Chime

Spec sheet

What it does

A mobile banking app with automatic savings tools and a high-yield savings account; conditions apply (Chime footnote, could not read).Read 27 Oct 2026 · play.google.com

Product

Chime's App Store listing says its members bank fee-free; conditions apply (Chime footnote, could not read).Read 27 Oct 2026 · apps.apple.com

Platforms

iOS, Android and web (the App Store and Google Play listings show iOS and Android).Read 27 Oct 2026 · chime.com

Credit building

The secured Chime Visa® Credit Card helps build credit history through regular purchases and on-time payments; late payments can negatively affect your credit score; conditions apply (Chime footnote, could not read).Read 27 Oct 2026 · play.google.com

Early pay

Get paid up to 2 days early. With direct deposit, MyPay gives early access to your paycheck, up to $500, with no interest, no credit check and no mandatory fees to access funds within 24 hours (a $2 fee applies for instant funding); conditions apply (Chime footnote, could not read).Read 27 Oct 2026 · play.google.com

Eligibility

A Chime Checking Account is required to open a savings account.Read 27 Oct 2026 · play.google.com

Fees

No monthly fees on the checking account, free in-network cash deposits and free in-network ATM withdrawals; a $2 fee applies for instant funding (MyPay); conditions apply (Chime footnote, could not read).Read 27 Oct 2026 · play.google.com

Pricing

Free: no monthly fees and no minimum balance.Read 22 Oct 2026 · chime.com

Round-ups

Automatic round-ups on card purchases.Read 27 Oct 2026 · chime.com

Saving rules

Route a percentage of each direct deposit into savings automatically.Read 22 Oct 2026 · chime.com

Savings goals

Up to 10 named Savings Goals with progress tracking.Read 22 Oct 2026 · chime.com

Savings rates (APY)

1.00% APY, Chime Basic · 3.00% APY, Chime Plus™ with qualifying direct deposits of $200 or more per month · 4.00% APY, Chime Prime™ with qualifying direct deposits of $3,000 or more per month (variable, effective 10/06/2026)Read 22 Oct 2026 · chime.com

Scheduled transfers

Automatic recurring transfers from checking to savings.Read 22 Oct 2026 · chime.com

Where Specifiction places it

• Automated Savings Apps#18 of 187.0