Everyday rewards for banking.

Every Chime member gets access to features like Chime Deals for cash back at retailers, restaurants, and gas stations.¹ You can file your taxes through Chime for free—including federal and state, with no fees or upsells. If you direct deposit with Chime, you can get your federal tax refund up to 5 days early. As you receive more qualifying direct deposits each month, you can unlock additional rewards through Chime Plus and Chime Prime,¹⁸ like higher APY¹² on your savings and cash back on a category of choice with Chime Card.² You’ll need to select your cash back category every month.

You unlock higher membership tiers based on your qualifying direct deposits. When you receive $200 or more in qualifying direct deposits per month, you unlock Chime Plus^™︎.¹⁸ When you receive $3,000 or more in qualifying direct deposits per month, you unlock Chime Prime^™︎.¹⁸ Your tier updates automatically based on your deposit activity.

Chime Plus gives you 2% cash back on a category of choice with Chime Card,² 2.75% APY on your savings,¹² along with more tailored Chime Deals.¹ Chime Prime takes things further with 5% cash back² on your selected monthly category, 3.75% APY on savings,¹² Priority Pass membership for access to over 1,800 airport lounges worldwide,¹⁹ global mobile data through GigSky, luxury hotel and travel benefits, Visa^® Signature Concierge service,²⁰ priority 24/7 support, and exclusive experiences.

No. Unlike many premium accounts that charge monthly maintenance fees or require you to pay a subscription, Chime Prime has no monthly fees and no subscription costs. You unlock these benefits simply by receiving $3,000 or more in qualifying direct deposits each month.¹⁸

Chime Deals offer cash back on everyday purchases, like when you shop at participating retailers, restaurants, and gas stations.¹ Local Chime Deals offers are available to all members, and exclusive nationwide deals are available to Chime Plus and Chime Prime members.¹⁸ Check your Chime app for individual offer details.

The time window to redeem an activated cash back deal varies by offer, so check the offer details in your Chime app. We generally recommend waiting until you’re ready to use a deal before activating to avoid the offer expiring prior to using.  When you make a qualifying purchase, the cash back is automatically credited to your account.

If you have Chime Card, your cash back stacks on top of your Chime Deals.¹ That means that if you’re a Chime Prime¹⁸ member and have activated cash back on the groceries category, you’ll earn an additional 5% cash back on a grocery purchase. You’ll need to select your cash back category every month.

You can also find more ways to save in the Chime app through partner offers, including offers on auto insurance and wireless plans.

You choose your cash back category based on your spending habits. Options typically include groceries, gas, dining, travel, rideshare, and bills. With Chime Card purchases, Chime Plus members earn 2% cash back on their selected category, while Chime Prime members earn 5% cash back.² You can change your category monthly to match your current needs and spending patterns—just make sure to select your category each month to receive your cash back.

Your deposits are held at FDIC-insured partner banks, The Bancorp Bank, N.A., and Stride Bank, N.A., Members FDIC.²¹ This means your funds receive the same federal deposit insurance protection as accounts at traditional banks. Chime is a financial technology company, not a bank, but your money is protected through our banking partners.

Chime Prime with Chime Card includes a Priority Pass membership that grants you access to over 1,800 airport lounges around the world.¹⁹ You also get global mobile data through GigSky, luxury hotel and travel benefits, and Visa Signature Concierge service²⁰ for travel planning and reservations. These perks can make traveling more comfortable and convenient without paying extra fees.

We partner with april to help you file your taxes for free directly through the Chime app. Yes, it’s actually free for both federal and state. Plus, get your federal tax refund up to 5 days early when you direct deposit it with Chime.

File with someone else last year? No problem. Just upload last year’s form and the rest is handled for you.

If you’re not a Chime member already, enroll today so you don’t have to pay to file your taxes this season.

At Chime, we want banking services to be easy, accessible, and most of all, free. We’ve made tax filing free when you file through Chime (in partnership with april to power the experience).

So far, billions in tax refunds have been deposited with Chime.²²

File through Chime for a better way to file your taxes: 

• Truly 100% free to file, including for federal and state

• Accurate calculations guaranteed to get you your max refund. Don’t settle for less than what you’re owed. 

• Get your federal tax refund up to 5 days earlier when you direct deposit it with Chime. 

If you’re not a Chime member already, enroll today so you can enjoy 100% free tax filing.

Chime offers a referral bonus when you refer someone new using your referral link, and they receive a qualifying direct deposit of $200 or more within 45 days of enrolling.²³

No! Member Perks are for everyone. Chime has great benefits for members starting on day 1. With qualifying direct deposits of $200+ per month you unlock Chime Plus, direct deposit $3,000+ per month and unlock Chime Prime, all fee-free.¹⁸ Learn more about Chime's membership options.

You can open a Chime account through the Chime app or website. The process takes just a few minutes and requires basic information like your name, address, and Social Security number. Once approved, you can set up direct deposit with your employer to start unlocking perks. There are no minimum balance requirements to open or maintain your account.