What happens to your Chime accounts when you die

Chime Checking Account

No monthly fees, no minimum balance, no overdraft fees. Includes Visa debit card. Get paid up to 2 days early with qualifying direct deposit. SpotMe fee-free overdraft coverage up to $200 on debit card purchases, credit card transactions, and cash withdrawals for eligible members (starts at $20, increases based on direct deposit history and account activity). Chime does not support POD beneficiary designations or trust retitling on checking accounts. Accounts pass through the estate at death and may require probate. Provided by The Bancorp Bank, N.A. or Stride Bank, N.A.

Chime High-Yield Savings Account

No monthly fees or minimum balance requirement. Standard APY is 0.75%; Chime+ members (qualifying single direct deposit of $200+ or cumulative $400+ in 34 days) earn 3.00% APY; Chime Prime members (qualifying direct deposits of $3,000+ in the preceding 34 days) earn 3.75% APY. Chime advertises "Get Up to 3.75% APY" in the savings landing page title as of 06/2026. All rates variable, effective 04/02/2026; must have $0.01 in savings to earn interest. Automated savings features include Round Ups and Save When I Get Paid. Chime does not support POD beneficiary designations or trust retitling on savings accounts. Provided by The Bancorp Bank, N.A.

Chime Card

Secured Visa credit card that replaced the original Chime Credit Builder card. The deposit you add to the Secured Deposit Account sets the credit limit. No credit check, no interest, no annual fee. Reports payment history to all three major credit bureaus to help build credit; utilization is not reported. Chime+ members earn 2% cash back on a category of choice (with a $1,500 monthly eligible purchase cap); Chime Prime members earn 5% cash back on a category of their choice. Existing Credit Builder cardholders can switch to Chime Card through the app. No POD or TOD beneficiary designation available. Issued by The Bancorp Bank, N.A. or Stride Bank, N.A.