{"id":258915,"date":"2026-08-21T13:30:21","date_gmt":"2026-08-21T13:30:21","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2026\/08\/21\/chime-prime-a-great-way-to-supercharge-your-direct-deposits-the-points-guy\/"},"modified":"2026-08-21T13:30:21","modified_gmt":"2026-08-21T13:30:21","slug":"chime-prime-a-great-way-to-supercharge-your-direct-deposits-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2026\/08\/21\/chime-prime-a-great-way-to-supercharge-your-direct-deposits-the-points-guy\/","title":{"rendered":"Chime Prime: A great way to supercharge your direct deposits &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>Here at TPG, we often focus on the value you can get from <span><a href=\"https:\/\/thepointsguy.com\/loyalty-programs\/a-guide-to-earning-transferable-points\/\" target=\"_blank\" rel=\"noopener\">travel rewards<\/a><\/span> and cash back. However, maximizing your dollars doesn&#8217;t have to start with a credit card. With the benefits you&#8217;ll receive from Chime Prime, you can start gaining perks from your money the moment it lands in your checking account.<\/p>\n<p>Here&#8217;s what you need to know.<\/p>\n<h2 class=\"jsx-2362441780\">What is Chime Prime?<\/h2>\n<p>Chime Prime is the top of three membership tiers available to those with a Chime checking account. To access Chime Prime, you must have a Chime checking account and have qualifying direct deposits of at least $3,000.<\/p>\n<p>You&#8217;ll gain access to a number of perks once you receive Chime Prime status, including:<\/p>\n<ul>\n<li>5% <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/cash-back-vs-points-and-miles\/\" target=\"_blank\" rel=\"noopener\">cash-back rewards<\/a><\/span> on up to $1,500 in eligible purchases on your Chime Card\u00ae each month<\/li>\n<li>Your first two international ATM fee charges reimbursed each month, provided the ATM isn&#8217;t from a third-party service<\/li>\n<li>Up to $200 in fee-free overdraft with SpotMe<\/li>\n<li>Higher savings APY than other Chime tiers<\/li>\n<li><span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/visa-signature-card-benefits\/\" target=\"_blank\" rel=\"noopener\">Visa Signature benefits<\/a><\/span>, such as access to the Visa Signature Luxury Hotel Collection, GigSky Mobile deals and a Priority Pass Select membership (limited to two free visits per year)<\/li>\n<\/ul>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><\/div><figcaption class=\"jsx-3874346954 figcaption\">XAVIER LORENZO\/GETTY IMAGES<\/figcaption><\/figure>\n<p>A <span><a href=\"https:\/\/thepointsguy.com\/airline\/all-about-priority-pass-program\/\" target=\"_blank\" rel=\"noopener\">Priority Pass Select membership<\/a><\/span> is a perk that&#8217;s especially worth noting, since it&#8217;s very rare to see <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/airport-lounge-access\/\" target=\"_blank\" rel=\"noopener\">lounge access<\/a><\/span> offered via a financial product that isn&#8217;t a credit card. While you won&#8217;t receive unlimited access like you would with a premium credit card, this is a great alternative for lounge access for anyone without one.<\/p>\n<div class=\"EmailSignUp_container__YVxAW tw-border tw-border-gray-2\"><picture class=\"EmailSignUp_graphic__pcgxg tw-relative tw-overflow-hidden tw-opacity-0\"><source media=\"(max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" class=\"md:tw-absolute md:tw-inset-0 md:tw-size-full md:tw-object-cover md:tw-object-center\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__xvcP4\">\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<form class=\"jsx-606422965 newsletter-form\">\n<div class=\"jsx-606422965 EmailCapture_confirmation__AJ4nI EmailCapture_noCheckbox__2BHzb   &#10;          \">\n<div class=\"tw-space-y-4\">\n<p class=\"tw-text-xs-regular !tw-text-gray-5 hover:!tw-text-gray-5 tw-max-w-lg\">By signing up, you will receive newsletters and promotional content and agree to our<!-- --> <a class=\"!tw-text-gray-5 hover:!tw-text-gray-5\" href=\"https:\/\/thepointsguy.com\/terms-of-use\/\" target=\"_blank\" rel=\"noopener\">Terms of Use<\/a> <!-- -->and acknowledge the data practices in our<!-- --> <a class=\"!tw-text-gray-5 hover:!tw-text-gray-5\" href=\"https:\/\/thepointsguy.com\/privacy-policy\/\" target=\"_blank\" rel=\"noopener\">Privacy Policy<\/a>. You may unsubscribe at any time.