Chime Membership Tiers Terms and Conditions

There is no cost to you to obtain and maintain Chime PlusTM or Chime PrimeTM status. This is not a subscription service.

Chime Plus or Chime Prime is each a membership status (“Chime Plus” or “Chime Prime”, respectively) achieved when Chime members (“Members”) receive the requisite Qualifying Direct Deposits (defined below) to their Chime Checking Account, held at The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, (each a “Bank”) as set out below. Chime Plus may also be referred to as “Chime+” (as the existing Chime status membership experience) in the Chime mobile app, in other Member agreements, disclosures and Chime marketing materials. If you see “Chime+” indicated in your Chime mobile app, then your Chime+ experience is governed by the Chime+ Terms and Conditions. Otherwise, your Chime Plus or Chime Prime membership status, as described in these Terms, is governed by and subject to these Terms. Products and services available to eligible Members with Chime Plus or Chime Prime status may have additional eligibility criteria, as detailed in the applicable Member agreements. By setting up and receiving the requisite Qualifying Direct Deposits, eligible Members have the opportunity to take advantage of certain features, as detailed below. These terms and conditions (“Chime Membership Tiers Terms and Conditions” or “Terms”) are by and between you (“you,” “your,” or “Member”) and the Bank, Chime and their authorized representatives, service providers, successors, and assigns (“we,” “us,” and “our”) and may append certain consumer agreements, as detailed below. Please see your respective Member agreement in your Chime® mobile app to determine which Bank is offering the product or service to you.

By setting up and receiving Qualifying Direct Deposits as set out below, you acknowledge that you have reviewed the Terms and that your Chime Plus or Chime Prime status is governed by these Terms. Where there are inconsistencies between these Terms and the linked Member agreements below, these Terms govern while you are Chime Plus or Chime Prime status eligible. All other terms and conditions of the below linked Member agreements apply. Unless otherwise stated in these Terms, definitions shall have the same meaning as they do in the below linked Member agreements and any capitalized terms not defined in these Terms shall have the meaning set forth in the below linked member agreements.

Please read these Terms carefully, save a copy, and keep them with your records. 

Table of Contents

  1. Eligibility
    1. Chime Plus
    2. Chime Prime
  2. Chime Plus Status - Access to Additional Products and Services
    1. 2% Cash Back on Eligible Chime Card Purchases
    2. Chime Plus APY on the Chime Savings Account
    3. SpotMe
    4. MyPay
    5. Chime Deals
    6. Priority Support
  3. Chime Prime Status - Access to Additional Products and Services
    1. 5% Cash Back on Eligible Chime Card Purchases
    2. Visa Signature Benefits for Chime Card Holders
  4. Instant Loans
  5. Chime Prime APY on the Chime Savings Account
  6. SpotMe
  7. MyPay
    1. Chime Deals
    2. Priority Support
    3. Additional Benefits
  8. Changes to the Terms
  9. Appendix 1 - Priority Pass
    1. Terms and Conditions: Digital Memberships
    2. FAQs: Digital Memberships

Eligibility

In order to be eligible for and obtain Chime Plus or Chime Prime status, you must have an active Chime Checking Account (“Checking Account”) in good standing and receive the requisite Qualifying Direct Deposits to your Checking Account. 

Qualifying Direct Deposit: For purposes of either Chime Plus or Chime Prime status, a Qualifying Direct Deposit is deposit of by Automated Clearing House (“ACH”) that comes from your employer, payroll provider, gig economy payer, or benefits payer, OR a deposit by Original Credit Transaction (“OCT”) from your gig economy payer. Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions are not Qualifying Direct Deposits.

Chime Plus

To maintain Chime Plus status, you must receive in the preceding 34 calendar days either 1) a single Qualifying Direct Deposit of $200.00 or more; or 2) Qualifying Direct Deposits that cumulatively equal $400.00 or more to your Checking Account.

Chime Prime

To maintain Chime Prime status, you must receive Qualifying Direct Deposits that cumulatively equal $3,000.00 or more to your Checking Account in the preceding 34 calendar days. 

Chime Plus Status - Access to Additional Products and Services

By setting up and receiving the requisite Qualifying Direct Deposits as described above for Chime Plus status, you may have access to the below listed products and services (which may be referred to as Chime Plus “benefits” in the Chime mobile app or relevant marketing materials). The products and services may have additional eligibility criteria and opt-in requirements. You will not gain automatic access to SpotMe® or MyPay® by setting up Qualifying Direct Deposits and obtaining Chime Plus status. You must agree to the respective Member agreements in the applicable sign-up flow and meet all qualification criteria. You must have a Savings Account in good standing in order to receive the higher savings Annual Percentage Yield (“APY”). You must have a secured Chime Visa® Credit Card (“Chime Card”) to receive cash back on eligible Chime Card purchases and you must select your monthly spend category in the Chime mobile app. In the event that you no longer receive Qualifying Direct Deposits for Chime Plus status, you may lose the status and access to the below listed products and services. The below Member agreements govern eligibility for the specific products and services. Please refer to those agreements for specifics on eligibility. With Chime Plus status, you may have the opportunity to access the following:

2% Cash Back on Eligible Chime Card Purchases

Chime Members with a Chime Card and Chime Plus status may receive 2% cash back on up to $1,500.00 of monthly eligible Chime Card purchases. Maximum monthly cash back for Members with Chime Plus status is $30.00.  You must select your monthly spend category in the Chime mobile app to receive cash back on eligible Chime Card purchases in that selected category. Failure to select an initial monthly spend category results in forfeiture of cash rewards until you select a category.  See the Secured Chime Visa® Credit Card – Cash Rewards Program Addendum for limitations and details on earning cash back on your monthly selected category.

