Chime Savings Account

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.