JD Power Report: Chime Claimed the Largest Share of New Checking Account Openings in Q4 2025 

Chime captured the highest share of new checking account openings in the United States in Q4 2025, according to the latest JD Power Financial Services Intelligence Report.

Across the income spectrum, 12.8% of all new checking accounts opened during the quarter were with Chime, based on consumer surveys conducted between October 1 and December 31, 2025. This marks the second consecutive quarter that we have led the industry in new checking account openings, emphasizing Chime’s leadership in the category.

The Q4 study also introduced a new segmentation by affluence, revealing that Chime isn’t just resonating with mainstream America, but competing further upmarket.

Chime continues to lead in new checking account openings while demonstrating strength across income segments.

In Q4, Chime captured 14.2% of new checking account openings in the Mass Market segment — defined as households earning less than $150,000 annually with under $100,000 in investable assets.  For three consecutive quarters, Chime has reported that its fastest-growing member segment includes members who make $75,000 or more.

For the first time, JD Power also segmented Mass Affluent households, which include consumers earning $150,000+ and investable assets <$250,000 or income <$150,000 and investable assets of $150,000+. While Chime has often been associated with serving everyday consumers earning up to $100,000 annually, the Q4 data demonstrates that our appeal extends well beyond that demographic. In the Mass Affluent segment, Chime captured 8.8% of new checking account openings, suggesting that its growth increasingly includes higher-income households.

Chime also recorded the highest checking account conversion rate among the industry’s most selected brands at 77.6%, indicating that consumers who consider Chime are more likely to open an account compared to other top providers measured in the report.

The Q4 report also reflects continued progress in savings accounts, reinforcing the strength of our full suite of products.

Chime captured 8.4% of new savings account openings during the quarter, up from 7% in Q3 and moving from third to second place overall. We also recorded the highest savings account conversion rate among the industry’s most selected brands at 85.0%, indicating strong follow-through from consumer consideration to account opening.

Among Mass Market consumers, Chime led savings account openings with an 11.5% share, additionally, 12.2% of consumers who were new to savings accounts chose Chime — the highest share in that category.

Together, the checking and savings results suggest that Chime is not only attracting new customers but deepening primary relationships across core deposit products.

The data reinforces a consistent trend: Chime is leading as a preferred choice for banking in America for mass market checking accounts while leading fintechs in the affluent market.

Chime is already winning over members across income levels, including higher earners — even before the introduction of premium membership tiers and investing opportunities planned for 2026. As Chime CEO Chris Britt shared at the Morgan Stanley TMT Conference on March 4, the company’s focus remains on building products that strengthen primary banking relationships: “What matters most is continuing to innovate in products that resonate with our members, so we can extend our lead and capture more share of primary bank accounts,” Britt said.

He highlighted upcoming launches, including a premium membership tier designed to increase value for members, as well as investing, joint accounts, and custodial accounts.

With sustained leadership in checking, growing momentum in savings, and product expansion planned for 2026, we continue to strengthen our presence in new account openings.