Chime Plus APY on the Chime Savings Account

StatusInterest RateAnnual Percentage Yield
Chime Prime3.68%3.75%
Chime Plus2.95%3.00%
Standard0.74%0.75%

 

  1. Members with Chime Plus status will receive an interest rate and APY that is higher than the standard Savings rate – all rate information is listed in the Member’s Savings Account Agreement. To be eligible for the higher Chime Plus APY on the Chime Savings Account (“Savings Account”), you must have a Savings Account that is active and in good standing and maintain Chime Plus status (as described in Section I above). For any period while you maintain Chime Plus status, the higher Chime Plus interest rate and APY will apply to the balance in your Savings Account. When you are not eligible for Chime Plus status, the lower standard interest rate and APY as set forth in your Savings Account Agreement will apply to the balance in your Savings Account. Eligibility for Chime Plus status will be determined on an ongoing basis to see if you have received the requisite Qualifying Direct Deposit(s) within the preceding 34 calendar days. You may lose and regain Chime Plus status dependent on your Qualifying Direct Deposit activity. The applicable interest rate and APY will apply to the periods of time when you have Chime Plus status or do not have Chime Plus status. Please refer to the Chime mobile app for your applicable interest rate and APY at any time.
  2. If you qualify for Chime Plus based on receipt of a Qualifying Direct Deposit(s) within the preceding 34 calendar days, then the higher Chime Plus interest rate and APY will apply to the balance of your Savings Account starting on the date that you achieve Chime Plus status and continue as long as you are eligible for Chime Plus status. If you do not qualify for Chime Plus status, but have a Savings Account, you will be paid the current standard interest rate and APY as set forth in the Savings Account Agreement until you receive the requisite Qualifying Direct Deposit(s) to your Chime Checking Account. On the date the requisite Qualifying Direct Deposit(s) are received, the higher Chime Plus interest rate and APY will be applied to the Savings Account balance.
  3. This is a variable rate account. We may, at our discretion, change the interest rate and APY for the Savings Account at any time.
  4. Please see your Savings Account Agreement in your Chime mobile app for details of your Savings Account. Other than this change to the interest rate and APY for Members with Chime Plus status, the provisions of the Savings Account Agreement continue to apply. For Members with a Savings Account at The Bancorp Bank, N.A., please refer to this Savings Account Agreement. For Members with a Savings Account at Stride Bank, N.A., please refer to this Savings Account Agreement. 

SpotMe

  1. SpotMe on Debit – SpotMe on Debit is an optional, no fee service that provides eligible Members the ability to overdraft their Checking Account on debit transactions without incurring overdraft fees. To be eligible for SpotMe on Debit, you must receive either 1) a single Qualifying Direct Deposit of $200.00 or more; or 2) Qualifying Direct Deposits that cumulatively equal $400.00 or more to your Checking Account in the preceding 34 calendar days. This section expands the eligibility criteria described in the below referenced SpotMe on Debit Member agreements by adding the option for cumulative Qualifying Direct Deposits to unlock access to SpotMe on Debit. In addition to receiving Qualifying Direct Deposits in the preceding 34 calendar days, you must also opt-in and agree to the relevant terms. Access to SpotMe on Debit is not automatic. ​​ Users can overdraw their account up to $20 on debit card purchases and cash withdrawals initially but may be later eligible for a higher 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. If you are enrolled in both SpotMe on Debit and SpotMe on Credit, you will have a shared SpotMe limit for use across those two products. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. If transactions exceed account balance and SpotMe limit, the debit card will be declined, and no overdraft fee is charged. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe won’t work on non-debit card transactions including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. For Members who had access to SpotMe on Debit prior to obtaining Chime Plus status, your SpotMe on Debit experience will not change as a result of your Chime Plus status, and continued eligibility requirements shall apply. For Members with a Checking Account at The Bancorp Bank, N.A., please refer to these SpotMe on Debit terms for more information, including eligibility criteria to access and maintain SpotMe on Debit. For Members with a Checking Account at Stride Bank, N.A., please refer to these SpotMe on Debit terms for more information, including eligibility criteria to access and maintain SpotMe on Debit.
  2. SpotMe on Credit – SpotMe on Credit provides eligible Members access to an overdraft line of credit attached to their Secured Deposit Account. To be eligible for SpotMe on Credit, you must receive either 1) a single Qualifying Direct Deposit of $200.00 or more; or 2) Qualifying Direct Deposits that cumulatively equal $400.00 or more to your Checking Account in the preceding 34 calendar days. This section expands the eligibility criteria described in the below referenced SpotMe on Credit Member agreements by adding the option for cumulative Qualifying Direct Deposits to unlock access to SpotMe on Credit. In addition to receiving Qualifying Direct Deposits in the preceding 34 calendar days, you must also opt-in and agree to the relevant terms. Access to SpotMe on Credit is not automatic. SpotMe for Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying Members with an active Secured Deposit Account and Checking Account. Qualifying Members will be allowed to overdraw their Secured Deposit Account up to $20 and may later be eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount and other risk-based factors.  If you are enrolled in both SpotMe on Debit and SpotMe on Credit, you will have a shared SpotMe limit for use across those two products. The SpotMe on Credit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s or its banking partners’ discretion. Although Chime does not charge any overdraft fees for SpotMe on Credit, there may be out-of-network or third-party fees associated with ATM Transactions or OTC cash withdrawal fees at retailers.  For Members who had access to SpotMe on Credit prior to obtaining Chime Plus status, your SpotMe on Credit experience will not change as a result of your Chime Plus status and continued eligibility requirements shall apply. For Members with a secured credit card issued by The Bancorp Bank, N.A., please refer to these  SpotMe on Credit terms for more information, including eligibility criteria to access and maintain SpotMe on Credit. For Members with a secured credit card issued by Stride Bank, N.A., please refer to these SpotMe on Credit terms for more information, including eligibility criteria to access and maintain SpotMe on Credit.

