Changes to Chime Savings Annual Percentage Yield (APY) and the Introduction of Program Banks

As of January 29, 2026, for members without Chime Plus or Chime Prime status, the APY1 is 0.75% and the interest rate is 0.75% for the Chime Savings Account.

As of July 13, 2026, for members with Chime Plus status, the APY is 2.75%2 and the interest rate is 2.71% for the Chime Savings Account. Please refer to the Chime Membership Tiers Terms and Conditions for more information on Chime Plus.

As of January 29, 2026, for members with Chime Prime status, the APY is 3.75%2 and the interest rate is 3.68% for the Chime Savings Account. Please refer to the Chime Membership Tiers Terms and Conditions for more information on Chime Prime.

You work hard for your money, now we’re committed to making it work for you. Members with a Chime Savings Account are eligible to receive the applicable APY stated above on their savings with no minimum balance requirements.

How does the Chime Savings Account work?

A Chime Savings Account allows you to place money in a savings account at a bank to earn interest. Your funds are held at one or more FDIC-insured banks.3

Read more below about which bank is holding your money.

Check out which financial institution provides banking services for your Chime account. The bank’s name appears in your Checking Account and Savings Account Agreements and also appears on the back of your Chime debit card.

Chime Sweep Program

For savings account depositors at The Bancorp Bank, N.A. and Stride Bank, N.A., the Chime Sweep Program permits each bank to automatically arrange the deposit of your total available Chime Savings Account balance into interest-bearing deposit accounts at one or more U.S. bank chartered, depository institutions (what we call a “Program Bank”). You’ll be able to access the funds in your Savings Account by transferring money to your Checking Account using the Chime Mobile App or online.

The list of Program Banks for both The Bancorp Bank, N.A. and Stride Bank, N.A. appears on a Program Bank list. The list and the amount of your savings account funds that were deposited at each Program Bank are always accessible through the Chime Mobile App or by contacting Chime Member Services at 844-244-6363.

Generally, you will not have direct relationships with Program Banks. Instead, all deposits to and withdrawals from the Program Banks will be made by The Bancorp Bank, N.A. or Stride Bank, N.A. on your behalf. If you would like to know how much of your funds is held at any particular Program Bank, you should check your Savings Account Statement or contact Chime Member Services, not the Program Banks.

Savings Account Agreements

See the Savings Account Agreement for each bank for complete details about how your Savings Account works:

Program Banks List

As of June 10, 2026, the Chime Savings Account funds for The Bancorp Bank, N.A. are held at the following Program Banks:

  • Amalgamated Bank

  • Associated Bank, N.A.

  • The Bancorp Bank, N.A.

  • Bank Hapoalim B.M.

  • Bank of Hope

  • Bank of New Hampshire

  • BankUnited

  • Old National Bank (formerly Bremer)

  • C3bank, National Association

  • EagleBank

  • Farmers and Merchants Bank

  • First Horizon Bank

  • Legacy Bank & Trust Company

  • Metro City Bank

  • NexBank

  • State Bank of India

  • Stifel Bank & Trust

  • Synovus Bank

  • The Camden National Bank

  • The Huntington National Bank

  • Third Coast Bank

  • Truist Bank

  • Union Bank & Trust Company

  • WEX Bank

As of June 10, 2026, the Chime Savings Account funds for Stride Bank, N.A. are held at the following Program Banks:

  • Amalgamated Bank

  • Associated Bank, N.A.

  • Banc of California

  • Bank Hapoalim B.M.

  • Bank of Hope

  • Bank of New Hampshire

  • Old National Bank (Formerly Bremer)

  • C3bank, National Association

  • EagleBank

  • Farmers and Merchants Bank

  • First Horizon Bank

  • Legacy Bank & Trust Company

  • Metro City Bank

  • NexBank

  • Simmons Bank

  • State Bank of India

  • Stifel Bank & Trust

  • Sunflower Bank, N.A.

  • Synovus Bank

  • The Camden National Bank

  • The Huntington National Bank

  • Third Coast Bank

  • Truist Bank

  • Union Bank & Trust Company

  • WEX Bank

  • Stride Bank, N.A.

If at any time you’d like to opt-out of any Program Bank or close your Savings Account, contact Member Services by calling 844-244-6363.