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Chime Review
A lot of banks offer a full slate of account options, with various bells and whistles that can make it hard to determine the best fit for your needs. Instead of overloading you with options, Chime keeps it simple with one checking account, one savings account and one secured credit card, all tied up with an attractive mobile app.
This review provides an overview of Chime’s personal banking products. It’s important to note that Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC.
What we’re watching: As reported by ProPublica in July 2021, recently there have been numerous complaints from Chime consumers regarding sudden account closures. In more than 900 complaints filed with the CFPB since April 15, 2020, customers have reported being denied access to funds in Chime accounts. A Chime statement said that these issues were caused by Chime’s heightened anti-fraud efforts during the Covid-19 pandemic.
Here are the facts you should know about Chime and how its services compare to your other banking options. Account details and annual percentage yields (APYs) are accurate as of August 26, 2021.
Account Basics
Chime Spending Account
Chime’s checking account, known as a Spending Account, prides itself on its lack of fees. It charges no monthly account fees and doesn’t require a minimum balance.
Chime offers a program that accelerates your direct deposits, making them available up to two days early. Once you establish direct deposit into your Spending Account, you’re eligible and can choose to receive your payment up to two days early, as soon as your employer deposits it.
If you receive direct deposits of at least $200 each month, you can enroll in Chime’s SpotMe service. This optional service initially allows you to overdraw your account by up to $20 on debit card purchases without a fee. Chime can increase your SpotMe allowance to up to $200 or more at its discretion based on your account history, direct deposit amounts and frequency, spending activity and other factors. You can check your SpotMe limit in the mobile app. SpotMe does not cover non-debit card transactions.
Need to send a paper check? You can generate one from the Chime mobile app and Chime will send it in the mail for you.
Chime Savings Account
Chime’s high-yield Savings Account offers an 0.50% APY. It doesn’t charge monthly fees or require a minimum balance. There is no cap on the amount of interest you can earn and, as long as you have at least a penny in your account, you’ll earn interest. Citi credit card login payment billdesk is no minimum deposit to open an account, but you must have a Chime Spending Account in order to open a Chime Savings Account.
Chime has two optional programs to make saving money easier.
The Save When You Spend feature allows you to save small amounts when you make purchases. Whenever you use your Chime debit card, Chime rounds the transaction up to the nearest dollar and transfers the difference to your Savings Account. Spend $25.50 at the grocery store? You’ll pay the store for that amount from your debit card, and Chime will move 50 cents from your Spending Account to your Savings Account. It may not seem like much, but if you make a lot of debit purchases, you could see your savings accumulate.
Chime also offers a Save When You Get Paid feature that allows you to set up a recurring transfer of 10% of your direct deposit paycheck of $500 or more from your Spending Account to your Savings Account each time you get paid.
Other Accounts and Services
Chime offers the Chime Credit Builder Card* that’s available without a credit check. If you’re working to build your credit history, you can add money from your Chime Spending Account to your Credit Builder account to spend on your Chime Visa credit card. Chime reports your payments to all three major credit bureaus. The Credit Builder secured card is unusual in that it charges a 0% APR.
You can make free mobile payments to family and friends—whether they are Chime members or not—through Chime’s Pay Anyone peer-to-peer system. There’s a monthly limit of $2,000.
Access on the Go
Since Chime is designed to be used primarily through its mobile app, it offers plenty of features to make mobile banking convenient. Chime is known for its mobile app, which is rated 4.8 out of 5 stars at the App Store and 4.6 out of 5 at Google Play.
The Chime app sends daily account balance notifications and transaction alerts when you make a purchase. You can disable transactions from the Chime app, saving yourself a customer service call if you misplace your card. You can also choose to disable international transactions via the app.
Your Chime debit card works anywhere Visa is accepted, and you can add it to your Apple Pay or Google Pay mobile wallet. You also have access to more than 60,000 MoneyPass, Allpoint and Visa Plus Alliance ATMs. You can check the Chime app to help you avoid incurring out-of-network ATM fees.
