Chime Premium Tier Banking Features – Complete Guide to Chime+ in 2025

Aug 11, 2025 Reading time : 4 min

Chime is now one of the biggest brands in mobile-first banking, due to its lack of fees on checking accounts and early direct deposit, as well as its simple-to-use mobile app. In 2025, it introduced Chime Premium Tier Banking Features, also called Chime+, for members with qualifying direct deposits. The increase comes with increased savings rates, increased rewards, and support, but no member fees.

Whether you’re saving for the future, managing daily expenses, or building credit, Chime Premium Tier Banking Features are designed to make premium banking accessible to everyone.

What are Chime Premium Tier Banking Features (Chime+)?

Chime Premium Tier Banking Features come as a free upgrade that unlocks exclusive perks when you receive a qualifying direct deposit (usually $200 or more) into your Chime account.

Compared to typical banks, which offer account premiums at a cost, Chime+ has maintained the structure of zero fees and offers premium benefits without putting additional costs to customers, a combination that attracts a recreational saver on a performance basis as well as serious savers.

Core Chime Premium Tier Banking Features

1. 3.75% APY on Savings

Chime+ members enjoy 3.75% Annual Percentage Yield on their savings balance—well above the national average. This means your money grows faster without needing a separate high-yield account.

2. Exclusive Chime Deals® Cashback

Chime+ unlocks access to extra cashback offers from partnered merchants. These deals can be activated in-app and are credited automatically after purchases, letting you save while you spend.

3. Priority Customer Support

With Chime+, you move to the front of the line for customer service inquiries. Support is faster, and access to live assistance is more streamlined—ideal during urgent account issues.

4. All Standard Chime Features Included

When you upgrade, you keep all the standard Chime features alongside Chime+:

SpotMe®: Fee-free overdraft (limits up to $200)
MyPay®: Access up to $500 of your paycheck early
Credit Builder Visa®: Helps build credit with no interest
No monthly fees or minimum balance requirements
50,000+ fee-free ATMs nationwide

5. Enhanced Financial Tools

The Chime Premium Tier Banking Features also improve your financial management with:

FICO® Score tracking
Personalized savings goals
Security Hub with multi-factor authentication and passkey logins
Spending insights to help manage budgets

6. Instant Loan Access (For Eligible Users)

Some members with Chime Premium Tier Banking Features qualify for small installment loans up to $500 with low, transparent interest rates—repayable in three months.

Benefits of Chime Premium Tier Banking Features

Benefit	Why It Matters
Higher APY	Grow savings faster without locking funds.
Cashback Rewards	Save money on everyday purchases.
Priority Support	Resolve account issues quickly.
Financial Wellness	Track credit, set goals, improve habits.
Liquidity Options	Early pay, overdraft, and instant loan options.

How to Qualify for Chime+?

Open a Chime account (online or via the app).
Set up a qualifying direct deposit of $200 or more.
Once the deposit posts, Chime Premium Tier Banking Features are activated automatically.

Tip: If your direct deposit stops, your account may revert to the standard tier. Resuming deposits will restore your benefits.

Pros and Cons of Chime Premium Tier Banking Features

Pros:

No membership or upgrade fee
Market-leading APY for a free account
Cashback and reward access
Strong security and budgeting tools

Cons:

Must meet direct deposit requirements to keep benefits
No physical bank branches
Loan availability varies by user

Is Chime Premium Tier Worth It?

Chime+ is a superb value when you want direct deposits that will boost your high-yield savings account, cashback offers, and more responsive support, but do not want to pay extra fees. It is also a good choice when individuals desire to have all things on a single mobile-friendly app.

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Conclusion

The Chime Premium Tier Banking Features bring high-yield savings, exclusive rewards, and priority support into one package—without monthly fees. Among other benefits that unlock when one meets the direct deposit requirement are the benefits of using Chime as a primary bank, which are on par with paid premium account offerings at other financial institutions.