Ally is VaultRubric's pick: it scores 95.0% vs Chime's 72.0% (a 23.0-point lead).
Data as of · Last updated · By VaultRubric Research · How we score · Not investment advice.
Chime and Ally are both popular high-yield savings accounts. Here are the sourced facts side by side, then VaultRubric's equal-weight score with the math shown. Every value links to its source with an as-of date; anything we couldn't verify says not found.
Rates change often — verify on the bank's or broker's site before opening an account. Every value shows its as-of date; ⚑ marks figures from third-party sites. Not financial advice.
Run your own comparison →Opens the tool with these platforms filled in, so you can change the weights.
| Fact | Chime | Ally |
|---|---|---|
| APY (standard) | 1.0% src · 2026-10-06 | 3.1% src · 2026-10-12 |
| APY conditions | Plus: $200 single/$400 cumulative DD; Prime: $3,000+ DD src · 2026-10-06 | not found |
| Promo (not scored) | not found | not found |
| Minimum to earn APY | $0.01 src · 2026-10-06 | $0 src · 2026-10-10 |
| Monthly fee | $0 src · 2026-10-10 | $0 src · 2026-10-10 |
| Deposit insurance | Up to $250,000 src · 2026-10-10 Not a bank; pass-through FDIC via The Bancorp Bank, N.A. and Stride Bank, N.A. (plus program banks for savings) | Up to $250,000 src · 2026-10-10 FDIC; Ally Bank (cert 57803 per third party) |
| FDIC cert | [35444, 4091] (The Bancorp Bank, N.A.; Stride Bank, N.A. (partner banks)) src · 2026-10-10 | 57803 (Ally Bank) src · 2026-10-10 |
| Regulatory actions (5 yrs) | 2024-02-01 California DFPI: $2.5M penalty for unfair, untimely complaint handling (consent order) src 2024-05-07 CFPB: $3.25M penalty + ≥$1.3M redress for delayed refunds on closed accounts src | none found in last 5 yrs src · 2026-10-10 |
| Official page | savings account ↗ | savings account ↗ |
VaultRubric pick: Ally
⚠ Chime: Regulatory: California DFPI: $2.5M penalty for unfair, untimely complaint handling (consent order) (2024-02-01)
⚠ Chime: Active consent order with consumer restitution: CFPB: $3.25M penalty + ≥$1.3M redress for delayed refunds on closed accounts (2024-05-07)
| Criterion (weight) | Ally | Chime |
|---|---|---|
| APY (standard rate) (17%) | 10.0/10 | 3.2/10 |
| Minimum to earn APY (17%) | 10.0/10 | 10.0/10 |
| Fees (17%) | 10.0/10 | 10.0/10 |
| Deposit insurance (17%) | 9.0/10 | 8.0/10 |
| Regulatory record (17%) | 10.0/10 | 6.0/10 |
| Access (ATM/app/support) (17%) | 8.0/10 | 6.0/10 |
| Overall | 95.0% coverage 100% | 72.0% coverage 100% |
0.167×10.0 + 0.167×10.0 + 0.167×10.0 + 0.167×9.0 + 0.167×10.0 + 0.167×8.0 = 9.50 → 95.0%0.167×3.2 + 0.167×10.0 + 0.167×10.0 + 0.167×8.0 + 0.167×6.0 + 0.167×6.0 = 7.20 → 72.0%Opens the tool with these platforms filled in, so you can change the weights.
Facts-only answers: Is Chime a good savings account? · Is Ally a good savings account?
On VaultRubric's equal-weight rubric, Ally scores higher (72.0% for Chime, 95.0% for Ally). Change the weights in the tool to match your priorities.
Standard APY in our data: Chime 1.0% (as of 2026-10-06), Ally 3.1% (as of 2026-10-12). Rates are variable; check each bank's site.
Our data lists: 2024-02-01 California DFPI: $2.5M penalty for unfair, untimely complaint handling (consent order); 2024-05-07 CFPB: $3.25M penalty + ≥$1.3M redress for delayed refunds on closed accounts.
Only from our curated dataset (official pages, regulators, and flagged third-party sites), with fixed formulas shown in “Show math”. No AI or live scraping, so the same comparison always gives the same result. Not financial advice.