1 

With qualifying direct deposits, earn 5% cash back as a Chime Prime member or 2% cash back as a Chime Plus member on up to $1,500 of eligible secured Chime Visa® Credit Card purchases. See the Secured Chime Visa® Credit Card - Cash Rewards Program Addendum for limitations and details on earning cash back on your monthly selected category.

2 

The Annual Percentage Yields ("APYs") for the Chime Savings Account are variable and may change at any time. The disclosed APY rates are effective as of 04/02/2026. No minimum balance required. Must have $0.01 in savings to earn interest. The following APY rates apply based upon your status: 3.75% APY for Chime Prime, 3.00% APY for Chime Plus, and 0.75% APY for standard. See Chime Membership Tiers Terms and Conditions for more details.

3 

Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Chime Card, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.

4 

Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products. Learn more here.

5 

On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

6 

To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A Qualifying Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Limits may be impacted by your use of other Chime products. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.

7 

SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.

Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe terms and conditions.

8 

Based on 2025 internal comparison to select traditional bank and fintech offerings. THE MOST REWARDING WAY TO BANK is a Trademark of Chime Financial, Inc.

9 

To be eligible for Chime Prime status, receive $3,000+ in qualifying direct deposits to your Chime Checking Account in the past 34 days. To be eligible for Chime Plus status, receive either 1) a single $200+ qualifying direct deposit; or 2) $400+ in cumulative qualifying direct deposits to your Chime Checking Account in the preceding 34 days. Certain products marketed as perks have additional eligibility requirements. While some perks may have associated fees, none of these fees are mandatory to access the perks or to maintain the applicable status. See the Chime Membership Tiers Terms and Conditions for details on all listed Prime and Plus perks.

10 

Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network. Learn more here.

11 

National average APY rate is variable, current rates reported by the FDIC here.

12 

Number of lounges and experiences is subject to change.

13 

The secured Chime Visa® Credit Card cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at Visa Concierge Terms of Service | Visa.

14 

#1 Most Loved Banking App Source: Chime is recommended by more of its users in the 2025 Qualtrics® NPS study when compared to top national banks and select fintechs. THE #1 MOST LOVED BANKING APP is a Registered Trademark of Chime Financial, Inc.

15 

Estimated value of Chime Prime benefits varies depending on benefits used. There is no guarantee you will reach any specific value. The estimated value assumes $3,000+ in direct deposit each month over a 12 -month period: average Savings Account balance of $500 in a high-yield savings account with the Chime Prime 3.75% APY applicable during the 12-month period, 5% cash back on $1,500 of monthly eligible Chime Card purchases, annual Priority Pass membership benefits valued at $169, 1 complimentary Gigsky plan valued at $6.50, and annual max international ATM fee reimbursement valued at $60. Other benefits may be available.

16 

Some Restrictions and Limitations may apply. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases the hotel may or may not provide a substantial benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property.

17 

You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

18 

Chime is not FDIC-insured. The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. FDIC deposit insurance limit is $250,000 per depositor, per insured bank, per ownership category.

19 

The 3.75% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 0.75% APY will apply. The APYs are effective as of 04/02/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details.

Get started

Start banking fee-free. Plus earn rewards.

  • 5% cash back1

  • 3.75% APY on savings2

  • Grow your credit by up to 70 points3

  • Premium travel perks and more

Chime banking app showing Chime Prime tier with account balance of $1,246.91, savings, cash back rewards, and Premium travel perks next to a black Chime Visa card.

Login › Privacy Policy › Terms & Conditions ›

Chime banking app showing Chime Prime tier with account balance of $1,246.91, savings, cash back rewards, and Premium travel perks next to a black Chime Visa card.

The more you direct deposit, the more you unlock.

You bank fee-free,4 plus build credit,5 and Get Paid When You Say.6 But you get more based on how much you direct deposit.

Monthly
Direct Deposit

Chime Prime Logo with $3000+ DD

Chime Plus Logo with $200+ DD

Cash back with Chime Card1

5%

2%

Savings APY2

3.75% APY

3.00% APY

Fee-free overdraft7

Checkmark in Circle

Checkmark in Circle

Up to $500 before payday6

Checkmark in Circle

Checkmark in Circle

24/7 priority support

Checkmark in Circle

Checkmark in Circle

Premium card upgrade

Checkmark in Circle

Travel Perks and giveaways

Checkmark in Circle

The Most Rewarding Way to Bank.8

With Chime Prime™ unlock more benefits when you direct deposit at least $3,000 monthly.9 Not ready? Check out our other plans here.