MyPay

The MyPay revolving line of credit provides eligible Members access to a line of credit based upon direct deposit history and other risk-based factors. ​​To be eligible for MyPay, you must receive qualifying direct deposits in the preceding 36 calendar days to your Checking Account and live in an eligible state. Other eligibility criteria applies. Please refer to the applicable MyPay Line of Credit Agreement for the definition of qualifying direct deposits, more information on eligibility criteria, and details specific to the MyPay product. Not all users will qualify. MyPay credit limits range from $20-$500. MyPay™ line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. For Members with existing MyPay access, your MyPay experience will not change as a result of your Chime Plus status and continued eligibility requirements shall apply. For Members with a Checking Account at The Bancorp Bank, N.A., please refer to this MyPay Line of Credit Agreement. For Members with a Checking Account at Stride Bank, N.A., please refer to this MyPay Line of Credit Agreement.

Chime Deals

Chime Deals in the Chime mobile app offers Chime Members the ability to earn cash back at participating merchants with use of their Chime Visa® Debit Card, secured Chime Credit Builder Visa® Credit Card, Chime Cash Rewards Visa® Credit Card, or secured Chime Visa® Credit Card for eligible purchases. Chime Members with Chime Plus and Chime Prime status may have access to additional merchant offers or variations of merchant offers not available to members without Chime Plus or Chime Prime status, considered “exclusive deals”. Please refer to the Chime Deals Terms and Conditions or the Chime Deals hub in your Chime mobile app for more information including how to participate and cash back rewards.

Priority Support

In the event that you have questions related to your Chime Plus status, please contact Member services by sending us a chat from the Chime mobile app or calling 844-244-6363. Customer support is available 24/7 and 365 days a year. A Member with identified Chime Plus status will experience expedited response time to speak with a Chime customer service agent. For any questions that are not general inquiries about Chime Plus and that are related to the use of any account associated with your Chime Plus status, such as disputes or fraud inquiries, please note that the normal processes will apply.

Chime Prime Status - Access to Additional Products and Services

By setting up and receiving Qualifying Direct Deposits as described above for Chime Prime status, you may have access to the below listed products and services (which may be referred to as Chime Prime “benefits” in the Chime mobile app or relevant marketing materials). The products and services may have additional eligibility criteria and opt-in requirements. You will not gain automatic access to SpotMe, MyPay, or Instant Loans by setting up Qualifying Direct Deposits and obtaining Chime Prime status. You must agree to the respective Member agreements in the applicable sign-up flow and meet all qualification criteria. You must have a Savings Account in good standing in order to receive the higher savings APY. You must have a Chime Card to receive cash back on eligible Chime Card purchases and you must select your monthly spend category in the Chime mobile app. Any benefits provided by Visa, as described below, are subject to the relevant terms and conditions provided by Visa or applicable third-parties, who may have their own eligibility criteria, requirements and limitations. In the event that you no longer receive Qualifying Direct Deposits for Chime Prime status, you may lose the status and access to the below listed products and services. However, you may still be eligible for the applicable products and services associated with Chime Plus status if you receive the requisite Qualifying Direct Deposits (see Section II above). The below Member agreements or third-party terms and conditions govern eligibility for the specific products and services. Please refer to those agreements or third-party terms and conditions for specifics on eligibility. With Chime Prime status, you may have the opportunity to access the following:

5% Cash Back on Eligible Chime Card Purchases

Chime Members with a Chime Card and Chime Prime status may receive 5% cash back on up to $1,500.00 of monthly eligible Chime Card purchases. Maximum monthly cash back for Members with Chime Prime status is $75.00.  You must select your monthly spend category in the Chime mobile app to receive cash back on eligible Chime Card purchases in that selected category. Failure to select an initial monthly spend category results in forfeiture of cash rewards until you select a category.  See the Secured Chime Visa® Credit Card – Cash Rewards Program Addendum for limitations and details on earning cash back on your monthly selected category.

