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Chime®

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Rating

4.8/5

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Pros

  • SpotMe overdraft protection: Eligible members can overdraft up to $200 on debit purchases with no fees

  • Early direct deposit: Receive paychecks up to 2 days earlier than traditional banks when using direct deposit

  • Round-up savings feature: Automatically rounds up debit purchases to the nearest dollar and transfers the difference to savings

Cons

  • Limited mobile check deposits: Mobile check deposit only available after receiving at least one qualifying direct deposit of $1 or more

  • No physical checkbook: Customers cannot write paper checks directly, though checks can be mailed to payees through the app

  • Cash deposit limitations: Free cash deposits only available at Walgreens, with potential fees at other retailers

image-f68c5eadade457b74ffe9d4d0e486745bbd92365-400x400-webp

Chime®

Logo

Rating

4.8/5
Learn More