Chime is ramping up its offerings ahead of its public debut by providing an attractive 3.75% APY for customers who set up direct deposit into their accounts. This rate significantly surpasses the national average of 0.61% APY. The digital bank, which has 7 million customers, aims to enhance customer retention with new features like a redesigned app and cashback offers. Chime, valued at $25 billion, has raised $2.65 billion from notable investors. Its latest enhancements reflect a broader trend in fintech, where companies are innovating to attract users.