On the recordRead 27 Oct 202613 facts
Chime
Chime Financial, Inc.
On the record
- Savings rates (APY)
- 1.00% APY, Chime Basic · 3.00% APY, Chime Plus™ with qualifying direct deposits of $200 or more per month · 4.00% APY, Chime Prime™ with qualifying direct deposits of $3,000 or more per month (variable, effective 10/06/2026)chime.com · read 22 Oct 2026
- Credit building
- The secured Chime Visa® Credit Card helps build credit history through regular purchases and on-time payments; late payments can negatively affect your credit score; conditions apply (Chime footnote, could not read).play.google.com · read 27 Oct 2026
- Early pay
- Get paid up to 2 days early. With direct deposit, MyPay gives early access to your paycheck, up to $500, with no interest, no credit check and no mandatory fees to access funds within 24 hours (a $2 fee applies for instant funding); conditions apply (Chime footnote, could not read).play.google.com · read 27 Oct 2026
- Eligibility
- A Chime Checking Account is required to open a savings account.play.google.com · read 27 Oct 2026
- Fees
- No monthly fees on the checking account, free in-network cash deposits and free in-network ATM withdrawals; a $2 fee applies for instant funding (MyPay); conditions apply (Chime footnote, could not read).play.google.com · read 27 Oct 2026
- Pricing
- Free: no monthly fees and no minimum balance.chime.com · read 22 Oct 2026
- Product
- Chime's App Store listing says its members bank fee-free; conditions apply (Chime footnote, could not read).apps.apple.com · read 27 Oct 2026
- Round-ups
- Automatic round-ups on card purchases.chime.com · read 27 Oct 2026
- Saving rules
- Route a percentage of each direct deposit into savings automatically.chime.com · read 22 Oct 2026
- Savings goals
- Up to 10 named Savings Goals with progress tracking.chime.com · read 22 Oct 2026
- Scheduled transfers
- Automatic recurring transfers from checking to savings.chime.com · read 22 Oct 2026
- What it does
- A mobile banking app with automatic savings tools and a high-yield savings account; conditions apply (Chime footnote, could not read).play.google.com · read 27 Oct 2026
