have probably heard of Chime, the fintech company making waves, and for good reason. With around 22.3 million customers as of 2023, and about 11 million of them using Chime as their primary bank, the scale of its impact is hard to ignore. What\u2019s fascinating is that Chime isn\u2019t a traditional bank, yet it [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":12405,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[2052],"tags":[2084,2083],"class_list":["post-12404","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-banking-services","tag-chime"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.5 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is Chime and How Does it Work? - Prestmit<\/title>\n<meta name=\"description\" content=\"Chime is one of the growing online banking services available to US citizens. It offers several amazing features. Read up to learn more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is Chime and How Does it Work?\" \/>\n<meta property=\"og:description\" content=\"Chime is one of the growing online banking services available to US citizens. It offers several amazing features. Read up to learn more.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work\" \/>\n<meta property=\"og:site_name\" content=\"Prestmit\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/prestmit\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/prestmit\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-13T07:08:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-30T10:08:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.prestmit.io\/wp-content\/uploads\/2024\/03\/217-Blog-Post.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2402\" \/>\n\t<meta property=\"og:image:height\" content=\"1261\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"prestmit\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/www.twitter.com\/prestmit\" \/>\n<meta name=\"twitter:site\" content=\"@prestmit\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"prestmit\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/what-is-chime-and-how-does-it-work#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/what-is-chime-and-how-does-it-work\"},\"author\":{\"name\":\"prestmit\",\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/#\\\/schema\\\/person\\\/66c7bcbda2fd096b52c069ba33e8a6f3\"},\"headline\":\"What is Chime and How Does it Work?\",\"datePublished\":\"2024-03-13T07:08:29+00:00\",\"dateModified\":\"2025-10-30T10:08:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/what-is-chime-and-how-does-it-work\"},\"wordCount\":1628,\"publisher\":{\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/what-is-chime-and-how-does-it-work#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.prestmit.io\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/217-Blog-Post.jpg\",\"keywords\":[\"banking services\",\"chime\"],\"articleSection\":[\"Investment &amp; Finance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/what-is-chime-and-how-does-it-work\",\"url\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/what-is-chime-and-how-does-it-work\",\"name\":\"What is Chime and How Does it Work? - Prestmit\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/what-is-chime-and-how-does-it-work#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/what-is-chime-and-how-does-it-work#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/blog.prestmit.io\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/217-Blog-Post.jpg\",\"datePublished\":\"2024-03-13T07:08:29+00:00\",\"dateModified\":\"2025-10-30T10:08:39+00:00\",\"description\":\"Chime is one of the growing online banking services available to US citizens. It offers several amazing features. Read up to learn more.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/what-is-chime-and-how-does-it-work#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/prestmit.io\\\/blog\\\/what-is-chime-and-how-does-it-work\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/what-is-chime-and-how-does-it-work#primaryimage\",\"url\":\"https:\\\/\\\/blog.prestmit.io\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/217-Blog-Post.jpg\",\"contentUrl\":\"https:\\\/\\\/blog.prestmit.io\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/217-Blog-Post.jpg\",\"width\":2402,\"height\":1261,\"caption\":\"What is Chie and How Does it Work?\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/what-is-chime-and-how-does-it-work#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What is Chime and How Does it Work?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/\",\"name\":\"Prestmit\",\"description\":\"Blog\",\"publisher\":{\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/#organization\"},\"alternateName\":\"Prest\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/#organization\",\"name\":\"Prestmit\",\"alternateName\":\"Prestmit\",\"url\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/blog.prestmit.io\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/Prestmit-Image.jpg\",\"contentUrl\":\"https:\\\/\\\/blog.prestmit.io\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/Prestmit-Image.jpg\",\"width\":2370,\"height\":1670,\"caption\":\"Prestmit\"},\"image\":{\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/prestmit\",\"https:\\\/\\\/x.com\\\/prestmit\",\"https:\\\/\\\/www.instagram.com\\\/prestmit\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/#\\\/schema\\\/person\\\/66c7bcbda2fd096b52c069ba33e8a6f3\",\"name\":\"prestmit\",\"description\":\"As a cryptocurrency and gift card expert, I am passionate about exploring the intersection of finance and technology. With a background in both fields, I bring a unique perspective to my writing, offering an in-depth analysis of the latest developments and trends in the world of digital currencies and gift cards.\",\"sameAs\":[\"https:\\\/\\\/blog.prestmit.io\",\"https:\\\/\\\/www.facebook.com\\\/prestmit\",\"https:\\\/\\\/www.instagram.com\\\/prestmit\",\"https:\\\/\\\/x.com\\\/https:\\\/\\\/www.twitter.com\\\/prestmit\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCtfCmHtHdpU0cOW3JY1pnMA\"],\"url\":\"https:\\\/\\\/prestmit.io\\\/blog\\\/author\\\/prestmit\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"What is Chime and How Does it Work? - Prestmit","description":"Chime is one of the growing online banking services available to US citizens. It offers several amazing features. Read up to learn more.