Chime® is a new award-winning mobile app designed to help people lead healthier financial lives and automate their savings. With Chime, you get a Chime Visa® Debit Card and an FDIC insured deposit account that can be managed entirely from your smartphone, plus a Savings Account that helps you save money without thinking about it.
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The Chime Visa Debit card is a great way to get paid, while earning interest on your balance. With Visa's Zero-Liability Policy*, no fees*, and a FDIC insured account. Here is our take:
Chime is more than your average, run of the mill online financial service. It's a technologically advanced financial platform that puts its users first.
Here's Chime's mission:
Chime's business was built on the principle of protecting our members and making managing your money easy.
As you learn more about Chime, including its many features, you may come to find that it's the perfect solution to many of your biggest financial challenges.How Much Does Chime Cost?
Chime doesn't charge you, the user, any money. Not a single cent.
Instead, every time you use your Chime debit card, Chime earns a small interchange fee. The money never comes out of your pocket.Key Features
Chime is packed full of high-level features, all of which are designed to make your life easier. Here are some of the best:1. Get Paid Early
If you want to get your paycheck sooner than ever before, Chime has you covered.
With its Get Paid Early feature, you can receive your paycheck via direct deposit up to two ^ days sooner than usual.
Stop waiting for your money to arrive in your bank account. Chime can save you time.2. Fee-Free Overdraft
There's nothing more frustrating than learning that you've overdrawn on your account. Not only does it mean you have a zero balance, but you also owe the bank money. And on top of that, you're likely to get hit with a fee.
Unless you're with Chime, of course.
With its fee-free overdraft feature, known as SpotMe, Chime will lend you up to $100* on debit card purchases with no overdraft fees*.
If you use this feature, Chime will do all the work for you. The next time you make a deposit, Chime will automatically deduct the money you owe. It's that simple.3. Automatic Savings
For many people, the most difficult part of saving money is putting it in a safe place. And that's why Chime's automatic savings feature is such a big hit.
Every time you use your Chime Visa debit card, Chime will round up your transaction amount to the nearest dollar. From there, your savings are transferred into your savings account.
So, the more you use your debit card, the more you'll save. And best yet, you'll never even realize the money is gone.Two Types of Accounts
Spending account: This is similar to a conventional checking account, with the ability to use a debit card to make purchases. In true Chime fashion, there's no monthly fees or maintenance fees.
Savings account: There's a lot to like about Chime's savings account product, including its 2.00 percent 1 annual percentage yield (APY) and automatic savings feature.
Open one or both. The choice is yours.Chime: It's Just What You Need
If you're looking for a new way to bank, Chime could be the answer. From spending to saving to managing your finances, there are plenty of features to get you excited.
With no cost to you, you have nothing to lose. Compare Chime to your current accounts, sign up, and see where it takes you!