Chime High Yield Savings Review

3.75% APY with qualifying direct deposit, automatic round-ups, and a $100 bonus. No credit pull.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 28, 2026.

Our verdict

Built for automatic savers, Chime moves money for you with Round Ups and Save When You Get Paid, which sets aside 10% of direct deposits. The 3.75% APY requires $3,000 or more in direct deposits over 34 days, and you can't open savings without a Chime Checking account. Chime isn't a bank, so partner banks provide the services, which is part of why it isn't rated higher.

Skip it if you don't want a Chime Checking account, or your paycheck can't arrive there by direct deposit.

About Chime High Yield Savings

3.75% APY with qualifying direct deposit, automatic round-ups, and a $100 bonus. No credit pull. Chime High Yield Savings is offered by Chime® (banking services by The Bancorp Bank, N.A. or Stride Bank, N.A.). Our editorial rating is 4.1 out of 5.

Best for: Automatic savers who want round-ups + early paycheck.

Editorial grade: B+ (composite score 81/100).

Highlights

3.75% APY with Chime Prime ($3,000+ in qualifying direct deposits in the past 34 days); 2.75% with Chime Plus; 0.75% otherwise
$100 reward: enter your promo code, enroll, and make your first qualifying direct deposit within 30 days of enrolling¹
Automatic Save When You Get Paid (10% of direct deposits)
Round Ups transfer spare change from Chime Checking

What we like

No monthly fees² or minimum balance requirements
$100 reward for new members, with no credit pull¹
Built-in automatic savings tools (round-ups + auto-save)
20M+ users with top-rated mobile app

Where it falls short

Requires a Chime Checking account to open
Not a bank, so services are provided through partner banks
The 3.75% APY requires $3,000 or more in direct deposits over 34 days; otherwise 2.75% or 0.75%

Fees, minimums, and rates

Monthly fee: $0/month. Minimum to open: $0. Current APY: 3.75%. New-customer bonus: $100. Rates and fees last checked on September 28, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Chime® (banking services by The Bancorp Bank, N.A. or Stride Bank, N.A.). It is built from Chime® (banking services by The Bancorp Bank, N.A. or Stride Bank, N.A.)'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the High-Yield Savings shortlist. Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). The rubric is the same for every brand.

Not a bank. Deposits are held at these banks

The Bancorp Bank, FDIC certificate 35444: capital, loan quality, every office and the complaint record.
Stride Bank, FDIC certificate 4091: capital, loan quality, every office and the complaint record.

Similar products to compare

Read our full editorial methodology for how we review products.