You have tried to earn something on your savings and ended with nothing? Imagine earning an extra $37 A year on your $1000 without taking any risk. That is the promise of Chime premium tier banking features with Chime+ a free upgrade from Chime financials. If you are a freelancer or belong to any industry and want smart banking, Chime+ delivers. Chime is a fintech favourite, it is not your regular ban, partnering with The Bancorp or Stride Bank for FDIC-insured accounts. Let us look into Chime premium tier banking features from Chime 3.75% APY savings to Chime exclusive deals and see how Chime+ premium membership Can enhance your financial goals in 2025.
What Is Chime+ Premium Membership?
Imagine this if you are a freelance graphic designer and direct deposit your client’s payments and suddenly unlock a set of tools to spend and save smarter. That’s the magic of Chime+ premium membership a free tier for Chime members with $200+ monthly direct deposits. It was launched in March 2025, for folks who want more from their banking minus additional fees. Unlike the regular accounts, Chime+ offers bonuses that make you feel financially healthy. Want to know the basics? Check our Chime Checking Account Guide.
Key Chime Premium Tier Banking Features
What sets chime premium tier banking features apart? Here’s why Chime+ is turning heads:
- Chime 3.75% APY Savings: Earn a 3.75% annual percentage yield on your Chime Savings Account, squash the 0.45% national average. For $1,000, that’s ~$37.50 a year—perfect for an emergency fund or holiday gift. Without a minimum balance, and fees.
- Chime Exclusive Deals: Get separate cash-back offers at top retailers, beyond standard Chime Deals® for gas and groceries. Swipe your Chime Visa® Debit Card or Secured Chime Credit Builder Visa® Credit Card, and cash back comes in 10 days—like $5 back on a $50 grocery purchase.
- Priority Support: Chime+ members get faster responses via the app’s AI chatbot, which solves 70% of issues immediately, or human support. It’s like having a bank buddy on speed dial.
- MyPay® and SpotMe®: Access pay between paydays with MyPay® and up to $200 fee-free overdraft with SpotMe®. Refer friends to bump your SpotMe® limit by $10 each time. Learn more in our Chime SpotMe Details.
- Credit Building Without Hassle: Use the Secured Chime Credit Builder Visa® Credit Card from day one, no direct deposit is needed. On-time payments lift your FICO® Score by 30 points on average (web:1). See our Chime Credit Builder Guide.
Sarah says, “Chime+’s savings rate helped me build a cushion for slow months. It’s like my bank’s cheering me on!”.
How to Unlock Chime+ Premium Membership
Getting chime premium tier banking features is easier than ordering takeout. Follow these steps to join Chime+ premium membership:
- Sign Up for Chime: Log into to chime.com and open an account in 2 minutes—no credit check needed.
- Set Up Direct Deposit: Link your job, gig app (like DoorDash), or benefits for $200+ monthly deposits. Grab the direct deposit form in the app (Move Money > Direct Deposit).
- Wait for the Upgrade: Chime automatically bumps you to Chime+ once your deposit clears.
- Explore Perks: Tap the Chime+ section in the app to activate Chime exclusive deals and priority support.
- Save Big: Move money to your Savings Account for that Chime 3.75% APY savings boost.
Your free Chime Visa® Debit Card arrives in 7–10 days. Compare cards at our Chime Bank Card Comparison.
Chime Free Tier vs. Chime+ Premium
Wondering if Chime premium tier banking features are worth it? Here’s how Chime+ stacks up against the free tier:
| Feature | Free Tier | Chime+ Premium |
| Savings APY | 2.00% | Chime 3.75% APY savings |
| Cash-Back | Standard Chime Deals® | Chime exclusive deals |
| Support | Standard | Priority support |
| MyPay®/SpotMe® | Yes | Yes, with higher SpotMe® limits |
| Credit Builder | Direct deposit needed | No direct deposit required |
| Cost | Free | Free ($200+ direct deposit) |
The free tier’s great, but Chime+’s chime premium tier banking features are ideal for savers and deal-seekers. If you’re already direct depositing, why not grab the upgrade?
Bonus: Chime’s 2025 App Features for Everyone
Even without Chime+, the redesigned Chime app brings Chime new features 2025 to all users:
- Savings Goals: Track progress toward a car, trip, or rainy-day fund.
- FICO® Tracking: Get real-time credit score updates and tips.
- Security Hub: Add passkeys or multi-factor authentication for peace of mind.
- Cleaner Design: See balances and tools right on the home screen.
These upgrades make Chime easy to use, whether you’re chasing Chime premium tier banking features or sticking with the basics.
FAQs: Your Chime Premium Tier Banking Features Questions
What are Chime premium tier banking features?
Chime+ includes Chime 3.75% APY savings, Chime exclusive deals, priority support, and no-deposit credit building.
How do I join Chime+ premium membership?
Direct deposit $200+ monthly through Chime, and you’re auto-upgraded for free.
Are Chime exclusive deals a good deal?
Totally—personalized cash back at retailers adds up, like $5 on groceries.
Is there a catch with Chime 3.75% APY savings?
No! Available to Chime+ members with a Savings Account, no minimum.
Do free-tier users get Chime credit builder features?
Yes, but they need direct deposit, unlike Chime+ members.
How do Chime premium tier banking features compare to banks?
Chime+ offers no fees, higher APY, and flexibility that traditional banks can’t match
Get Started with Chime+ Today
Chime premium tier banking features make banking smarter, not harder. With Chime+ premium membership, you’ll save more, score Chime exclusive deals, and build credit effortlessly. Ready to try it? Head to chime.com to sign up and unlock Chime+ with your next direct deposit. Got a savings tip? Share it in the comments—I’m curious! Keep exploring with our Chime Checking Account Guide.
Not Affiliated with Chime: bankingwithchime.com is an affiliate site, not endorsed by Chime. Verify details at chime.com.