{"account":{"slug":"chime-checking","bank":"Chime","name":"Checking Account"},"status":"recent","lastVerified":"2026-09-04","officialSource":"https://www.chime.com/online-banking/checking-account/","history":[{"date":"2026-06-11","apy":"0.75% base savings, 2.75% with Chime+, or 3.75% with Chime Prime","monthlyFee":"$0","minimumOpen":"None","atm":"50,000+ fee-free ATMs; $2.50 out of network","note":"Legacy snapshot before Chime Plus naming, rewards-card limitations, and current ATM count were attached"},{"date":"2026-09-04","apy":"0.75% base savings, 2.75% with Chime Plus, or 3.75% with Chime Prime","monthlyFee":"$0 across all tiers; tier access is earned through qualifying direct deposits","minimumOpen":"None","atm":"47,000+ fee-free ATMs; $2.50 out-of-network ATM or over-the-counter withdrawal fee","note":"Reconfirmed deposit thresholds, savings APYs, fee disclosures, and the secured-card requirement and monthly cap on category rewards","sourceUrl":"https://www.chime.com/policies/chime/membership-tiers-prime/","sourceLabel":"Chime Membership Tiers Terms and Conditions"}],"verificationEvents":[{"id":"4514cb04-1859-41b6-8747-1b6282b57c55","entityType":"bank-account","slug":"chime-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T02:49:41.843Z","sourceUrl":"https://www.chime.com/policies/chime/membership-tiers-prime/","sourceLabel":"Chime Membership Tiers Terms and Conditions","outcome":"changed","summary":"Reconfirmed tier thresholds and savings rates; corrected Chime Plus naming, ATM count, and secured-card reward requirements and caps.","changedFields":["apy","plans","atm","ourTake","termHistory","lastVerified"],"facts":{"baseSavingsApy":0.75,"plusSavingsApy":2.75,"primeSavingsApy":3.75,"feeFreeAtms":47000,"rewardSpendCap":1500},"previousHash":"a9267a70e6cd8e6a2c565421bbc5341aff8f5a66e40e4c1d295bb6757d90bcc7","recordHash":"78157359a87c9e6758ec6159ad35f156295634195c78348f732cd284c55817b7"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}