Last Updated: 02/26/2026
SuperMoney User Recommendation Score +29
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Chime Savings Account Review
Key Takeaways
- Get paid early. Get your paycheck up to 2 days early with direct deposit.
- High yield savings. This account offers an annual percentage yield of up to 3.00%, which is much higher than the average interest rate for a savings account.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
Chime savings account Pros & Cons
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Chime savings account FAQ
Are Chime Savings Account deposits federally insured?
Does Chime® offer a signup bonus?
What is the minimum initial deposit for Chime savings account?
There is no minimum deposit to open a Chime savings account.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.01 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Required Balance | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does Chime Savings Account offer?
What fees does Chime savings account charge?
Does Chime savings account charge overdraft fees?
No, Chime savings account does not charge overdraft fees.What features and perks does Chime savings account offer?
- Check images with monthly statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks for each statement period.
- Free Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Get paid early - If you set up direct deposit with your employer and request this service, you can collect your salary early.
- Mobile Banking Services - Chime savings account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to Chime savings account?
What is the customer support email for Chime savings account?
How do people rate the customer service and user experience of Chime savings account?
Chime Savings Account Disclosure: Disclaimer (i) The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY rate is effective as of 02/26/2026. No minimum balance required. Must have $0.01 in savings to earn interest. The 3.00% Chime+ APY is available only while you maintain eligibility requirements for Chime+, otherwise the 0.75% APY for non-Chime+ members will apply. See Chime+ Terms and Conditions for more details.
Chime Savings Account Review
Chime Savings Account Disclosure
* Terms apply. Limited time only, must open the new account and complete qualifying activities to earn 3 individual rewards, up to a max of $350.00, as described at https://www.chime.com/policies/newmemberofferv3.
1. The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY rate is effective as of 10/17/2025. No minimum balance required. Must have $0.01 in savings to earn interest. The 3.00% Chime+ APY is available only while you maintain eligibility requirements for Chime+, otherwise the 0.75% APY for non-Chime+ members will apply. See Chime+ Terms and Conditions for more details. 2. Chime is not FDIC-insured. The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. FDIC deposit insurance limit is $250,000 per depositor, per insured bank, per ownership category.
For Savings Account depositors, funds are eligible for FDIC insurance when it arrives at the bank. See details at Changes to Chime Savings Annual Percentage Yield (APY) and the Introduction of Program Banks. and Rate Caps to learn more.
3. There's no fee for the Chime Savings Account Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account. Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM participating in the Allpoint network. ^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment is received, which may be up to 2 days earlier than the scheduled payment date.
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Promotional Offers
Get up to $350*