If you want to deposit a check to your Chime Spending Account, you can do so via mobile deposit on the Chime app.
If you lose your Chime debit card, you can disable transactions from within the Chime app. Replacement debit cards are free and can be requested in the Chime app.
Pros
- Simple lineup of free account options
- Very competitive savings APY
- Automated savings tools to help improve your habits
- Early receipt of direct deposit payments
Cons
- No branches for in-person service
- Recent customer complaints regarding access to Chime accounts and funds
How Chime Stacks Up
If you’re looking for a full suite of banking services, Chime may not be the best fit for you. But if you’re just getting started on your financial journey and want a user-friendly set of financial tools, facilitated by a multipurpose app, Chime covers the basics well. Its automated savings tools are particularly attractive for customers who want to boost their emergency fund or save for another goal.
A Note on Chime Products
Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC.
Frequently Asked Questions (FAQs)
All Chime accounts are FDIC insured up to the standard maximum $250,000 per depositor, for each ownership category, in the event of a bank failure, through its partner banks, Stride Bank, N.A. (FDIC# 4091) or The Bancorp Bank (FDIC# 35444).
What happens if someone steals my Chime debit card or makes unauthorized purchases?
Chime debit cards are protected by Visa’s Zero Liability Policy, so you won’t be responsible for purchases made if your card information is stolen.
What is required to open a Chime account?
You need to provide your Social Security number, home address and be a U.S. citizen or resident. You must be at least 18 years old.
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Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.
While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you chime bank online access freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.
By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.
1 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
2 Get fee-free transactions at any MoneyPass ATM in a 7-Eleven location or at any Allpoint or Visa Plus Alliance ATM. Otherwise, out-of-network ATM withdrawal fees may apply.
iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.
Apple Pay is a trademark of Apple Inc.
Google Pay and Android are trademarks of Google LLC.
© 2013-2021 Chime. All Rights Reserved.
Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.
While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.
By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.
1 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See Terms and Conditions.
2 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
3 To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $200 or more to your Spending Account within the last 365 days of your application. The qualifying direct deposit must have been made by your employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Bank ACH transfers, Pay Most notorious outlaws of the old west transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, and cash loads or deposits are not qualifying direct deposits.
4 Out-of-network ATM withdrawal fees apply except at MoneyPass ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM. Other fees such as third-party and cash deposit fees may apply.
5 Based on a representative study conducted by TransUnion®, members who started using Chime Credit Builder in September 2019 observed a median credit score (VantageScore walmart pharmacy rogers ave fort smith ar increase of 30 points by January 2020. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
6 Sometimes instant transfers can be delayed. The recipient must use a valid debit card to claim funds. Once you are approved for a Chime Spending Account, see your issuing bank’s Deposit Account Agreement for full Pay Friends Transfers details. Please see the back of your Chime debit card for your issuing bank.See Terms and Conditions
7 The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of November 1, 2021. No minimum balance required. Must have $0.01 in savings to earn interest.
© 2013-2021 Chime. All Rights Reserved.
All features may not be available. To see the features available to you, please log in to the Money Network Mobile App and view your navigation menu, or log into your Account online and view your dashboard.
© Money Network Financial, LLC. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Money Network® Checks and Money Network® Cards are issued by MetaBank®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc and by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Money Network Card is accepted everywhere Visa debit cards are accepted.
Google Play and the Google Play logo are trademarks of Google LLC. Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store north dallas food bank donation a service chime bank online access mark of Apple Inc.
* Funds will be FDIC insured subject to applicable limitations and restrictions of such insurance. Card must be registered to the name of the primary cardholder. See your Account Holder agreement for additional information.
** Visa's Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or click here to learn more.
*** Under Mastercard’s Zero Liability Policy, your liability for unauthorized transactions on your Card Account is $0.00 if you notify us promptly upon becoming aware of chime bank online access loss or theft, and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. These provisions limiting your liability do not apply to debit transactions not processed by Mastercard or to unregistered cards.
