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 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.

3 

Instant Loans provided by The Bancorp Bank, N.A. and serviced by Chime Capital, LLC (NMLS ID 2316451). Maximum 35.99% APR (annual percentage rate). Eligibility and loan amounts vary based on deposit activity, risk-based criteria, and your use of other Chime products. Instant Loans are only available to eligible Chime members in certain states. Loan offers will be provided by email and in the mobile app to eligible members. You cannot apply for Instant Loans.

4 

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. 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.

5 

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.

6 

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.

7 

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.

8 

Eligibility requirements and limits apply. See Chime Deals® Terms and Conditions.

9 

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.

10 

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

11 

America’s #1 Choice Claim: Ranking based on a blind May 2026 representative survey conducted by Chime using a third-party survey platform, Chime was chosen among listed financial services providers more often by consumers who opened a new personal checking account at a different institution within the preceding six months. Chime offers access to checking accounts used for everyday banking.

12 

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

13 

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.

14 

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.

15 

Number of lounges and experiences is subject to change.

16 

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.

17 

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.

18 

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.

19 

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.

20 

Based on 2025 internal comparison to select traditional bank and fintech offerings. Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products. Learn more here. 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.

21 

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.

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Get to know Chime's membership options.

Bank fee-free through Chime. But the more you direct deposit, the more rewards and benefits you unlock.

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Overview ›Memberships ›Why Chime ›Chime Prime ›How to ›FAQ ›

Three ways to bank fee-free at Chime.

Chime Prime

  • Earn 5% cash back on a category of choice with Chime Card1

  • 3.75% Savings APY2

  • Premium travel perks and experiences with Chime Card

  • Instant Loans starting at $1003

  • Up to $500 of your pay before payday4

  • All the benefits of Chime Plus, like fee free overdraft5 and 24/7 customer support

  • Unlock with qualifying direct deposits of $3,000+6

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Chime Plus logo

  • Earn 2% cash back on a category of choice with Chime Card1

  • 3.00% Savings APY2

  • 24/7 Priority Support

  • Up to $500 of your pay before payday4

  • Up to $200 of fee-free overdraft5

  • Unlock with a single qualifying direct deposit of $200+ or monthly direct deposits of $400+6

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Chime

  • Get paid up to 2 days early7with a qualifying direct deposit of any amount.

  • Cash back with Chime Deals. 8

  • 0.75% APY on your savings.

  • No minimum balance.

  • 47K fee-free ATMs.9

A phone with a Chime screen with a Chime card.

The more you direct deposit, the more you unlock.

Bank fee-free,10 earn interest on your savings, and get paid up to 2 days early.7 But you get more based on how much you direct deposit.

Chime Plus logos-1

Chime Prime logo

Monthly direct deposits6

$200+

$3,000+

Cash back 1
With Chime Card

2%

5%

Savings APY2
Earn savings interest

3.00%

3.75%

MyPay up to $5004
Get Paid When You Say®

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SpotMe up to $2005
Fee-free overdraft

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Priority support
24/7 from real people

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Exclusive deals

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Travel perks with Chime Card
Lounges, hotels, & more

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Premium metal card

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VIP giveaways
Coming soon

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$100+ Instant loan3
Fastest access if eligible

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Early paydays
Up to 2 days early7

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Fee-free banking10

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Here’s what makes Chime America’s #1 choice for banking.11

Get started
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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 benefits18 just for banking through Chime.

Visa Signature Concierge

Call or chat with a 24/7 Visa Signature® Concierge who will book flights, hotels, or reservations.19

Free Priority Pass Membership

Get access to 1,800 airport lounges around the globe with Chime Prime.15

Luxury hotel collection

Access a premium collection of benefits like VIP status, complimentary breakfast for two, and an upgrade when available.19

Global mobile data

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

International ATM reimbursement

Get two Chime out-of-network fees reimbursed each month when you withdraw cash from an international ATM on any physical Chime Card.

Many more perks

Free tax filing, friend referrals, and more, you’ll save on things you already spend on. Learn More

Direct deposit unlocks The Most Rewarding Way To BankTM through Chime.20

1

Sign up in minutes

You’ll need to enter in some basic information in order to verify your identity.

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2

Set up and receive direct deposit.

