Chime vs. GO2bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Chime
Chime High-Yield Savings Account
Up to3.50%APYDec 6, 2025FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 1.00% – 3.50%Show Fine Print & Trends Hide Details
Chime
Chime High-Yield Savings Account
GO2bank
High Yield Savings
Up to4.50%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 0.00% – 4.50%Show Fine Print & Trends Hide Details
GO2bank
High Yield Savings
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
Comparison Analysis
Comparing Chime vs. GO2bank
Why Chime?
No distinct advantages found vs GO2bank.
Why GO2bank?
- ✓Higher potential APY (4.50% vs 3.50%) on balances up to $5,000 (requires checking bundle)
— Key Feature Differences —
Better Returns at $10,000
ChimeChime's Chime High-Yield Savings Account earns more on smaller deposits (approx. $350 vs $225/yr).
Better Returns at $25,000
ChimeChime's Chime High-Yield Savings Account pulls ahead with larger amounts (approx. $875 vs $225/yr).
Requires Banking Relationship
Both banks require a checking account bundle to access their highest rates.
Shared Benefits
Over a 1-year period, Chime's Chime High-Yield Savings Account pays $125 more interest on a $10,000 balance than GO2bank's High Yield Savings.
Executive Summary
GO2bank offers a High Yield Savings account with a competitive APY of 4.50%, which is significantly higher than Chime's 3.50% APY for its High-Yield Savings Account. However, to open a GO2bank savings account, a GO2bank checking account is required, and the 4.50% APY applies only to balances up to $5,000; amounts above that earn no interest. In contrast, Chime's account does not require a checking account, but it does necessitate a qualifying direct deposit of $200 or more within the preceding 34 days. Both accounts are online-only and have no maintenance fees, making them accessible options for savers.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Chime and GO2bank.
| Feature | Chime | GO2bank |
|---|---|---|
| APY | 3.50% Range: 1.00% - 3.50% Verified: 12/6/2025 ↘︎ 0.25%90d Change | 4.50% 0Verified: 12/6/2025 Stable (90d) |
| Product Name | Chime High-Yield Savings Account | High Yield Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $5 per month, unless you set up direct deposit |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | RequiredYou need to receive a qualifying direct deposit of $200 or more within the preceding 34 days | None |
| Checking Bundle | Yes | Yes |
| Mobile Apps | iOS4.8 Android4.7 | iOS4.8 Android4.5 |
| BBB Rating | A+ | Not Rated |
| Important Notes | - | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest. |
| Next Steps |
Savings Comparison
Chime earns $883.2 more than GO2bank.
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,114.10(10.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,114.10
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$1,230.90(6.4%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,230.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Chime | GO2bank |
|---|---|---|
| Chime High-Yield Savings Account | High Yield Savings | |
Current APY | 3.50% | 4.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -9.1 | 0.0 |
Days Since Change | 51 | 121 |
4-Month High | 3.75% | 4.50% |
4-Month Low | 3.50% | 4.50% |
Adjustments / Mo | 0.25 | 0.00 |
Volatility Score | 0.034 | 0.000 |
How to read these metrics(Click to expand)
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