1 Certain transaction and service fees and costs may be associated with the use of this feature. See your Fee and Transaction Limit Schedule for more details.
2 Standard message and data rates apply.
3 fcb online banking login access to funds is based on a comparison of our electronic direct deposit policy for ACH deposits versus traditional electronic banking practices and the deposit of paper checks. Direct deposit and faster availability of funds are subject to the payer’s support of the feature and timing of payer’s funding.
4 An Account upgrade may be necessary. If so, we will need to verify your identity and a new fee schedule with different and/or additional fees will apply to your Account. See your Money Network Service Account Holder Agreement or call the number on back of your Card for more information.
5 If you are successfully enrolled in the Ingo™ Money Service (Ingo Money) through the Money Network Mobile App, you can use Ingo Money to load an approved check into your Money Network account net of any applicable Ingo Fees. Unapproved checks will not be loaded into your account. The Ingo Money service is provided by First Century Bank, N.A. and Ingo Money, Inc (Ingo). Use of Ingo Money is subject to the Ingo Money Service Terms and Conditions and Privacy Policy of Ingo and First Century Bank. Checks are subject to approval for funding in Ingo’s sole discretion; dollar limits and other restrictions apply. Ingo reserves the right to recover losses resulting from illegal or fraudulent use of Ingo Money. Money in Minutes: Ingo Fees are 1% of approved check amount for preprinted payroll & government checks; 4% of approved check amount for other check types; $5 minimum. Approval process usually takes 3-5 minutes, but may take an hour. Most issuers post funds chime bank online access 24 hours. Money in 10 Days: No fee for 10 days delayed funding.
6 Surcharge-free Check cashing is exclusively for Money Network® Checks.
7 Fee may be assessed by reload location and may vary from location to location.
8 Fast access to your tax refund payout is based on comparison of paper check versus electronic direct deposit.
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Welcome to Stride Bank, N.A.

Local Relationships. Global Possibilities.
About Us
Home Loans
Home ownership is a major driver of economic activity and, in many cases, is the most significant investment you will make. Stride Bank has been providing home financing solutions for over 100 years.
Learn More
Trucking & Heavy Equipment
Without the vehicles you need, chime bank online access business is bound to stall out. Stride Bank has more than 25 years’ experience in meeting the needs of trucking companies and businesses in the construction and excavating sectors. Our Transportation Loans can’t be beat.
Learn more
Commercial Real Estate
We at Stride Bank understand the specific investment objectives and unique borrowing needs of property owners. Our Commercial and Real Estate Loans put out the welcome mat for your business goals.
Learn More
Healthcare Banking
Change is constant in our world. Nowhere is the pace of change more evident than in medical and healthcare regulations and market conditions. At Stride Bank, our Healthcare Lending Team has more than 20 years of experience in prescribing solutions to help you achieve the best financial outcomes.
Learn More
Farm Loans
Whether you are a fifth generation Oklahoma Farmer or Rancher or just getting started, Stride Bank has loan and deposit products to help you produce success in the field. Our Agriculture Lenders understand your business because they are Agriculture Producers too.
Learn More
Commercial & Industrial Loans
We make it our business to know your business. For over 100 years, Stride Bank has helped local businesses grow and achieve their financial objectives. Our custom-tailored solutions reflect our understanding that each company has unique needs and circumstances. Let one of Stride Bank's Commercial Lending experts help you take the next step in growing your business.
Learn MoreStride Pay

Introducing the quicker way to pay. Click, Click, Pay!
Learn More- Free online account
- Early paycheck
- Zero ATM fees at Allpoint
- Price protection
- Rewards on spending
- $250 fee-free overdraft
- $19.99 /mo Credit Builder Plus
- $1,000 Credit Builder loan
- ETFs investing
MoneyLion is a digital banking platform founded in 2013 that’s been offering financial subscriptions and memberships since 2018.
This Chime alternative offers banking, personal finance, and investment services for a monthly subscription fee, leading many to refer americas next top model where are they now it as the ‘Netflix of finance.’ It really is an all-in-one mobile banking.