Get a single, qualifying deposit of $200 or total of $400 per month for Chime Plus, $3,000 for Chime Prime, to get exclusive rewards and perks.6

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3

Access your benefits.

Start enjoying cash back with Chime Card, higher APY on savings, premium perks, and much more.

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Learn how members use Chime, Chime Plus, and Chime Prime.

1,000,000+ 5 star reviews

In the App Store and Google Play.

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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 bank fee-free.10 With Chime Prime, you get 5%cashback and premium travel perks with Chime Card,1 3.75% savings APY2 , and more. To qualify, direct deposit $3,000 or more within the preceding 34 days 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.6 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 I get Chime Plus?

To get Chime Plus, you need to receive qualifying direct deposits of $400+ or a single monthly direct deposit of $200+ or more within the preceding 34 days.21 Once your deposit is processed, your Chime Plus status will activate automatically.

What premium travel perks do I get?

With both Chime Prime and Chime Card, you get access to a number of premium travel perks, including:

  • Visa Signature® Concierge: Book flights, hotels, or reservations.16

  • Free Priority Pass membership: Get access to 1,800 airport lounges around the globe with Chime Prime.15

  • Luxury hotel collection: Access a premium collection of benefits like VIP status, complimentary breakfast for two, and an upgrade when available.19

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

And any Chime Prime member can get two Chime out-of-network fees reimbursed each month when you withdraw cash from an international ATM with any physical Chime Visa® Card (a secured Chime Visa® Credit Card, secured Chime Visa® Credit Builder Card, or Chime Visa® Debit Card).

What cash back categories can I get with Chime Prime?

With Chime Prime, you can get access to 5% cash back with Chime Card1 on a category of your choice, like groceries, gas, monthly bills, restaurants, or travel.

Do I need to choose my cash back category each month?

Yes. Your cash back category will reset on the first day of each month. To earn cash back you’ll need to select one category at the start of each month in the Chime app. Your selection takes effect immediately and applies to purchases made after you select the category. Selections don’t carry over from the previous month.

Is it free to join Chime?

It is completely free to open an account at Chime but you unlock different membership tiers with more benefits when you make qualifying direct deposits. With monthly direct deposits of $400+ total or a single monthly direct deposit of $200+, you unlock Chime Plus. With a direct deposit of $3,000+, you unlock Chime Prime.

Does Chime charge fees for any tier?

No – there are no monthly, overdraft, or minimum balance fees for any tier. 

Can I choose my tier manually?

You can’t choose your tier manually. Chime’s memberships automatically adjust when you meet the direct deposit threshold.

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 Chime6 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 month6 and you’ll automatically get Chime Prime.

Can I lose my Chime Plus or Prime status?

Yes, if you stop meeting the direct deposit requirements, your Chime account reverts to the previous tier after a grace period. But the good news is you can re-qualify anytime. 

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.

Will I get a different card for Chime Prime?

Yes, Chime Prime members will be eligible for a premium metal card. You can choose the onyx Chime Card for free, or upgrade to a titanium colored Chime Card for $35 + tax.

Can I have both Chime Plus and 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.

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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 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.

Chime Checkbook: While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

APPLE and the Apple Logo are registered trademarks of Apple Inc. GOOGLE PLAY and the Google Play Logo are registered trademarks of Google LLC. Third-party trademarks referenced for informational purposes only; no endorsements implied.

Licenses
Chime Capital, LLC, Nationwide Multistate Licensing System ("NMLS") ID 2316451
Chime Payments, Inc., Nationwide Multistate Licensing System (“NMLS”) ID 2538752

Address: 101 California Street, Floor 5, San Francisco, CA 94111, United States.

No customer support available at HQ. Customer support details available on the website.

© 2013-2026 Chime Financial, Inc. All rights reserved.

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.

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Fee-free banking10

No overdraft fees, no monthly fees, and access to 47K fee-free ATMs9 with your Chime Checking Account.

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5% cash back1

With Chime Card™ on your category of choice.

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3.75% savings APY2

Credit score scale.

Everyday credit building13

Grow your FICO® Score by up to 70 points.14

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Premium travel perks with Chime Card

Enjoy more seamless travel with 1,800+ airport lounges around the globe,15 Visa Signature concierge,16 and more.

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FDIC Insured

Deposits insured up to $250,000 through bank partners, The Bancorp Bank N.A. or Stride Bank N.A.17

9x the national average.12