Visa Signature Benefits for Chime Card Holders

  1. Visa Signature Concierge

    1. Explanation of benefit. Visa Signature® Concierge is a complimentary, personal assistance service for Chime Card holders with Chime Prime status. Cardholders can contact a concierge expert to make special arrangements. Visa Signature Concierge helps cardholders research and book travel, make dining reservations, find event tickets and help with shopping. To contact the concierge service, eligible cardholders may call (800) 953-7392 or (630) 350-4551 (outside of the USA), available 24 hours a day, 7 days a week. The concierges will do their best to assist Chime Card holders with Chime Prime status with all types of travel, dining, and entertainment requests. Chime 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.

  2. Visa Signature Luxury Hotel Collection

    1. Explanation of benefit. Visa Signature® Luxury Hotel Collection (“VLHC”) provides premium hotel benefits at properties worldwide. Chime Card holders with Chime Prime status may receive seven (7) benefits at VLHC hotels worldwide, as listed below. Eligible Chime Card holders may visit visasignaturehotels.com or call Visa Signature Concierge to make a reservation at VLHC hotels. For Visa Luxury Hotel Collection Premium Benefits Terms and Conditions, please visit https://www.visaluxuryhotelcollection.com/benefits.
      1. Best available rate guarantee – If eligible Chime Card holders find a lower room rate on another website within 24 hours of making a booking with Visa Luxury Hotel Collection, Visa will match the rate. To make a claim, members simply complete the Best Rate Guarantee online claim form within 24 hours of making a booking. Visa will review your claim and contact members within 48 hours.
      2. Automatic room upgrade upon arrival, when available – Upon availability at check-in, eligible Chime Card holders will be upgraded to the next highest room class for the duration of your stay.
      3. Complimentary in-room Wi-Fi, when available
      4. Complimentary breakfast for two – For the length of their stay, eligible Chime Card holders and one guest will receive complimentary continental breakfast daily. If the hotel does not offer continental breakfast, they will offer another dining or other benefit of equal value based on local market rate.
      5. $25.00 USD food or beverage credit – During an eligible Chime Card holder’s hotel stay they will receive a $25.00 USD credit at check out. Limit of one $25.00 credit per room, per stay. A stay is defined as consecutive nights spent at the same hotel, regardless of check-in / check-out activity. Any charges over and above the credit described above will be applied directly to eligible Chime Card holder’s accounts to settle upon departure. Credit has no cash value and is not valid on room rate or third party services.
      6. VIP guest status – VIP guest services and amenities differ by property.
      7. Late check-out upon request, when available
    2. 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.

  3. Priority Pass Select™ Membership

    1. Explanation of benefit. Chime Card holders with Chime Prime status will have access to a complimentary membership that gives eligible Chime Card holders access to approximately 1,800 airport lounges and experiences worldwide regardless of cardholders’ airline or flight class. The number of lounges and experiences is subject to change. Please see the full Priority Pass Terms of Use and Priority Pass Conditions of Use for more information.
    2. Benefits and Limitations. Eligible Chime Card holders will be able to visit the Priority Pass website from the Chime mobile app, where they can enroll and begin to use the benefit. This website is http://www.prioritypass.com/. You must enroll prior to utilizing the benefit. Visa and Priority Pass have the right to veto, refuse and/or revoke Priority Pass Select Membership if they have valid reasons for believing the eligible Chime Card holder would cause them to suffer financial loss if the cardholder was accepted for or continued with the membership, has previously caused them to suffer financial loss as a result of the eligible Chime Card holders actions, or in accordance with their program terms and conditions (see  for digital membership terms and conditions). As a Chime Card holder with Chime Prime status, you are not required to pay the enrollment fee for Priority Pass, and you are eligible to visit (2) participating lounges free of charge. Eligible Chime Card holders will be responsible for any lounge visit costs after they use the two (2) complimentary visits, which will be approximately $35.00 per person per lounge visit. Each eligible Chime Card holder visit and each accompanying guest visit individually applies towards the free visit allowance, so an eligible Chime Card member plus a guest will utilize the two (2) complimentary visits. After the two (2) free visits have been used, the eligible Chime Card holders secured credit card will be charged a lounge visit fee of $35.00 per person per visit. Please see Appendix 1.
    3. Accessing airport lounges. For access to a participating airport lounge, eligible Chime Card holders must present their Priority Pass digital membership card, and a boarding pass or valid flight ticket (depending on the lounge) for the same day of travel. Evidence of all lounge visits will be provided to the eligible Chime Card holders by either a completed voucher or a printout. The eligible Chime Card holder may be required to sign an entry log acknowledging the visit. The eligible Chime Card holder is responsible for checking that the lounge staff has correctly entered the details of the visit on the voucher, if applicable, at the time of the visit. 
    4. Renewal. After 12 months, provided the Priority Pass membership benefit is still being offered by Chime as a Chime Prime benefit, and the eligible members Chime Card accounts are still open, in good standing, and they still have Chime Prime status, members’ Priority Pass membership will be automatically renewed for another year, without charge of a membership fee. Visa may change, terminate or cancel the Priority Pass Select benefit at any time.