How it works

Popular Features

Membership TiersChime Debit CardBuild CreditChecking AccountHigh Yield Savings AccountGet Paid EarlyMyPay

Company

AboutInvestor RelationsIn the NewsCareersFor Employers

Resources

In The GreenHelp CenterTrust & SafetySavings CalculatorFind an ATMPaycheck CalculatorChime Reviews

Privacy

PoliciesChime U.S. Privacy NoticeDo Not Sell or Share My Personal InformationSupporting Those With Disabilities

Contact

844-244-6363Become an Affiliate
Download on the App StoreGet it on Google Play
FacebookX (Twitter)Instagram

MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS ID 2316451).

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

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

Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

Chime vs. Traditional Bank Offerings

Chime isn’t a bank. We offer the #1 Most Loved Banking App14 built to help everyday people make financial progress. See how Chime’s banking features compare.*

Chime vs 
Bank of America
Wells Fargo

Chime Logo - White

Bank of America

Wells Fargo

Cash back1

In the category of your choice.

5%

With Chime Card and Chime Prime

6% first year, 3% after

Customized Cash Rewards Secured Credit Card

X Mark in Circle Symbol

No Secured Card with cash back

Savings APY2

3.75%

Chime Prime

0.04%

Advantage Savings Account

0.05%

Platinum Savings Account

Fee Free Banking4

Checking with no monthly fee without additional requirements.

Checkmark in Circle

X Mark in Circle Symbol

X Mark in Circle Symbol

* 

With Chime Prime, get 5% cash back on eligible Chime Card purchases and 3.75% Prime APY on your Savings Account balance. Not all Chime benefits listed require qualifying direct deposits of $3,000+. Chart based on internal comparison conducted February 2026 to select offerings at traditional banks, numbers subject to change at any time. See details used for comparison to traditional bank offerings here.

1

Sign up in minutes

Signing up is easy—just follow a few simple prompts and download the Chime app.

Black Chime Visa card next to smartphone showing banking mobile app with $1,246.91 balance, 5% Cash back and High Yield Savings.
2

Set up direct deposit

Get exclusive rewards and perks when you set up a qualifying direct deposit.

Mobile banking app screen showing "Set up direct deposit" page with routing and account numbers and copy buttons.
3

Access your benefits

Start enjoying up to 5% cash back, 3.75% APY on savings, premium travel perks, and so much more.

Mobile app screen showing Premium Travel Perks with four options: Airport lounges, Concierge, Luxury hotels, and Int'l data.
Passenger with blonde hair in navy blazer smiling while holding green phone on airplane, seated in dark blue seat.
Chime Prime logo.

Now arriving: premium travel perks.

Chime Card is your ticket to all premium Chime Prime travel perks. See how you can enjoy $1,150 in annual benefits15 just for banking through Chime.

We take security seriously.

Smartphone displaying Security Center with 100% completion of security tasks, showing green progress circle, high security, and completed steps.

Real-time alerts

Chime allows you to receive instant transaction alerts anytime you use your Chime Card.

Visa® Zero Liability

Chime cards are backed by Visa’s Zero Liability Policy.17 You're covered if your card is lost, stolen, or fraudulently used.

24/7 Priority Support

Chime Prime™ members get access to priority support, 24/7 with a live human.

Privacy and Security

We support two-factor authentication and support fingerprint authentication.

Corey, member since 2020.

With Chime I'm saving hundreds of dollars a year.

Corey, member since 2020

Real member. Paid testimonial.

Bank illustration icon.

FDIC Insured

Deposits are FDIC-insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. This protects your deposits if an FDIC-insured bank fails.18

Illustration of no fees.

Fee-free Banking4

No overdraft fees, no monthly fees, and 47K fee-free ATMs,10 and more with your accounts.

Priority Pass™ Membership

Access to 1,800+ airport lounges12 around the globe. Includes 2 complimentary visits.

Priority Pass™ Membership

Access to 1,800+ airport lounges12 around the globe. Includes 2 complimentary visits.

Visa Signature Concierge

Call or chat with a 24/7 Visa Signature® Concierge who will book flights, hotels, or reservations.13

Visa Signature Concierge

Call or chat with a 24/7 Visa Signature® Concierge who will book flights, hotels, or reservations.13

Illustration of stack of money with an arrow, indicating Chime's Cash Back features.

5% Cash Back1

With Chime Card™ on your category of choice.

Illustration of a piggy bank representing high-yield savings.

3.75% Savings APY2

9x the national average.11

Gauge illustration, highlighting FICO credit score.

Everyday Credit Building5

Grow your FICO® Score by up to 70 points.3

Airplane illustration, highlight travel perks.

Premium Travel Perks with Chime Card

Enjoy more seamless travel with 1,800+ airport lounges12 around the globe, Visa Signature concierge,13 and more.

