That’s a fairly competitive rate compared to other high-yield savings accounts some of the top online banks offer. Read More: Best Checking Accounts of 2023 Chime High-Yield Savings AccountĬhime’s Savings Account offers an 2.00% annual percentage yield (APY). Your debit card can be used anywhere Visa is accepted. There’s no credit check to open an account and receive a Chime debit card. Chime can increase your SpotMe allowance to up to $200 or more at its discretion based on your account history, direct deposit amounts and frequency, spending activity and other factors. A single deposit of $200 or more in qualifying direct deposits is required each month to be eligible for this feature. For example, when you enroll in Chime’s SpotMe service, you can overdraw your account by up to $20 on debit card purchases without a fee. The Chime® Checking Account is fee-friendly. Compatible with Google Pay and Apple Pay.Disable transactions if your card is lost or stolen.Access to 60,000+ fee-free ATMs nationwide˜.Send money to friends and family fee-free (up to a $2,000 monthly limit).With SpotMe®, you can get fee-free overdraft up to $200 (with $200 or more in direct deposits each month)^.

Get paid up to two days early with direct deposit**.Here are some of the highlights of the Chime Checking Account: And there are no minimum balance requirements for this account. The Chime® Checking Account has $0 monthly maintenance fee. Here’s a rundown of each account’s features, benefits and pricing. Chime offers two bank account options to help you manage your money.

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