![]() ![]() ![]() Everything is handled in your online account on the app or website. ![]() There is also no minimum balance required. You will receive a debit card for free when you open your Chime Checking Account. Chime also offers an optional savings account that is available if you have a checking account. With its emphasis on saving money through its high interest paid and its feeless overdraft 1, you have a great degree of flexibility.Īlso, the Chime Credit Builder Secured Visa Credit Card provides a great opportunity for you to start building that credit score (eligibility requirements apply 2). Chime is a great choice if you are a US resident and you're looking for a simple, safe and cheap way to handle your checking and savings transactions.Īt Chime, the account opening is free, and maintaining your account is also free, with no monthly maintenance fees or minimum fees. It does not have any so-called brick-and-mortar locations, as all business is handled in an online environment. So while it is not a bank, it provides financial services. So, is it an online bank? Well, to be precise, it isn't, but modern jargon might apply the term "online bank" for Chime. It does not have its own banking license but provides its app-based services via FDIC-insured bank partners. Chime is a US fintech (financial technology) company founded in 2013. It is growing rapidly with more than 12 million customers as of 2021. ![]()
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