High-Yield Savings Account

Chime is a financial technology company, not a bank. Banking services and spending account provided by The Bancorp Bank or Stride Bank N.A.; Members FDIC. Credit Builder card issued by Stride Bank N.A.

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The “SpotMe*" option helps me to still get my groceries when I'm short with no overdraft fees... Everything is done online and efficiently.

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Earn more on every dollar

0.50% Annual Percentage Yield (APY)¹. Set money aside with Automatic Savings features. And no fees³.

No fees. No catch. No worries.

No minimum balance requirement, no maximums on interest earned. And no fees³.

Grow your savings automatically

With Round Ups, you save the change on every purchase. And Save When I Get Paid helps you automatically save a percentage of every paycheck⁴.

Meet the Chime Cards

  • Get paid up to 2 days earlyˆ with direct deposit
  • Fee-free overdraft up to $200* for eligible members
  • No hidden fees˜
  • Grow your savings automatically
  • Credit builder can help increase your credit score by an average of 30 points with regular on time payments6
  • Chime Spending Account holders can apply for the secured Chime Credit Builder Visa® Credit Card with eligible direct deposit7

Secured and FDIC Insured

We use encryption and secure processes to help ensure your money is safe. And your funds are held at FDIC insured banks⁵. Learn how the Chime Savings Account works.

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. Please see back of your Card for its issuing bank. 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.

6 Credit Score Increase Based on a representative study conducted by TransUnion®, members who started using Chime Credit Builder in September 2019 observed a median credit score (VantageScore 3.0) increase of 30 points by January 2020. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
7 To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $200 or more to your Spending Account within the last 365 days of your application. The qualifying direct deposit must have been made by your employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Bank ACH transfers, Pay Friends transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, and cash loads or deposits are not qualifying direct deposits.

1 Annual Percentage Yield (APY) The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of December 9, 2020. No minimum balance required. Must have $0.01 in savings to earn interest.

2 Average Interest Rate The average national savings account interest rate of 0.05% is determined by FDIC as of November 30, 2020 based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.

˜ No Hidden Fees There’s no fee for Chime Savings Accounts. Cash Withdrawal and Third-party fees may apply to Chime Spending Accounts. You must have a Chime Spending Account to open a Chime Savings Account.

4 Save When I Get Paid / Save When I Spend Round Ups automatically round up debit card purchases to the nearest dollar and transfers the round up from your Chime Spending Account to into your savings account. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Spending Account into your savings account.

FDIC deposit insurance limit to $250,000 per depositor, per insured bank, per ownership category. For Stride Savings Account depositors please visit www.chime.com/savings-apy-and-program-banks/ for more details on FDIC insurance.

^ Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

* Chime SpotMe is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher 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 limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. SpotMe won't cover non-debit card purchases, including ATM withdrawals, ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See terms and conditions

~ Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply.

Chime P.O. Box 417 San Francisco, CA 94104-0417

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