They have almost no fees, apart from the $1 monthly admin fee and a $2.50+ fee for out-of-network ATMs. The good news is, there are more than 55,000 free Allpoint ATMs that you can use.
If you decide to make regular direct deposits, you can get paid early and get access to up to $1,000 0% APR cash advances every direct deposit period.
MoneyLion will also be launching a flexible payment plan and crypto investing. For now, you can make use of their fully managed portfolios and auto investing, all with no management fees or minimums.
They help you choose an investment strategy that suits your needs and supports your goals. The portfolio can be as aggressive or as conservative as you’d like.
You can take even more control over your portfolio by adding thematic sets of ETFs aligned to specific topics like technology innovation and social responsibility. You can turn your weekly $20 investment into a $1,000 at the end chime bank online access the year cycle.
If you want to know exactly where your money is going, MoneyLion has built a so-called personal finance monitor. An easy way to track your financial picture and reduce your financial stress.
When you check your Financial Heartbeat that’s available in-app, you’ll see a heart that pulses and changes colors to reflect your progress. A real-time score from 1 to 10 will let you know what your financial health is like. This makes personal financial planning more accessible and attainable.
And lastly, you can also earn cashback rewards by spending money with your MoneyLion Mastercard. There is a twist, though. The cashback gets added to a fully managed investment account, where you can withdraw it or let it grow.
Check out our full MoneyLion review here.
Current
- Free online signup
- 30-day trial
- Fast Direct Deposit
- Free overdraft $100
- Points and cashback
- Instant Current transfers
- Cash deposits at 60,000 stores
- Free ATM withdrawals
- Gas hold refunds
- Mobile check deposit
- Teen Banking
This next digital bank on our list is a fine alternative to Chime as well. Founded in 2015, its black Visa debit card has been sweeping through social media in the hands of every influencer known to man.
All kidding aside, Current offers a reliable checking account service designed to add speed and ease to the banking experience while also allowing customers to manage their money more closely.
Current has a good few things working in its favor. They have a free account and a Premium account that has a monthly fee of $4.99. The Premium account will get you that recognizable black card and costco near san jose ca to early direct deposits. You also get 3 savings pots instead of just one.
Current Premium also allows you to overdraft up to $100 with no overdraft fees when you receive a qualifying direct deposit and enable Overdrive. The only caveat is that you need to receive paychecks via direct deposit of at least $500/m.
The most interesting feature that Current is offering is instant gas hold removal. I know that this authorization by gas stations can be annoying and can sometimes take up to 72 hours to be removed. But I didn’t think it’s so problematic that it would be a selling point for digital banks.
Current’s Teen banking account costs $36 per year and gives parents complete control and visibility into their kids’ spending habits. It also gives teens financial freedom and teaches them responsibility.
If you want to engage your teens into doing more chores at home, there’s the chores feature that allows you to set up a list of tasks for them to complete each week. You are in complete control of the payout that they get for successfully or unsuccessfully completing the chores.
Parents get instant notifications for all purchases and can set spending limits, block specific merchants, and pause or replace the card.
Apart from monthly account fees for Premium ($4.99/m) and Teen ($36/y) accounts, there are no notable fees to speak of. In-network ATM withdrawals are free; there are no bank transfer or Current to Current transfer fees, no overdraft fees, and no minimum balance fees.
Read our full Current review here.
Cash App

- No monthly santander atm machines near me transaction fees
- No foreign used manufactured homes for sale in missouri fees
- Free debit card
- Stock trading
- Bitcoin trading
Cash app (before Square Cash) is an extremely popular peer-to-peer mobile payments service that is available in the US and the UK. It was launched in 2013 by Square Inc. and has an incredible 36+ million users, with 7 million owning their debit cards for payments as well.
It offers a relatively simple bank account with basically no fees and the ability to receive direct deposits such as paychecks, and even tax returns up to two days early.
