How often do I need to make a direct deposit to keep Chime Plus?

To maintain Chime Plus status, you must receive at least one Qualifying Direct Deposit of $200 or more within the preceding 34 days.

How Does the 34-Day Rule Work?

Chime Plus is based on the preceding 34-days window.
Each new Qualifying Direct Deposit of $200 or more resets your 34-day period.
If more than 34 days pass without a Qualifying Direct Deposit of $200 or more, you will lose access to Chime Plus status.

How Can I Track My Status?

To check if you have Chime Plus:

Open the Chime app.
Go to Profile tab.
Look for the Chime Plus badge on your account.

What Happens If I Miss a Qualifying Direct Deposit?

You will lose Chime Plus status, including priority support and the higher savings APY¹.
You can regain Chime Plus status again at any time by making a new Qualifying Direct Deposit of $200 or more.

Still need help, visit How do I contact Chime customer service?

Disclaimers

The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of 3/26/25. No minimum balance required. Must have $0.01 in savings to earn interest. The Chime Plus APY is available only while you maintain eligibility requirements for Chime Plus, otherwise the APY for non-Chime Plusmembers will apply. See Chime+ Terms and Conditions for more details.

*To be eligible for Chime Plus™ status you must receive a Qualifying Direct Deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime Plus benefits have additional eligibility requirements. While some Chime Plus benefits may have associated fees, none of these fees are mandatory to access Chime Plus benefits or to maintain Chime Plus status. See Chime+ Terms and Conditions for details.

CHIME Plus is a Trademark of Chime Financial, Inc.