Luxury Hotel Collection

Get access to a premium collection of benefits like VIP status, complimentary breakfast for two, and an upgrade when available.16

Luxury Hotel Collection

Get access to a premium collection of benefits like VIP status, complimentary breakfast for two, and an upgrade when available.16

Global mobile data

Get 1GB/15 days of complimentary global mobile data for compatible devices with Visa and GigSky.

Global mobile data

Get 1GB/15 days of complimentary global mobile data for compatible devices with Visa and GigSky.

International ATM Reimbursement

Get automatically reimbursed two Chime out-of-network fees per month when you withdraw cash from an international ATM.

International ATM Reimbursement

Get automatically reimbursed two Chime out-of-network fees per month when you withdraw cash from an international ATM.

1,000,000+ 5 star reviews

In the App Store and Google Play.

4.8

App Store

(1M Reviews)

4.7

Google Play Store

(780K Reviews)

FAQs

What is Chime Prime?

Chime Prime is Chime’s top membership tier that gives you The Most Rewarding Way to Bank8 fee-free.4 With Chime Prime, you get 5% cashback with Chime Card,1 3.75% savings APY,19 premium travel perks with Chime Card, and more. To qualify, receive $3,000 or more in qualifying direct deposits each month with Chime.

How do I get Chime Prime?

You qualify for Chime Prime when you direct deposit at least $3,000 every month with Chime.9 Once you reach at least $3,000 in qualifying direct deposits, you can start benefiting from your Chime Prime status without a subscription or manual upgrade. To make the most of your Chime Prime benefits, make sure to get a Chime Card so you can earn cash back on a category of choice and access all of the premium travel perks.

How do new members get Chime Prime?

New members qualify the same way as existing members—just direct deposit at least $3,000 every month with Chime9 and you can start benefiting from your Chime Prime status automatically.

Is Chime Prime free?

Yes! Chime Prime is free. There are no monthly fees, no maintenance fees, and no minimum balance requirements. Make at least $3,000 in qualifying direct deposits every month9 and you’ll automatically get Chime Prime.

When will Chime Prime be available?

Chime Prime launches to select members in early 2026 followed by a full rollout in spring 2026.

What makes Chime Prime different from Chime Plus?

Chime Prime includes everything in Chime Plus with more rewards and benefits including more cash back with Chime Card, a higher Savings APY, and premium travel perks with Chime Card.

What benefits do you get with Chime Prime?

Chime Prime members receive:

  • 5% cash back1 on Chime Card in a category you select each month

  • 3.75% savings APY,19 the highest at Chime

  • Premium travel benefits with Chime Card, including airport lounge access and hotel perks

  • Get your pay before payday with MyPay® and fee-free overdraft7

How do I make the most out of Chime Prime while traveling?

You can use your Chime Prime benefits to help make every trip elevated and stress-free. 

Before you go on your trip, make sure to: 

  • Activate your complimentary Priority Pass® membership

  • Set up a free mobile data plan with GigSky®

  • Choose your Chime Card cash-back category that fits your trip—like restaurants, travel, or rideshare

  • Contact the Visa Signature® Concierge for help booking flights, hotels, dining, or activities

  • Explore and book properties in the Visa Signature Luxury Hotel Collection to get the best nightly rates and additional perks 

During your trip, you can: 

  • Enjoy airport lounges with Priority Pass  

  • Use your Chime Card for every purchase in your cash back category to maximize your cash back earnings 

  • Withdraw money from an international ATM 2 times per month and automatically get reimbursed for the Chime out-of-network fee 

  • Experience easy, hassle-free mobile data wherever you go with your GigSky plan 

Can I have both Chime Plus and Chime Prime?

No, you can only have one Chime membership tier active at a time. If you qualify for Chime Prime by meeting the $3,000 monthly direct deposit threshold, your account automatically updates to Chime Prime and includes access to your new benefits, including benefits available with Chime Plus.

What happens if I drop below the qualifying deposit amount?

If you stop receiving $3,000+ in qualifying direct deposits per month, your membership tier will change based on how much you direct deposit monthly. Your membership tier will change to Chime Plus if you receive a single direct deposit of $200+ or at least $400+ cumulative per month. You will not have access to Chime Plus or Chime Prime if your direct deposit amount falls below the applicable thresholds. You can get Chime Prime again by direct depositing at least $3,000 monthly.

How do I find and learn about my Chime Prime benefits in the app?

You can find all available rewards, perks, and benefits directly in your Chime app when you tap your membership status in the Profile tab. If you need help, you can call to chat with a real person on Chime’s support team 24/7.