One thing that Chime is missing and that Cash App has is a simple way to buy and sell Bitcoin. In three taps you can have this highly sought cryptocurrency in your account. The same is true for buying stocks. As you’re buying fractions of stocks, you don’t have to be rich to invest in them. In fact, you can invest as little as $1!
For people that love collecting and using coupons at checkouts, there’s good news! Cash App offers plenty of their so-called Cash Boosts. Discount codes that you can only use with your cash app card at supported restaurants, cafes, and shops.
Boosts have minimum purchase amounts and maximum discount amounts. And you can only have one cash boost active at a time. But you can swap them easily at any time.
Cash App is a good app for non-demanding users that want to send or receive money quickly. Its additional features like stock and Bitcoin trading only add more value for Cash App’s users.
The huge number of users that the app has accumulated has also attracted plenty of scammers, so you must be vigilant when using it. If you want to read more about common Cash App scams, chime bank online access our article.
The Cash App is a great tool to transfer or receive money, without fees, from people you know, first of all. It should not be viewed as a bank account, and you shouldn’t let your money, or at least, a great deal of money, sit on it.
We like that you can invest in stocks and Bitcoin with little or no fees and that you can spend Bitcoin online or in-store with your free Cash App card.
Make sure to check out our full Cash App review here.
OnJuno
- APY of 1.20%
- 5% cashback on up to $3,000 a year
- 85,000 free ATM’s across the nation
- Instant virtual or black metal card
- Up to 3 free withdrawals per month on out of network ATMs
- FDIC insured for up to $250,000 through Evolve Bank & Trust
- Interest compounded monthly and paid monthly
OnJuno is nyc public school holidays 2020 digital banking platform that is FDIC-backed and offers an annual percentage yield of 1.20% on balances of up to $50,000 on their Metal account and 5% cash back on up to $3,000 a year.
It has two different checking accounts. One is called Basic and is free, and the other one is called Metal because you get a sleek black metal Mastercard if you set up a $500/m direct debit.
The Basic OnJuno account already looks interesting, but the Metal account has even better perks, including a cool-looking black metal Mastercard branded debit card. Which, of course, comes with Mastercard’s Zero Liability policy that will protect you if someone makes unauthorized transactions.
The main difference between these two digital banking accounts though is the fact that APY stays at the 1.20 percent mark up to $5k and $50k, respectively. That is an outstanding percentage for these kinds of accounts.
Nevertheless, even when APY falls to only 0.25%, that’s still much much better than chime bank online access national APY interest rate on savings accounts of meager 0.04%, according to the Federal Deposit Insurance Corporation.
OnJuno is specially marketed towards immigrants and international professionals. Opening an OnJuno account doesn’t affect your credit score, it can be done fast with only your SSN and passport without visiting a branch, and you can deposit your first paycheck remotely from your phone.
Another great feature are cheap money transfers abroad without hidden fees. Something expats will appreciate very much. And, you can earn cashback on top brands when you make these low-cost international transfers.
From our experience with OnJuno, people that are looking for a high-interest checking account that offers great incentives in terms of cashback and a free black metal card should benefit from opening an OnJuno digital banking account.
Read more about OnJuno in our full review here.
Essential features a good digital bank has to have
There are a few things or features that a digital bank should, in our opinion, offer its users.
Digital or challenger banks are disrupting the banking market by offering accounts with little to no fees for ATM withdrawals, money transfers, foreign exchange, and on top of that, no minimum balance requirements.
No overdraft fees
As we already mentioned food assistance in kalamazoo mi in this post, Americans are paying an extreme amount in overdraft fees each year. Big banks rely on them to make money for their shareholders. It’s a corrupt system that needs to be changed, and some digital banks are at the forefront of this important issue.
It really is immoral to charge a $15 fee simply for going into overdraft one time. These fees also add up quickly, and it is a vicious circle. Luckily a good digital bank will offer no overdraft fees to their customers.
Cheap or free transfers
Most big banks offer free transfers inside the bank, and some of them charge for transfers to other banks. A good bank won’t charge you for any of these transfers. It will also charge you a reasonable foreign exchange rate without huge markups.
