Banking services provided by The Bancorp Bank, N.A. Chime is a financial technology company, not a bank. Cardholders must make a deposit to the secured card to set a credit limit and then they can make everyday purchases. The Secured Chime Credit Builder Visa® Credit Card advertises a path to build a healthy credit history-a similar claim other secured cards share. Chime is a nontraditional technology company offering access to basic services like checking, savings and credit accounts.