  4. GigSky Mobile

    1. Explanation of benefit. Chime Card holders with Chime Prime status can use the GigSky app to access one 1GB/15-day Global mobile data plan (redeemable one time per calendar year) as well as a 20% discount on all GigSky Plans including cruise ship plans.
    2. Accessing the benefit. Eligible Chime Card holders may access this benefit by visiting the GigSky website at https://www.gigsky.com/ or downloading the GigSky mobile app. They must select a plan, download an eSIM and connect on the spot — no physical SIM card required. An eSIM – also known as an embedded SIM – is built straight into many modern smartphone devices. The eSIM makes it possible to add a secondary service, such as GigSky, to that phone. For a list of phones compatible with the GigSky app, visit: https://www.gigsky.com/device-compatibility. Participating Chime Card holders must use their Chime Card as their payment method to access the complimentary plan and discount. If participating Chime Card holders complete their order purchase with a payment method other than their Chime Card set as the default payment method, they will no longer be eligible for a complimentary GigSky data plan and will have to pay the retail price for one of GigSky’s plans.
    3. GigSky Terms and Limitations. Please see the full GigSky Terms of Service for details. A full list of eligible countries can be found here and a full list of compatible devices can be found here.

The Visa Signature Benefits are provided by Visa and subject to their Terms and Conditions. We are not the provider or responsible for providing these services to you. We are not responsible for the performance or non- performance of the service or any other service provider used by Visa for the services. Questions about how to use the services should be addressed to Visa.

Instant Loans

Instant Loans are short term installment loans offered by The Bancorp Bank, N.A. Instant Loans are serviced by Chime Capital, LLC (NMLS 2316451). Members with Chime Prime status may be eligible to receive an Instant Loan of at least $100.00 up to $1,000.00. Some restrictions apply. Maximum 35.99% APR (annual percentage rate). Eligibility and loan amounts vary based on Checking Account deposit activity, risk-based criteria, and your use of other Chime products. Repeat borrowers are eligible for up to $1,000.00 after 6 months. Instant Loans are only available to eligible Chime members in certain states. Loan offers will be provided by email and in the mobile app.  

Chime Prime APY on the Chime Savings Account

StatusInterest RateAnnual Percentage Yield
Chime Prime3.68%3.75%
Chime Plus2.95%3.00%
Standard0.74%0.75%

 

  1. Members with Chime Prime status will receive an interest rate and APY that is higher than the Chime Plus and standard Savings rate. To be eligible for the higher Chime Prime APY on the Savings Account, you must have a Savings Account that is active and in good standing and receive Qualifying Direct Deposits of $3,000.00 or more (as defined in Section I, above) to your Checking Account in the preceding 34 calendar days. For any period while you maintain Chime Prime status, the higher Chime Prime interest rate and APY will apply to the balance in your Savings Account. When you are not eligible for Chime Prime status, either the Chime Plus or the standard interest rate and APY (as applicable) as set forth in your Savings Account Agreement (and above) will apply to the balance in your Savings Account. Eligibility for Chime Prime status will be determined on an ongoing basis to see if you have received the requisite Qualifying Direct Deposits within the preceding 34 calendar days. You may lose and regain Chime Prime status dependent on your Qualifying Direct Deposit activity. The Chime Prime interest rate and APY will apply to the periods of time when you have Chime Prime status or do not have Chime Prime status. Please refer to the Chime mobile app for your applicable interest rate and APY at any time.
  2. If you qualify for Chime Prime on or after [January 6, 2026] (the “Pilot Launch Date”) based on receipt of the requisite Qualifying Direct Deposits within the preceding 34 days, then the higher Chime Prime interest rate and APY will apply to the balance of your account starting on the Pilot Launch Date and continue as long as you are eligible for Chime Prime status. If you do not qualify for Chime Prime status on or after the Pilot Launch Date, you will be paid either the Chime Plus or standard interest rate and APY (as applicable) as set forth in the Savings Account Agreement (and above) until you receive the requisite Qualifying Direct Deposits to your Chime Checking Account. On the date the requisite Qualifying Direct Deposits are received, the higher Chime Prime interest rate and APY will be applied to the Savings Account balance.
  3. This is a variable rate account. We may, at our discretion, change the interest rate and APY for the Savings Account at any time.
  4. Please see your Savings Account Agreement in your Chime mobile app for details of your Savings Account. Other than this change to the interest rate and APY for Members with Chime Prime status, the provisions of the Savings Account Agreement continue to apply. For Members with a Savings Account at The Bancorp Bank, N.A., please refer to this Savings Account Agreement. For Members with a Savings Account at Stride Bank, N.A., please refer to this Savings Account Agreement.  

