Chime

Unlock High-Yield Savings and Cash Back

You can elevate your rewards by setting up qualifying direct deposits. Depending on your monthly deposit volume, you can unlock a higher APY for your savings account and earn cash back on everyday spending categories like groceries, gas, or dining.

Maximize the Referral Program

Chime frequently rewards existing members who invite friends and family to join. When a new member signs up using a referral link and completes a qualifying direct deposit within the first 45 days, both parties may receive a cash bonus credited to their accounts.

Avoid Banking and ATM Fees

To keep more of your money, stick to the extensive network of fee-free ATMs and utilize Walgreens for cash deposits to avoid third-party service charges. Additionally, the SpotMe feature provides fee-free overdraft protection for those with active direct deposits.

Get Paid Early

By routing your payroll or government benefits through Chime, you can often access your funds up to two days earlier than at traditional banks. This helps you manage bills more efficiently and avoids the need for short-term loans or liquidity services.