Sending money abroad also shouldn’t cost an arm and a leg. Luckily, there are digital bank accounts such as Wise that can hold multiple different currencies and will not charge you much for international transfers.
Cashback
More and more challenger banks are introducing cashback rewards as a way to lure in customers. It’s a win-win situation for both banks and customers. You spend more with your card but also get something back.
Free ATM withdrawals
It’s a must to have a vast network of ATMs that offer free withdrawals. And it’s always nice to see when a bank will reimburse you transfer prepaid card to bank account out-of-network ATM usage.
Security
Controlling your debit or credit card from the app is incredibly useful in case you lost it or someone stole it. Things like locking your card and instant notifications are a must and can reduce the damage of losing a card.
The bottom line
As you can see, there are many online digital banks similar to Chime, and all of them are a great alternative for people who don’t want to use Chime anymore or at all. Most of them tick off all the boxes that an excellent digital bank has to offer.
Of course, you should do your due diligence and read our full reviews to find out all the ins and outs and see which bank is a good fit for you.
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Adrian Volenik( Chief Editor )
Adrian Volenik is a fintech enthusiast who loves testing and reviewing digital banking apps and financial products in general. How many digital banking accounts can one man have? Not enough, if you ask Adrian. As his wallet will soon explode if he doesn’t cut back on the number of cards.
Chime bank online access -
MoneyLion" width="800" height="450" src="https://www.youtube.com/embed/FoUg3JGA9PI?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen>- Free online account
- Early paycheck
- Zero ATM fees at Allpoint
- Price protection
- Rewards on spending
- $250 fee-free overdraft
- $19.99 /mo Credit Builder Plus
- $1,000 Credit Builder loan
- ETFs investing
MoneyLion is a digital banking platform founded in 2013 that’s been offering financial subscriptions and memberships since 2018.
This Chime alternative offers banking, personal finance, and investment services for a monthly subscription fee, leading many to refer to it as the ‘Netflix of finance.’ It really is an all-in-one mobile banking.
They have almost no fees, apart from the $1 monthly admin fee and a $2.50+ fee for out-of-network ATMs. The good news is, there are more than 55,000 free Allpoint ATMs that you can use.
If you decide to make regular direct deposits, you can get paid early and get access to up to $1,000 0% APR cash advances every direct deposit period.
MoneyLion will also be launching a flexible payment plan and crypto investing. For now, you can make use of their fully managed portfolios and auto investing, all with no management fees or minimums.
They help you choose an investment strategy that suits your needs and supports your goals. The portfolio can be as aggressive or as conservative as you’d like.
You can take even more control over your portfolio by adding thematic sets of ETFs aligned to specific topics like technology innovation and social responsibility. You can turn your weekly $20 investment into a $1,000 at the end of the year cycle.
If you want to know exactly where your money is going, MoneyLion has built a so-called personal finance monitor. An easy way to track your financial picture and reduce your financial stress.
When you check your Financial Heartbeat that’s available in-app, you’ll see a heart that pulses and changes colors to reflect your progress. A real-time score from 1 to 10 will let you know what your financial health is like. This makes personal financial planning more accessible and attainable.
And lastly, you can also earn cashback rewards by spending money with your MoneyLion Mastercard. There is a twist, though. The cashback gets added to a fully managed investment account, where you can withdraw it or let it grow.
Check out our full MoneyLion review here.
Current
- Free online signup
- 30-day trial
- Fast Direct Deposit
- Free overdraft $100
- Points and cashback
- Instant Current transfers
- Cash deposits at 60,000 stores
- Free ATM withdrawals
- Gas hold refunds
- Mobile check deposit
- Teen Banking
This next digital bank on our list is a fine alternative to Chime as well. Founded in 2015, its black Visa debit card has been sweeping through social media in the hands of every influencer known to man.
All kidding aside, Current offers a reliable checking account service designed to add speed and ease to the banking experience while also allowing customers to manage their money more closely.
