Deposits · August 2026
Chime publishes its savings rates but blocks its main marketing site
An AI agent ran five ordinary deposits tasks on the public pages of Chime and scored what each page delivered.
Run 6 August 2026 · five tasks · public pages, logged out · Fintech
56/100
Mystery Agent score
Deposits · rank 17 of 25
Savings rate
93Served as text
Checking comparison
82Partly served
Fee schedule
65Partly served
Routing number
15Arrives after scripts
Application page
24Partly served
Summary
- Chime's help center states its tiered savings rates, 0.75%, 2.75%, and 3.75% APY, as plain readable text.
- Chime's fee page states that checking carries no minimum balance or fee, then names two remaining charges in exact dollars and percent.
- An AI agent found a genuine signup form at member.chime.com, with a three-step progress label and real name and email fields present.
- Publishing the routing number on a public page instead of the app or a login would close the clearest opportunity.
Chime also appears in the Credit Cards study, where it scores 52 and ranks 21 of 25.
See that scorecard.
Task by task
Each task is scored out of 100 on completion, answer quality and how directly the answer was reached. Each note describes what the page delivered, with a link to the page the answer was found on.
Task 01Savings rateServed as text93 out of 100
A help center article states that Chime Prime members earn 3.75% APY on savings, Plus members earn 2.75%, and base members earn 0.75%, explaining that interest is added to the balance every day.
Task 02Checking comparisonPartly served82 out of 100
Chime sells one checking account reached through three membership tiers rather than two separate products, and the help center states that all three carry no fee, differing instead in overdraft limits, cash back, and savings rate.
Task 03Fee schedulePartly served65 out of 100
A fee philosophy article states plainly that the checking account carries no minimum balance, no fee, and no overdraft charge, then names two remaining charges, a cash withdrawal fee and an instant transfer fee, in exact figures.
Task 04Routing numberArrives after scripts15 out of 100
A help article on the exact topic of finding account and routing numbers explains that both appear inside the mobile app or after logging in on the website, with no digits printed on the article itself.
Task 05Application pagePartly served24 out of 100
The signup page shows a three-step progress label, Basic Info, Verification, and You're In, along with real first name, last name, and email fields, though it stops short of naming SSN or ID requirements on this first screen.
Chime Prime members earn 3.75% APY on savings, Chime Plus members earn 2.75%, and Chime members earn 0.75%.
The application page
What the account opening page states to a reader that runs no scripts.
53,308Bytes delivered
245Characters of visible text
8Form fields in the first response
After scripts runWhat an applicant needs
Strengths and opportunities
What is working
- Chime publishes its full tiered savings APY (Chime, Chime Plus, Chime Prime) as plain readable text on its help center, along with how the variable rate is set and that interest is added daily.
- The fee philosophy page states plainly, in text, that the checking account carries no monthly fee, no minimum balance, and no overdraft fee, and names its two remaining charges in exact dollars and percent.
- The account-opening application page is a real, readable HTML form with three named visible steps and genuine input fields, not a blank or script-only canvas.
- The help.chime.com and member.chime.com subdomains stayed fully open to a plain agent fetch even while the main marketing domain did not, showing the account information itself was not hidden by design.
Opportunities
- Publish the routing number on a public page, the way many banks list it on an open FAQ, instead of gating it entirely behind app or account login.
- Let www.chime.com serve its marketing, product, and legal pages to a plain browser-style agent instead of returning the same Cloudflare block page across the whole apex domain, including robots.txt and llms.txt.
- Publish one consolidated fee schedule, covering checking and savings together, rather than leaving readers to piece it together from a single FAQ article.
- Name the identity verification requirements, such as SSN and government ID, directly on the signup application page rather than only implying them through a 'Verification' step label.
Access
Every page the agent requested was delivered on the first attempt. Publishing an llms.txt file would give agent traffic a documented entry point.
Back to the deposits leaderboard · Read the report · How the study works
