Open the Chime app or website to reach your savings account
Your Chime savings account lives inside the Chime mobile app or at chime.com. Log in with the phone number and password you set up when you created your account. Once you're logged in, your savings account appears as a separate tab or section — usually labeled "Savings" — alongside your checking account. You can view your balance, transaction history, and transfer money between your checking and savings in seconds.
If you've forgotten your password, tap "Forgot password?" on the login screen. Chime will send a reset link to the phone number or email address associated with your account. Follow the link, create a new password, and log back in.
You can also access your account through a web browser on any computer. The process is identical: go to chime.com, enter your credentials, and navigate to the Savings section. Some people prefer the app for quick checks; others use the website when they need a larger screen to review statements or set up automatic transfers.
Key Takeaways
- Log into the Chime app or chime.com using your phone number and password to see your savings account balance and history.
- Your savings account appears as a separate section within your Chime account, distinct from your checking account.
- You can transfer money between your Chime checking and savings accounts instantly through the app or website.
- If you forget your password, use the "Forgot password?" link to reset it via the phone number or email on file.
- The mobile app and website show the same account information, so you can use whichever is more convenient.
What you see when you open your savings account
Once you tap or click into your savings account, you'll see your current balance at the top of the screen. Below that is a transaction list showing deposits, withdrawals, and transfers, with dates and amounts. Each transaction can be tapped for more detail — the merchant name, the exact time it posted, and whether it's still pending or has cleared.
You'll also see any interest earned on your balance. Chime savings accounts earn a small amount of interest, and the app shows how much you've earned in the current month and year to date. This amount varies based on your balance and Chime's current rate, which can change.
At the bottom or in a menu, you'll find options to transfer money out of savings, set up automatic transfers, or view statements. Some versions of the app also show a savings goal tracker if you've set one up — a way to mark how much you're trying to save and watch your progress.
Moving money in and out of your savings account
To transfer money from your Chime checking account into savings, open the app, go to your savings account, and look for a "Transfer" or "Move Money" button. Tap it, choose "From Checking to Savings," enter the amount, and confirm. The transfer happens instantly — you don't have to wait for it to clear.
To move money the other direction (from savings back to checking), follow the same steps but select "From Savings to Checking." Again, it's immediate. You can make as many transfers as you want between your two Chime accounts with no fees or limits.
You can also set up automatic transfers. For example, you might have Chime move $50 from checking to savings every payday. Go to your savings account settings, find "Automatic Transfers" or "Recurring Transfers," and choose the amount and frequency. This is useful if you want to build savings without thinking about it each time you get paid.
Depositing money directly into savings
If you want to deposit a paycheck or other income straight into your savings account instead of checking, you can change your direct deposit settings. In the Chime app, go to Settings, find "Direct Deposit," and look for your routing number and account number. Your savings account has its own account number, separate from your checking account.
Give your employer or the organization sending the deposit your Chime routing number and your savings account number. From then on, that deposit will land in savings instead of checking. You can set up multiple direct deposits to different accounts — for example, most of your paycheck to checking and a portion to savings.
If you need to change it back or split a deposit between accounts, return to the Direct Deposit settings and update the account number. The change usually takes one or two pay periods to take effect, depending on when your employer processes payroll.
Troubleshooting login and access problems
If you can't log in, first check that you're using the correct phone number. Chime accounts are tied to the phone number you registered with, not an email address (though you can add an email to your account for password resets). Try logging in again with that number.
If you're still locked out, tap "Forgot password?" and follow the reset process. Chime will send a link to your phone via text or to an email address on file. If you don't receive the message, check your spam folder or wait a few minutes — sometimes the text takes a moment to arrive.
If the app won't load or keeps crashing, try closing it completely and reopening it. If that doesn't work, uninstall and reinstall the app from your phone's app store. This usually fixes glitches caused by outdated versions or corrupted files. Your account data is stored on Chime's servers, so reinstalling the app won't erase anything.
If you're still having trouble after these steps, contact Chime support through the app. Tap the profile icon, scroll to "Help," and choose "Contact Support." You can message a representative or call the number listed. Chime's support team can verify your identity and help you regain access.
Protecting your savings account from fraud
Your Chime account is protected by encryption, which means your login credentials and account information are scrambled in transit. Always log in through the official Chime app or chime.com — never through a link in an email or text message, even if it looks like it's from Chime. Scammers often send fake messages that look real but direct you to a fake login page.
Enable biometric login (fingerprint or face recognition) in your app settings if your phone supports it. This adds a second layer of security: even if someone learns your password, they can't access your account without your fingerprint or face. You can also set up a PIN as an alternative.
Review your transaction history regularly. If you see a transfer or purchase you didn't make, report it to Chime immediately through the app or by calling support. Chime covers unauthorized transactions, but you need to report them quickly — usually within 60 days of the transaction posting.
Frequently Asked Questions
Can I have multiple savings accounts with Chime?
No, Chime currently offers one savings account per customer. You have one checking account and one savings account linked together. If you need to separate savings for different goals, you can use the savings goal feature within your one savings account to track multiple targets.
What happens if I forget my login password?
Tap "Forgot password?" on the Chime login screen. Chime will send a reset link to your phone number via text or to an email address you've added to your account. Click the link, create a new password, and log back in. If you don't receive the message, check your spam folder or wait a few minutes.
Is my savings account insured if something happens to Chime?
Yes. Chime is a financial technology company, but your deposits are held at partner banks that are FDIC-insured. This means balances up to $250,000 are protected by federal insurance if the bank fails. Your savings account is covered separately from your checking account, so you have up to $250,000 protection in each.
Can I withdraw money from my savings account at an ATM?
No, your Chime savings account doesn't have a debit card. You can only withdraw money by transferring it to your checking account first, then using your checking debit card at an ATM or in a store. Transfers between your accounts are instant, so this takes only a few seconds through the app.
How do I close my savings account?
You can't close just your savings account — Chime treats checking and savings as one account. If you want to close your Chime account entirely, go to Settings, find "Account," and look for "Close Account." Chime will walk you through the process and ask where to send any remaining balance. You'll need to close both accounts together.