By making premium rewards free to anyone who receives qualifying direct deposits, we’re democratizing access to something nearly all Americans want— and continuing to push our industry forward.
At Chime, our mission is to help everyday people Unlock Financial Progress®. We do that by creating innovative products and services that meet Americans’ needs and support their long-term goals.
First, we focused on making core banking better, with fee-free checking1, fee-free overdraft coverage2, and low-cost access to liquidity. At the same time, we gave every member ways to grow, with easy credit building3, in-app education, always-on support, and more. These alone helped us become America’s #1 choice for banking4—with 9.5 million active members nationwide.
Gone are the days where big balances mean better perks, or where you need to pay for a premium card to get better benefits. Now premium rewards are available just by making us your primary account and receiving qualifying direct deposits. Because we believe that when you commit to us, we should commit right back to you.
*
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 www.chime.com/savings-apy-and-program-banks/.
With Chime Prime, get 5% cash back on eligible Chime Card purchases, 3.75% Prime APY on your Savings Account balance, and priority support. Not all Chime benefits listed
require qualifying direct deposits of $3,000+. Chart based on internal comparison conducted February 2026 to select offerings at traditional banks, numbers subject to change at any time. See details used for comparison to traditional bank offerings here.
.svg)
Optional Services and Products Fee Disclosures ›
In the months ahead, we’ll deliver even more: better ways to grow your money, share accounts, plan for the future, and see all your hard work truly pay off.
Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products.
Learn moreLorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