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work","og_locale":"en_US","og_type":"article","og_title":"What is Chime and How Does it Work?","og_description":"Chime is one of the growing online banking services available to US citizens. It offers several amazing features. Read up to learn more.","og_url":"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work","og_site_name":"Prestmit","article_publisher":"https:\/\/www.facebook.com\/prestmit","article_author":"https:\/\/www.facebook.com\/prestmit","article_published_time":"2024-03-13T07:08:29+00:00","article_modified_time":"2025-10-30T10:08:39+00:00","og_image":[{"width":2402,"height":1261,"url":"https:\/\/blog.prestmit.io\/wp-content\/uploads\/2024\/03\/217-Blog-Post.jpg","type":"image\/jpeg"}],"author":"prestmit","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/www.twitter.com\/prestmit","twitter_site":"@prestmit","twitter_misc":{"Written by":"prestmit","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work#article","isPartOf":{"@id":"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work"},"author":{"name":"prestmit","@id":"https:\/\/prestmit.io\/blog\/#\/schema\/person\/66c7bcbda2fd096b52c069ba33e8a6f3"},"headline":"What is Chime and How Does it Work?","datePublished":"2024-03-13T07:08:29+00:00","dateModified":"2025-10-30T10:08:39+00:00","mainEntityOfPage":{"@id":"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work"},"wordCount":1628,"publisher":{"@id":"https:\/\/prestmit.io\/blog\/#organization"},"image":{"@id":"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work#primaryimage"},"thumbnailUrl":"https:\/\/blog.prestmit.io\/wp-content\/uploads\/2024\/03\/217-Blog-Post.jpg","keywords":["banking services","chime"],"articleSection":["Investment &amp; Finance"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work","url":"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work","name":"What is Chime and How Does it Work? - Prestmit","isPartOf":{"@id":"https:\/\/prestmit.io\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work#primaryimage"},"image":{"@id":"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work#primaryimage"},"thumbnailUrl":"https:\/\/blog.prestmit.io\/wp-content\/uploads\/2024\/03\/217-Blog-Post.jpg","datePublished":"2024-03-13T07:08:29+00:00","dateModified":"2025-10-30T10:08:39+00:00","description":"Chime is one of the growing online banking services available to US citizens. It offers several amazing features. Read up to learn more.","breadcrumb":{"@id":"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work#primaryimage","url":"https:\/\/blog.prestmit.io\/wp-content\/uploads\/2024\/03\/217-Blog-Post.jpg","contentUrl":"https:\/\/blog.prestmit.io\/wp-content\/uploads\/2024\/03\/217-Blog-Post.jpg","width":2402,"height":1261,"caption":"What is Chie and How Does it Work?"},{"@type":"BreadcrumbList","@id":"https:\/\/prestmit.io\/blog\/what-is-chime-and-how-does-it-work#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/prestmit.io\/blog\/"},{"@type":"ListItem","position":2,"name":"What is Chime and How Does it Work?"}]},{"@type":"WebSite","@id":"https:\/\/prestmit.io\/blog\/#website","url":"https:\/\/prestmit.io\/blog\/","name":"Prestmit","description":"Blog","publisher":{"@id":"https:\/\/prestmit.io\/blog\/#organization"},"alternateName":"Prest","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/prestmit.io\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/prestmit.io\/blog\/#organization","name":"Prestmit","alternateName":"Prestmit","url":"https:\/\/prestmit.io\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/prestmit.io\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/blog.prestmit.io\/wp-content\/uploads\/2022\/11\/Prestmit-Image.jpg","contentUrl":"https:\/\/blog.prestmit.io\/wp-content\/uploads\/2022\/11\/Prestmit-Image.jpg","width":2370,"height":1670,"caption":"Prestmit"},"image":{"@id":"https:\/\/prestmit.io\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/prestmit","https:\/\/x.com\/prestmit","https:\/\/www.instagram.com\/prestmit"]},{"@type":"Person","@id":"https:\/\/prestmit.io\/blog\/#\/schema\/person\/66c7bcbda2fd096b52c069ba33e8a6f3","name":"prestmit","description":"As a cryptocurrency and gift card expert, I am passionate about exploring the intersection of finance and technology. With a background in both fields, I bring a unique perspective to my writing, offering an in-depth analysis of the latest developments and trends in the world of digital currencies and gift cards.","sameAs":["https:\/\/blog.prestmit.io","https:\/\/www.facebook.com\/prestmit","https:\/\/www.instagram.com\/prestmit","https:\/\/x.com\/https:\/\/www.twitter.com\/prestmit","https:\/\/www.youtube.com\/channel\/UCtfCmHtHdpU0cOW3JY1pnMA"],"url":"https:\/\/prestmit.io\/blog\/author\/prestmit"}]}},"_links":{"self":[{"href":"https:\/\/prestmit.io\/blog\/wp-json\/wp\/v2\/posts\/12404","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prestmit.io\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/prestmit.io\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/prestmit.io\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/prestmit.io\/blog\/wp-json\/wp\/v2\/comments?post=12404"}],"version-history":[{"count":6,"href":"https:\/\/prestmit.io\/blog\/wp-json\/wp\/v2\/posts\/12404\/revisions"}],"predecessor-version":[{"id":16161,"href":"https:\/\/prestmit.io\/blog\/wp-json\/wp\/v2\/posts\/12404\/revisions\/16161"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/prestmit.io\/blog\/wp-json\/wp\/v2\/media\/12405"}],"wp:attachment":[{"href":"https:\/\/prestmit.io\/blog\/wp-json\/wp\/v2\/media?parent=12404"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/prestmit.io\/blog\/wp-json\/wp\/v2\/categories?post=12404"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/prestmit.io\/blog\/wp-json\/wp\/v2\/tags?post=12404"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}