Have you been considering switching to Chime? Now may be the perfect time with the launch of all-new ‘Chime+’

Online banking is booming. A recent report revealed that 69% of people globally are banking online as of 2024. The initial draw was convenience — you could handle all your banking from your phone or computer, avoiding long lines and waiting at physical branches.

But as digital banking evolves, so have the offerings. Today’s online banks are doing more than just simplifying deposits. They’re enhancing the entire financial experience.

With so many new options available, it can be hard to choose the right option for you. It may be worth considering a banking app that’s been in the space for a while. Chime launched in 2012 as a pioneer known for its checking and saving accounts with no monthly fees and easy-to-use app. Chime leads the industry with features like fee-free overdraft,¹⁰
safer credit building² with their secured credit card and early access to your pay.

With more than 1M 5-star reviews from the Google Play® and Apple App Store®, The #1 Most Loved Banking App³, has just launched an all-new premium membership that simplifies and streamlines their members’ favorite features and debuts some new major perks.

What Makes Chime+ Stand Out?

Chime+ isn’t just another app update — they’ve now bundled all of their best features and launched some stand-out perks. The cost? It's Chime, so you may have guessed - it's totally free⁴ and simply requires you to set up qualifying direct deposit with them.4 Here’s the rundown of their top features that we think may make you reconsider Chime:

• High APY for big savings: Chime+ offers one of the highest APYs on the market today — 3.75%⁵ — so your savings can grow faster. Many other accounts with higher APYs require a wide range of fees to take advantage of earning the higher rate. With Chime+, you simply need to direct deposit at least $200 a month.⁴
• Access to money when you need it: With Chime+, you can access up to $500⁶ of your pay between pay periods with MyPay®, plus enjoy up to $2001 of SpotMe® overdraft coverage — all without any mandatory fees. More control over your money when you need it.
• Exclusive perks & cashback: Chime+ unlocks special offers and cash back from top retailers⁷ This expanded offer for Chime+ just launched, so more retailers are likely to be added in the future, too!

These are just a few of the benefits available for Chime+ members, but we heard it’s just the beginning and the banking app says it intends to announce more later this year.

How to Get Chime+

Fee free banking?⁸ 3.75% savings APY? What’s not to love! If you’re ready to get started, it’s simple. Chime+ is available to members who set up a qualifying direct deposit6 — that’s it. With direct deposit, you get access to all the benefits, including 50,000 fee-free in-network ATMs⁹ priority support and overdraft coverage up to $200,¹ all for free. Click here to get started!

More new features for all Chime members

Even if you’re not direct depositing to become a Chime+ member, every Chime member benefits from a smarter app experience with their latest app redesign:

• Credit building from day one: The secured Chime Credit Builder Visa® Credit Card¹⁰ can help members start building credit history immediately² — direct deposit is no longer required to start. On average, users see a 30-point¹¹ increase in their credit scores over time.
• Personalized savings goals: Set and track custom savings goals — whether it’s for a vacation, emergency fund, or major purchase.
• Enhanced security: Manage your account with Chime’s new security hub, featuring multi-factor authentication, passkeys, and real-time alerts to help keep your finances safe.

Sponsored by Chime Financial, Inc.

Disclosures:
Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.

¹ SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.

Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe Terms and Conditions.

² On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

³ Chime is recommended by more of its users in the 2024 Qualtrics® NPS study when compared to top national banks and select fintechs. THE #1 MOST LOVED BANKING APP is a Registered Trademark of Chime Financial, Inc.

⁴ To be eligible for Chime+™ status you must receive a qualifying direct deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime+ benefits have additional eligibility requirements. While some Chime+ benefits may have associated fees, none of these fees are mandatory to access Chime+ benefits or to maintain Chime+ status. See Chime+ Terms and Conditions for details. CHIME+ is a Trademark of Chime Financial, Inc.

⁵ The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of June 10, 2025. No minimum balance required. Must have $0.01 in savings to earn interest. The Chime+ APY is available only while you maintain eligibility requirements for Chime+, otherwise the APY for non-Chime+ members will apply. See Chime+ Terms and Conditions for more details.

⁶ To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.

⁷ Eligibility requirements and limits apply. See Chime Deals® Terms and Conditions.

⁸ Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products.

⁹ 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.

¹⁰ To apply for Credit Builder, you must have an active Chime® Checking Account.

¹¹ Based on a representative study conducted by Experian® in January 2024, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.