Login to your account or download the Chime mobile app. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license. Opening an online banking account with Chime takes less than 2 minutes. Once enrollment is completed*, we'll send a Chime Visa® Debit Card in the mail to the. How do I open a Chime Spending Account and get a Visa® Debit Card? · Do I need a credit check to apply for a Chime Spending Account or to get a Chime debit. The second is through the Chime activation number on the phone. Does the Chime debit chime activate your card have a chip? After confirming your address a replacement card will arrive within two weeks. To access your money through Chime without a card, you'll need your phone. Next select 'Settings.