Chime Savings

About Chime Savings Chime Savings is a high-yield, fee-free savings account offered by Chime Financial, Inc., a U.S.-based consumer fintech company that delivers mobile-first banking services through FDIC-insured partner banks — The Bancorp Bank, N.A. and Stride Bank, N.A.

The savings account requires no minimum balance, charges zero monthly fees, and offers tiered APY rewards: 0. 75% baseline, 3. 00% APY for Chime Plus members, and up to 3.

75% APY for Chime Prime members who receive qualifying direct deposits — far exceeding the national average for savings accounts.

Chime Savings comes integrated with automated saving tools including Round Ups (rounding purchases to the nearest dollar and saving the difference) and Save When I Get Paid (auto-transferring a set percentage of each paycheck to savings), enabling effortless, habit-based savings without manual transfers.

Unlike traditional banks, Chime operates exclusively through its mobile app and web platform, giving members 24/7 account access, real-time transaction notifications, instant fund transfers, and seamless goal-tracking — all within a unified digital banking experience.

Founded in 2012 and headquartered in San Francisco, Chime went public on the Nasdaq in June 2025 under the ticker CHYM, raising $864 million at an $11.6 billion valuation — cementing its position as one of the most significant fintech IPOs in recent U.S. history.

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