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.

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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-free4, plus build credit5, 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

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Up to $500 before payday6

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24/7 priority support

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Premium card upgrade

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Travel Perks and giveaways

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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.

Illustration of no fees.

Fee-free Banking4

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

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 Building

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

Airplane illustration, highlight travel perks.

Premium Travel Perks

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

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

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

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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.

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* 

With Chime Prime, get cash back on eligible Chime Card purchases and 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.

How it works

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, Get Paid Early 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 perks.

Enjoy $1,150 in annual benefits15 just for banking through Chime, including travel.

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

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.

International ATM Reimbursement

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

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.

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)

Corey, member since 2020.

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

Corey, member since 2020

Real members. Paid testimonials.