Get a $750 Welcome Deposit for eligible new customers who open an 
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Chime is a growing leader in the Mobile Banking sector, providing a Spending Account (a.k.a. Checking) and Savings Account that you manage via their highly rated app, available on iOS and Android devices.
*Simple Bank is another mobile banking leader worth comparing to (bonus offer available).
With Chime, there are no monthly fees, no minimum balance fees, no overdraft fees and no foreign transaction fees. All these savings come at the sacrifice of physical, in-branch service available with traditional bank accounts.
Rather than making a profit from charging fees to customers, Chime makes money from the Visa transaction fees paid by merchants.
No Bank Fees With Chime
Chime states the average household in the U.S. pays more than $329 in bank fees each year, with the big banks bringing in more than 6 billion dollars in just overdraft fees alone in 2017.
Chime Vs. Typical Traditional Bank Accounts
| Chime | Typical Fees Of Big Banks | |
| Overdraft Fees | $0 | $38 per overdraft |
| Minimum Balance Fees | $0 | $6-$15 per policy violation |
| Monthly Maintenance Fees | $0 | $12-$23 per month |
| ACH Transfer Fees | $0 | $3-$10 per transfer |
| Account Closing Fees | $0 | $25 per policy violation |
| Card Replacement Fees | $0 | $5-$25 per replacement |
| ATM Fees | $0 | $0-2.50 per transaction |
| Foreign Transaction Fees | $0 | 3% per transaction |
| Out of Network ATM Fees | $2.50 (per out of network transaction) | $0-$2.50 per transaction |
*Note: Chime accounts have access to over 30,000 fee-free ATMs in the MoneyPass network.
Chime Top Features
*Chime on iOS | Chime on Anroid
- Spending Account: This is basically your Checking account, where you make deposits and manage all your expenses.
- Chime Visa Debit Card – use your Chime card for bills and purchases everywhere Visa is accepted.
- Direct Debit – pay bills electronically using the routing and your Chime account number.
- Fee-Free ATMs – more than 30,000 fee-free ATMs at MoneyPass locations and over 30,000 cash back locations. Locate these ATMs using the Chime app or at chimecard.com/atms.
- Direct Deposit – you can fund your account with direct deposit and receive your paycheck up to 2 days early.
- Bank Transfer – link your current bank account and move existing funds into your Chime account for free.
- Deposit Checks – you can deposit checks using a third-party app. They are working on Photo check deposit, which will be available soon.
- Deposit Cash – you can make cash deposits into your Chime account at any Green Dot location. Note: these locations may charge a fee for this service.
- Chime Checkbook – you won’t have physical checks to write and send off. Instead, Chime will send off a check in the mail for you.
- Pay Friends – you’re able to instantly send money to other Chime users, convenient for occasions such as when you split a dinner bill.
- Real-time Alerts & Notifications – receive daily balance notifications and real-time transaction alerts to your smartphone.
- Block Card – if you lose or misplace your Chime debit card, you can block its usage via the Chime app or with your online account.
- Apple Pay, Android Pay, Samsung Pay – use your Chime account with any of these services to make mobile payments.
- Savings Account: Makes saving money easy with features you can opt in for. *Unfortunately, the rates are so low they’re not even worth mentioning. If you’re looking to keep money in a Savings account to earn interest, compare Savings rates here.
- Automatic Savings – every time you make a Chime card transaction, they will round up the amount and send it from your Spending to your Savings Account. You can also opt in to automatically have 10% of every paycheck transferred to your Savings Account.
- Security: Chime accounts are insured through The Bancorp Bank, member FDIC. Security features include the Visa Zero Liability Policy, bank-level security, encryption, two-factor authentication, instant transaction alerts, and temporary card blocking.
MoneysMyLife Top Offer Picks  Earn a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase SavingsSM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days. Apply for both offers and get a $350 total bonus. Full Review Get $300 when you open a new Chase Premier Plus CheckingSM account and set up direct deposit. This account has more features than the Chase Total Checking® and the monthly service fee can be waived with a few different requirement options. A $300 Checking bonus is one of the best offers from Chase Bank. Full Review Earn $200 when you open a new Chase Total Business Checking® account, deposit $1,000 in new money within 10 business days of account opening, maintain that balance for 60 days and complete five qualifying transactions within 60 days. This is the most popular Business Checking offer.Full Review |
Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. 
Get a $750 Welcome Deposit for eligible new customers who open an 
Earn 75,000 miles each year (worth $750) if you spend $25,000 on purchases with the Barclays Arrival® Premier World Elite Mastercard®. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. 
The HSBC Cash Rewards Mastercard® has a sign-up bonus of $150 when you spend at least $500 on purchases within the first 3 months of account opening. This credit card will also earn an ongoing 1.5% cash rewards rate on all purchases and has no foreign transaction fees. There is no annual fee with this card. 
CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. 
Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. 
Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. More Offers You May Like
Great bank offers can be found at our Bank Promotions Page, including top offers from Wells Fargo, Chase Bank, TD Bank, Regions and many more.
- CIT Bank Promotions: Online Money Market Account 1.85% APY Offer
- Chase Total Checking Account Bonus: $200 Coupon Available Online
- Chase Bank Business Checking Promotion: $200 Sign-Up Cash Bonus
- Chase Premier Plus Checking℠ Bonus: $300 Coupon Offer
- Chase Coupon Promo Codes: $200, $300, $350, $500 – May 2018
- HSBC Bank Promotions: $200, $350, $750 Checking Account Bonuses
- TD Bank Promotions: $300 & $150 Checking Account Bonuses
- BBVA Compass Bank Promotions: $150, $200, $250 Checking/Savings Bonuses
- Regions Bank Promotions: $200 Checking Account Bonus
- Simple Bank Review & Bonus Offer: Unlimited $20 Referrals
*These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.