Chime Prime is Chime’s top membership tier that gives you the most rewarding way to bank fee-free. With Chime Prime, you get cashback and premium travel perks with Chime Card, savings APY , and more. To qualify, direct deposit $3,000 or more within the preceding 34 days with Chime.

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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Three ways to bank fee-free at Chime.

Earn 5% cash back on a category of choice with Chime Card¹
3.75% Savings APY²
Premium travel perks with Chime Card
24/7 Priority Support
Personalized Chime Deals³
Unlock with qualifying direct deposits of $3,000+⁴

A phone screen showing benefits of Chime Prime, next to two Chime cards.

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 payday⁵
Up to $200 of fee-free overdraft⁶
Unlock with a single qualifying direct deposit of $200+ or monthly direct deposits of $400+⁴

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Get paid up to 2 days early⁷with a qualifying direct deposit of any amount.
Cash back with Chime Deals. ³
0.75% APY on your savings.
No minimum balance.
47K fee-free ATMs.⁸

A phone with a Chime screen with a Chime card.

The more you direct deposit, the more you unlock.

Bank fee-free,⁹ 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.

Monthly direct deposits⁴	$200+	$3,000+
Cash back ¹ _{With Chime Card}	2%	5%
Savings APY² _{Earn savings interest}	3.00%	3.75%
MyPay up to $500⁵ _{Get Paid When You Say®}
SpotMe up to $200⁶ _{Fee-free overdraft}
Priority support _{24/7 from real people}
Exclusive deals
Travel perks with Chime Card _{Lounges, hotels, & more}
Premium metal card
VIP giveaways _{Coming soon}
$100+ Instant loan¹⁰ _{Fastest access if eligible}
Early paydays _{Up to 2 days early}⁷
Fee-free banking⁹

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

Get started

Fee-free banking⁹

No overdraft fees, no monthly fees, and access to 47K fee-free ATMs⁸ with your Chime Checking Account.

5% cash back¹

With Chime Card^™ on your category of choice.

3.75% savings APY²

9x the national average.¹²

Everyday credit building¹³

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

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.

FDIC Insured

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

Passenger with blonde hair in navy blazer smiling while holding green phone on airplane, seated in dark blue seat.

Now arriving: premium 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 bank through Chime.²⁰

Sign up in minutes

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

A Chime screen on a phone, asking the user what is important to them.

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.⁴

A Chime screen that says "Your paycheck unlocks more perks"

Access your benefits.

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

A Chime Prime screen introducing Premium perks.

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FAQs

What is Chime Prime?

Chime Prime is Chime’s top membership tier that gives you the most rewarding way to bank fee-free.⁹ 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.⁴ 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).

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 Chime⁴ 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 month⁴ 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+ monthly. 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.