SpotMe

  1. SpotMe on Debit – SpotMe on Debit is an optional, no fee service that provides eligible Members the ability to overdraft their Checking Account on debit transactions without incurring overdraft fees. To be eligible for SpotMe on Debit, you must receive either 1) a single Qualifying Direct Deposit of $200.00 or more; or 2) Qualifying Direct Deposits that cumulatively equal $400.00 or more to your Checking Account in the preceding 34 calendar days. This section expands the eligibility criteria described in the below referenced SpotMe on Debit Member agreements by adding the option for cumulative Qualifying Direct Deposits to unlock access to SpotMe on Debit. In addition to receiving Qualifying Direct Deposits in the preceding 34 calendar days, you must also opt-in and agree to the relevant terms. Access to SpotMe on Debit is not automatic. ​​ Users can overdraw their account up to $20 on debit card purchases and cash withdrawals initially but may be later eligible for a higher 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. If you are enrolled in both SpotMe on Debit and SpotMe on Credit, you will have a shared SpotMe limit for use across those two products. For Members with Chime Prime status, you may be eligible for a higher starting SpotMe limit of $50.00. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. If transactions exceed account balance and SpotMe limit, the debit card will be declined, and no overdraft fee is charged. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe won’t work on non-debit card transactions including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. For Members who had access to SpotMe on Debit prior to obtaining Chime Prime status, your SpotMe on Debit experience will not change as a result of your Chime Prime status, except for the possible higher starting limit, and continued eligibility requirements shall apply. For Members with a Checking Account at The Bancorp Bank, N.A., please refer to these SpotMe on Debit terms for more information, including eligibility criteria to access and maintain SpotMe on Debit. For Members with a Checking Account at Stride Bank, N.A., please refer to these SpotMe on Debit terms for more information, including eligibility criteria to access and maintain SpotMe on Debit.
  2. SpotMe on Credit – SpotMe on Credit provides eligible Members access to an overdraft line of credit attached to their Secured Deposit Account. To be eligible for SpotMe on Credit, you must receive either 1) a single Qualifying Direct Deposit of $200.00 or more; or 2) Qualifying Direct Deposits that cumulatively equal $400.00 or more to your Checking Account in the preceding 34 calendar days. This section expands the eligibility criteria described in the below referenced SpotMe on Credit Member agreements by adding the option for cumulative Qualifying Direct Deposits to unlock access to SpotMe on Credit. In addition to receiving Qualifying Direct Deposits in the preceding 34 calendar days, you must also opt-in and agree to the relevant terms. Access to SpotMe on Credit is not automatic. SpotMe for Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying Members with an active Secured Deposit Account and Checking Account. Qualifying Members will be allowed to overdraw their Secured Deposit Account up to $20 and may later be eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount and other risk-based factors.  If you are enrolled in both SpotMe on Debit and SpotMe on Credit, you will have a shared SpotMe limit for use across those two products. For Members with Chime Prime status, you may be eligible for a higher starting SpotMe limit of $50.00. The SpotMe on Credit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s or its banking partners’ discretion. Although Chime does not charge any overdraft fees for SpotMe on Credit, there may be out-of-network or third-party fees associated with ATM Transactions or OTC cash withdrawal fees at retailers.  For Members who had access to SpotMe on Credit prior to obtaining Chime Prime status, your SpotMe on Credit experience will not change as a result of your Chime Prime status, except for the possible higher starting limit, and continued eligibility requirements shall apply. For Members with a secured credit card issued by The Bancorp Bank, N.A., please refer to these SpotMe on Credit terms for more information, including eligibility criteria to access and maintain SpotMe on Credit. For Members with a secured credit card issued by Stride Bank, N.A., please refer to these SpotMe on Credit terms for more information, including eligibility criteria to access and maintain SpotMe on Credit.

MyPay

The MyPay revolving line of credit provides eligible Members access to a line of credit based upon direct deposit history and other risk-based factors. ​​To be eligible for MyPay, you must receive Qualifying Direct Deposits in the preceding 36 calendar days to your Checking Account and live in an eligible state. Other eligibility criteria applies. Please refer to the applicable MyPay Line of Credit Agreement for the definition of qualifying direct deposits, more information on eligibility criteria, and details specific to the MyPay product. Not all users will qualify. MyPay credit limits range from $20-$500, however members with Chime Prime status may have access to a higher starting limit of $100.00. Limits may be impacted by your use of other Chime products. MyPay line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. For Members with existing MyPay access your MyPay experience will not change as a result of your Chime Prime status and continued eligibility requirements shall apply. For Members with a Checking Account at The Bancorp Bank, N.A., please refer to this MyPay Line of Credit Agreement. For Members with a Checking Account at Stride Bank, N.A., please refer to this MyPay Line of Credit Agreement.

Chime Deals

Chime Deals in the Chime mobile app offers Chime Members the ability to earn cash back at participating merchants with use of their Chime Visa® Debit Card, secured Chime Credit Builder Visa® Credit Card, Chime Cash Rewards Visa® Credit Card, or secured Chime Visa® Credit Card for eligible purchases. Chime Members with Chime Prime status may have access to additional merchant offers or variations of merchant offers not available to members without Chime Prime or Chime Plus status, considered “exclusive deals”. Please refer to the Chime Deals Terms and Conditions or the Chime Deals hub in your Chime mobile app for more information including how to participate and cash back rewards.

Priority Support

In the event that you have questions related to your Chime Prime status, please contact Member services by sending us a chat from the Chime mobile app or calling 844-244-6363. Customer support is available 24/7 and 365 days a year. A Member with identified Chime Prime status will experience expedited response time to speak with a Chime customer service agent. For any questions that are not general inquiries about Chime Prime and that are related to the use of any account associated with your Chime Prime status, such as disputes or fraud inquiries, please note that the normal processes will apply.

