{"account":{"slug":"chime-checking","bank":"Chime","name":"Checking Account"},"status":"recent","lastVerified":"2026-10-23","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"},{"date":"2026-10-23","apy":"No checking interest; separate savings pays 1.00% base, 3.00% with Chime Plus or 4.00% with Chime Prime. Variable APYs effective October 6, 2026; qualifying deposits required for higher tiers","monthlyFee":"$0 monthly maintenance fee; Plus and Prime have no subscription charge. Optional services and third-party transactions can cost extra","minimumOpen":"No minimum opening deposit or minimum balance requirement","atm":"47,000+ fee-free ATMs. Out-of-network ATM and over-the-counter withdrawals carry a $2.50 Chime fee, plus possible operator fees. ATMs do not accept Chime cash deposits.","note":"Full review. Savings APYs rose to 1.00/3.00/4.00 effective October 6. Corrected 34-day membership requirements, cash limits, personal-use restrictions and MyPay costs; distinguished conflicting advertised versus individually disclosed MyPay limits and limited joint-account rollout. Prior snapshots preserved.","sourceUrl":"https://www.chime.com/policies/chime/savings-apy-and-program-banks/","sourceLabel":"Current Chime rate schedule and partner-bank agreements"}],"verificationEvents":[{"id":"33a83290-c8d0-4fa1-946e-8df1abea7340","entityType":"bank-account","slug":"chime-checking","checkedAt":"2026-10-23T13:10:56.326Z","recordedAt":"2026-10-23T13:10:56.327Z","sourceUrl":"https://www.chime.com/policies/chime/savings-apy-and-program-banks/","sourceLabel":"Chime current savings rate schedule, account and membership agreements","outcome":"changed","summary":"Full Chime account review: new savings APYs, rolling membership conditions, cash limits, optional advance costs, personal-use restrictions, joint rollout and insurance verified. Prior history preserved.","changedFields":["apy","monthlyFee","minimumOpen","fdic","plans","features","atm","pros","cons","ourTake","bestFor","sections","faqs","editorialReview","termHistory","lastVerified"],"facts":{"fullAccountReview":true,"savingsApy":{"base":1,"plus":3,"prime":4},"rateEffective":"2026-10-06","membershipWindowDays":34,"cashDailyMaximum":3000,"cashMonthlyMaximum":10000,"myPayAdvertisedMaximum":750,"myPayDisclosureLimitRange":[20,1000],"myPayAvailableAmount":"Individual in-app value, not a guaranteed maximum","myPayInstantFee":{"percentage":3,"minimum":2,"maximum":5},"sourceConflicts":"Checking/product pages still show old cash limits and $500 MyPay; current cash help and both agreements agree on cash limits; MyPay advertises 750 with individual 20-1000 range in disclosure","jointAccounts":"Separate limited rollout","businessUse":"Restricted by both partner-bank agreements","referral":"Channel-specific; not represented as automatic public opening bonus","sourceUrls":["https://www.chime.com/online-banking/checking-account/","https://www.chime.com/policies/bancorp/deposit-account-agreement/","https://www.chime.com/policies/stride/deposit-account-agreement/","https://www.chime.com/policies/chime/membership-tiers-prime/","https://www.chime.com/policies/chime/savings-apy-and-program-banks/","https://www.chime.com/policies/bancorp/savings-account-agreement/","https://www.chime.com/policies/stride/savings-account-agreement/","https://help.chime.com/how-do-i-deposit-cash-into-my-chime-account-2c7dc564","https://www.chime.com/early-pay/mypay/","https://www.chime.com/policies/bancorp/mypay/","https://www.chime.com/policies/stride/mypay/","https://help.chime.com/explore-products-ad7f967f/joint-accounts-c2e367e7/what-are-chime-joint-accounts-1e450645","https://www.chime.com/perks/"]},"previousHash":"7b16be5a63b2c02e7415b43f7ba257d16c63d907581b0130683e2ec9d6be7e37","recordHash":"faa318752c0bf64035f35043d92f81fbdbc7c1752a4ebba20ecce8ebd1b24c0f"},{"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"}