Chime

Chime is a financial technology company that provides digital banking services through its partner banks, The Bancorp Bank, N. A., and Stride Bank, N. A.

Its app and website let members manage checking and savings accounts, transfer and deposit money, and access a virtual or physical debit card. Features include fee-free banking with no minimum balance, access to more than 47,000 fee-free ATMs, and eligible overdraft coverage without fees. Members can receive paychecks up to two days early with direct deposit, and may access a portion of their pay early through eligible services.

Chime also offers savings tools such as automatic savings and goal tracking, with an advertised rate of up to 4. 00% APY. Its credit-building products are presented with no credit check to open an account and no interest or annual fees on the Chime Card.

Eligible members can earn cash back on selected everyday spending. Chime additionally provides investing through its app, with options for self-directed investing or an expert-built managed portfolio