Chase Bank vs. Chime
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Chase BankChase Savings℠ Jan 21, 2026 | ChimeChime High-Yield Savings Account Jan 21, 2026 |
|---|---|---|
| APY | 0.01% | 1.00% - 3.50% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDirect Deposit ReqChecking Bundle |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Chase Bank vs. Chime
As of Chase Bank offers an APY of 0.01% for its Chase Savings℠ account, with a minimum balance of $0, compared to Chime's 3.50% APY for its Chime High-Yield Savings Account, with a minimum balance of $0.01.
Chime pays $349 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, while Chime pays $350 - an APY advantage for Chime.
Why Chase Bank?
- ✓No checking account or direct deposit required
- ✓Fast transfers via Zelle® (up to $2,000 a day)
Why Chime?
- ✓Higher potential APY (3.50% vs 0.01%) on all balances
— Key Feature Differences —
Better Returns at $10,000
ChimeChime's Chime High-Yield Savings Account earns more on smaller deposits (approx. $350 vs $1/yr).
Better Returns at $25,000
ChimeChime's Chime High-Yield Savings Account pulls ahead with larger amounts (approx. $875 vs $3/yr).
Best for All-in-One Banking
ChimeChime's Chime High-Yield Savings Account pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Chime's Chime High-Yield Savings Account pays $349 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Chime offers a competitive advantage with its High-Yield Savings Account, providing an impressive APY of 3.50%, making it significantly more attractive than Chase Bank's Chase Savings℠, which yields only 0.01%. While Chime requires a qualifying direct deposit of $200 or more within the preceding 34 days, it has no maintenance fees and is an online-only product. In contrast, Chase's savings account has a maintenance fee of $5, which can be waived under certain conditions. For those seeking higher returns on their savings, Chime clearly stands out as the better option.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
Chase Bank vs. Chime Savings Calculator
You earn $349 more with Chime than Chase Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Chase Bank | Chime |
|---|---|---|
| APY | 0.01% Verified: 1/21/2026 Stable (90d) | 3.50% Range: 1.00% - 3.50% Verified: 1/21/2026 Stable (90d) |
| Product Name | Chase Savings℠ | Chime High-Yield Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $5 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | RequiredYou need to receive a qualifying direct deposit of $200 or more within the preceding 34 days |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.8 Android4.7 | iOS4.8 Android4.8 |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Not Supported |
| BBB Rating | A- | A+ |
| Important Notes | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | - |
| Next Steps | Visit SiteVerify at Chase Bank Non-sponsored link to official site | Visit SiteVerify at Chime Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chase Bank | Chime |
|---|---|---|
| Chase Savings℠ | Chime High-Yield Savings Account | |
Current APY | 0.01% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | 8.5 |
Days Since Change | 355 | 97 |
12-Month High | 0.01% | 3.75% |
12-Month Low | 0.01% | 2.00% |
Adjustments / Mo | 0.00 | 0.17 |
Volatility Score | 0.000 | 0.175 |
How to read these metrics(Click to expand)
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