Additional Benefits

International Out-of-Network ATM Fee Reimbursement

All Chime members may have access to a network of fee-free ATMs. Please see your Deposit Account Agreement and Secured Chime Visa Credit Card Agreement for details on ATMs. If a Chime member utilizes an international ATM outside of the fee-free network, they will be charged a fee. Learn more about the out-of-network ATM fee here. Members who maintain Chime Prime status at the time of they incur the international out-of-network ATM fee are eligible for reimbursement of that fee up to two times per calendar month. Please note that ATM owner-operators may impose their own third-party fees. Those third-party fees are not eligible for reimbursement, since they are not charged by us. 

Changes to the Terms

We may amend these Terms at any time without prior notice to you, unless required by applicable law. Your continued use of Chime and maintaining either Chime Plus or Chime Prime status after changes to the Terms become effective constitutes your binding acceptance of such changes.

CHIME PLUS and CHIME PRIME are Trademarks of Chime Financial, Inc.

This Agreement is effective 02/2026

Appendix 1 - Priority Pass

Terms and Conditions: Digital Memberships

Through the Priority Pass Select program, enrolled secured Chime Visa® Credit Card (“Chime Card”) cardholders with Chime Prime status will receive 12- month Priority Pass Select membership to access, with their accompanying guests, 1,800 airport lounges and experiences worldwide in more than 148 countries and 600 cities worldwide currently participating in the Priority Pass Select program, regardless of their choice of airline, class of ticket or membership in an airline lounge program. Lounge visit fees apply after the eligible Chime Card cardholder uses their two complimentary visit passes.

You must be an eligible cardholder of the Chime Card to participate. Eligibility for this offer is determined by The Bancorp Bank, N.A. or Stride Bank, N.A. and its authorized representatives, service providers, successors, and assigns (“we,” “us,” and “our”).

Provided you meet the issuer-determined eligibility requirements, we will enroll the Chime Card account cardholder (including authorized users) as a member in the Priority Pass Select program, without charge of a membership fee. As a Chime Card cardholder with Chime Prime status, you have access to two (2) free airport lounge visits per membership year. Each member visit and each accompanying guest(s) visit applies against the free visit allowance. After the free visits have been used, the member’s Chime Card will be charged a lounge visit fee of $35.00 per person per visit for the member and each guest. Lounge benefits, services and facilities differ by location and may only be available at an additional charge.

Provided the Priority Pass Select membership benefit is still being offered by us and the card under which you originally enrolled is still eligible, your membership will be automatically renewed for another year at no additional cost, unless you cancel your membership by calling the number on the back of your Chime Card. Once the renewal is processed, the digital membership expiration date will be updated on your Priority Pass profile. If the Priority Pass Select benefit is no longer being offered by us or the card under which you originally enrolled is no longer eligible for the benefit, your membership will not automatically be renewed, but you will be given the opportunity to renew with Priority Pass Select at the applicable retail rate on Priority Pass then current standard terms.

For access to a participating airport lounge, you must present your Priority Pass Select Digital
Membership Card, and a boarding pass or valid flight ticket (depending on the lounge) for the same day of travel. Lounges can also be accessed by presentation of your Chime Card. To access with your payment card, simply tell the lounge attendant that you are a Priority Pass Member and hand over your registered payment card. Always have your Digital Membership Card as an alternative access method to hand.

All participating lounges are owned and operated by third party organizations, and none of Priority Pass Select, us or Visa are or will be liable for any loss to a Member or any accompanying guests, arising from the provision or non- provision of any of the benefits, services and facilities. Lounge benefits, services and facilities differ by location and some may only be available at an additional charge. Certain lounges may restrict access due to space constraints and may have limits on the number of guests who can enter with a Member.

Priority Pass Select is an independent airport lounge access program and is neither owned nor otherwise affiliated with us or Visa. The Priority Pass Select membership benefit is subject to change and cancellation at any time. Membership in the Priority Pass Select program is not transferable and is only valid up to the date of membership expiration and when the Priority Pass Select membership card has been signed by the Member.

FAQs: Digital Memberships

Q: What comes with the Priority Pass Select* benefit?

A: A 12-month Priority Pass Select membership for eligible Chime Card cardholders to access, with their guests, 1,800 airport lounges and experiences worldwide.

* Priority Pass Select is an independent airport lounge access program and is neither owned by nor otherwise affiliated with us or Visa. The Priority Pass Select membership benefit is subject to change and cancellation at any time.

Q: Is membership in the Priority Pass Select program complimentary?

A: We will enroll the Chime Card account cardholder with Chime Prime status as the member in the Priority Pass Select program, without charge of a membership fee, once the cardholder takes the requisite enrollment steps. Cardholders must be at least 18 years of age in order to be eligible to be members in the Priority Pass Select program. Membership is non-transferable and is only valid up to the date of membership expiration and when the Priority Pass Select membership card has been signed by the member.

Q: As a member in the Priority Pass Select program, may I bring guests with me to a participating lounge?