<\/p>\n<\/div>\n<\/div>\n<\/form>\n<\/div>\n<\/div>\n<h2 class=\"jsx-2362441780\">How to become a Chime Prime member<\/h2>\n<p>Fortunately, it&#8217;s very easy to become part of Chime Prime. There are no fees to participate. The only requirement is that you receive at least $3,000 in qualifying direct deposits to your Chime checking account at least once every 34 days.<\/p>\n<p>This should be easy for most professionals, even those early in their careers. That makes Chime Prime a great way for beginners to earn rewards on their purchases and enjoy some extra perks.<\/p>\n<figure class=\"jsx-3874346954 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-2453190082 full-width-auto-height-image\"><img alt=\"Woman writing notes at computer\" loading=\"lazy\" width=\"1600\" height=\"1067\" decoding=\"async\" data-nimg=\"1\" style=\"color:transparent;height:auto;width:100%\" sizes=\"auto, (max-width: 1024px) 100vw, 756px\" srcset=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=640 640w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=750 750w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=828 828w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=1080 1080w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=1200 1200w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=1920 1920w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=2048 2048w, https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=3840 3840w\" src=\"https:\/\/runway-media-production.global.ssl.fastly.net\/us\/originals\/2023\/08\/Woman-at-kitchen-table-writing-notes-while-on-computer_Halfpoint-Images.jpg?width=3840\"\/><\/div><figcaption class=\"jsx-3874346954 figcaption\">HALFPOINT IMAGES\/GETTY IMAGES<\/figcaption><\/figure>\n<p>Chime Prime won&#8217;t <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/new-years-resolution-improve-credit\/\" target=\"_blank\" rel=\"noopener\">build your credit score<\/a><\/span>, so I still recommend pairing it with a credit card if you don&#8217;t already have one.<\/p>\n<h2 class=\"jsx-2362441780\">Is Chime Prime worth it?<\/h2>\n<p>If you&#8217;re looking for a checking account that offers cash-back rewards and extra perks, Chime Prime is definitely worth looking into. That&#8217;s especially true if you don&#8217;t currently have a <span><a href=\"https:\/\/thepointsguy.com\/credit-cards\/rewards\/\" target=\"_blank\" rel=\"noopener\">credit card that earns rewards<\/a><\/span> or you&#8217;re looking for a low-cost way to gain lounge access.<\/p>\n<p>Just remember that you need to make at least $3,000 in qualifying deposits every 34 days to maintain Chime Prime. If you fall below that amount, you will drop to a lower Chime tier. You can regain your Chime Prime status once your direct deposits reach that $3,000 minimum again.<\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>Chime Prime is a unique financial product that lets you supercharge your checking account without paying a subscription fee. It&#8217;s especially great for anyone who isn&#8217;t into travel rewards or who doesn&#8217;t yet qualify for a premium credit card.<\/p>\n<p>If you&#8217;re interested in giving Chime Prime a try, open a Chime checking account and set up qualifying direct deposits of $3,000 or more. Make sure you maintain those direct deposits to stay in Chime Prime.<\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/credit-cards\/chime-prime-a-great-way-to-supercharge-your-direct-deposits\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Here at TPG, we often focus on the value you can get from travel rewards and cash back. However, maximizing your dollars doesn&#8217;t have to start with a credit card. With the benefits you&#8217;ll receive from Chime Prime, you can start gaining perks from your money the moment it lands in your checking account. Here&#8217;s [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":258916,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-258915","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/258915","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=258915"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/258915\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/258916"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=258915"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=258915"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=258915"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}