A: Yes. Your guests are welcome to join you at a participating lounge. Certain lounges may have limits on the number of guests who can enter with you, as well as age restrictions. All Priority Pass Select members and their guests must adhere to all rules of the participating lounges. For more information, refer to your Priority Pass Select directory or visit www.prioritypass.com.

Q: Why can’t I get into a lounge in the Priority Pass program?

A: We apologize for the inconvenience. Sometimes lounge operators will impose restrictions based on lounge capacity, to ensure that guests at the lounge have a pleasant experience. Please be sure to check the lounge pages on the Priority Pass app or website, before choosing your lounge – any pre-defined limitations on availability and opening times will be detailed here and we do our very best to keep these details as current as possible. If for any reason you are unable to get into a lounge, please be aware there could be other options available to you through your Priority Pass membership at the location where you are traveling. These alternate options will be listed in the Priority Pass app or website.

Q: What happens at the end of the initial 12-month Priority Pass Select membership?

A: Provided the Priority Pass Select membership benefit is still being offered by us, and the

Chime Card account is still open and in good standing, and you have maintained Chime Prime status, your Priority Pass Select membership will be automatically renewed for the next year, without charge of a membership fee. If, however, the Chime Card account is closed for any reason, you no longer have Chime Prime status or the benefit is discontinued, all memberships for that account in the Priority Pass Select program will be cancelled.

Q: What is a Digital Membership Card?

A: A Digital Membership Card is a digital version of your Priority Pass membership card, which you can use to access travel experiences on the program.

Q: Where do I find my Digital Membership Card?

A: After you successfully complete your online Registration, download the Priority Pass app:

https://prioritypass.com/en/help/apps available for Android and iOS to access your Digital Membership Card and a range of digital features.

Q: How does the Priority Pass Digital Membership Card work?

A: The Digital Membership Card from Priority Pass, available to Chime Card account cardholders with Chime Prime status, provides card-less access to the majority of the Priority Pass lounges using a QR code available via the Priority Pass smartphone app or in the My Account section of the Priority Pass website.

Q: My Digital Membership Card is not working. What do I do?

A: Firstly, check if your card has expired. If you are at an airport lounge or travel experience location the staff member will be able to advise on whether the brightness of your smart device’s screen needs to be adjusted to allow the card reader to recognize your card. If this does not work, please contact Membership Service team on one of our 24/7 numbers (English support only). Tel: Toll-Free in USA: +1 800 352 2834 Elsewhere: USA +1 972 735 0536 for further support with your membership.

Q: Where can I use my Priority Pass Select Digital Membership Card?

A: You can enjoy access to 1,800 airport lounges and experiences worldwide. For a complete listing of participating lounges, refer to your Priority Pass Select directory or visit prioritypass.com. For access to a participating lounge, you must present your Priority Pass Select Digital Membership Card and a boarding pass or valid flight ticket (depending on the lounge) for the same day of travel. Lounges can also be accessed by presentation of your Chime Card. To access with your payment card, simply tell the lounge attendant that you are a Priority Pass Member and hand over your registered payment card. Always have your Digital Membership Card as an alternative access method to hand. In some cases, a Priority Pass Select member must be 21 years of age to enter a lounge without a parent or guardian, in which event personal identification also may be required.

Q: Can someone else access lounges using my Digital Membership Card?

A: No – the Digital Membership Card will have your name on it. This will be matched to your boarding pass when accessing the chosen lounge.

Q: I have more than one Priority Pass membership and would like to activate the Digital Membership Card for all of them. Is this possible?

A: Please be aware that you will need to create a separate online account for each membership that you have. You can follow the set-up steps as detailed when activating your Priority Pass online account through the app.

Q: I already have an online account for my Priority Pass membership. Do I need to activate a new account to access the Digital Membership Card?

A: If you already completed the registration, all you need to do is download the Priority Pass app available for Android and iOS, and then log in. You can the follow the set-up steps as detailed to activate your Digital Membership Card.

Q: Can I print out the Digital Membership Card and use that?

A: Yes. There are a number of ways the Digital Membership Card can be presented, as well as directly through the Priority Pass app. It can be printed out via our website and presented to the lounge on paper, saved to a smartphone image gallery and presented via the phone, or for iOS users saved to the phone’s Passbook.

Q: Where can I find more information on this benefit?

A: Please see the Terms and Conditions for a full description of this benefit. The Terms and Conditions are available in Appendix 1 of the Chime Membership Tiers Terms and Conditions. If

you are enrolled as a member in the Priority Pass Select program under this benefit, also see

participating lounge rules and other information in the lounge listing sent to you with your Priority Pass Select membership card or visit www.prioritypass com.

Q: My username and / or password is not being accepted – how can I access the app?

A: To get a reminder of your username or password, click the “Forgot details?” link on the log-in page and provide the information requested.

Q: I double checked my username and password and still can’t log in to the app – what do I do?

A: Please call our Membership Services team for support. In order to investigate the cause of the problem, the team may need to ask for more information, such as your username and bank card issuer. If you are at the airport and need immediate assistance, please call the Membership Services team on one of our 24/7 numbers (English support only). Tel: Toll-Free in USA: +1 800 352 2834 Elsewhere: USA +1 972 735 0536.