Current has a good few things working in its favor. They have a free account and a Premium account that has a monthly fee of $4.99. The Premium account will get you that recognizable black card and access to early direct deposits. You also get 3 savings pots instead of just one.
Current Premium also allows you to overdraft up to $100 with no overdraft fees when you receive a qualifying direct deposit and enable Overdrive. The only caveat is that you need to receive paychecks via direct deposit of at least $500/m.
The most interesting feature that Current is offering is instant gas hold removal. I know that this authorization by gas stations can be annoying and can sometimes take up to 72 hours to be removed. But I didn’t think it’s so problematic that it would be a selling point for digital banks.
Current’s Teen banking account costs $36 per year and gives parents complete control and visibility into their kids’ spending habits. It also gives teens financial freedom and teaches them responsibility.
If you want to engage your teens into doing more chores at home, there’s the chores feature that allows you to set up a list of tasks for them to complete each week. You are in complete control of the payout that they get for successfully or unsuccessfully completing the chores.
Parents get instant notifications for all purchases and can set spending limits, block specific merchants, and pause or replace the card.
Apart from monthly account fees for Premium ($4.99/m) and Teen ($36/y) accounts, there are no notable fees to speak of. In-network ATM withdrawals are free; there are no bank transfer or Current to Current transfer fees, no overdraft fees, and no minimum balance fees.
Read our full Current review here.
Cash App

- No monthly fees
- No transaction fees
- No foreign exchange fees
- Free debit card
- Stock trading
- Bitcoin trading
Cash app (before Square Cash) is an extremely popular peer-to-peer mobile payments service that is available in the US and the UK. It was launched in 2013 by Square Inc. and has an incredible 36+ million users, with 7 million owning their debit cards for payments as well.
It offers a relatively simple bank account with basically no fees and the ability to receive direct deposits such as paychecks, and even tax returns up to two days early.
One thing that Chime is missing and that Cash App has is a simple way to buy and sell Bitcoin. In three taps you can have this highly sought cryptocurrency in your account. The same is true for buying stocks. As you’re buying fractions of stocks, you don’t have to be rich to invest in them. In fact, you can invest as little as $1!
For people that love collecting and using coupons at checkouts, there’s good news! Cash App offers plenty of their so-called Cash Boosts. Discount codes that you can only use with your cash app card at supported restaurants, cafes, and shops.
Boosts have minimum purchase amounts and maximum discount amounts. And you can only have one cash boost active at a time. But you can swap them easily at any time.
Cash App is a good app for non-demanding users that want to send or receive money quickly. Its additional features like stock and Bitcoin trading only add more value for Cash App’s users.
The huge number of users that the app has accumulated has also attracted plenty of scammers, so you must be vigilant when using it. If you want to read more about common Cash App scams, read our article.
The Cash App is a great tool to transfer or receive money, without fees, from people you know, first of all. It should not be viewed as a bank account, and you shouldn’t let your money, or at least, a great deal of money, sit on it.
We like that you can invest in stocks and Bitcoin with little or no fees and that you can spend Bitcoin online or in-store with your free Cash App card.
Make sure to check out our full Cash App review here.
OnJuno
- APY of 1.20%
- 5% cashback on up to $3,000 a year
- 85,000 free ATM’s across the nation
- Instant virtual or black metal card
- Up to 3 free withdrawals per month on out of network ATMs
- FDIC insured for up to $250,000 through Evolve Bank & Trust
- Interest compounded monthly and paid monthly
OnJuno is a digital banking platform that is FDIC-backed and offers an annual percentage yield of 1.20% on balances of up to $50,000 on their Metal account and 5% cash back on up to $3,000 a year.
It has two different checking accounts. One is called Basic and is free, and the other one is called Metal because you get a sleek black metal Mastercard if you set up a $500/m direct debit.
The Basic OnJuno account already looks interesting, but the Metal account has even better perks, including a cool-looking black metal Mastercard branded debit card. Which, of course, comes with Mastercard’s Zero Liability policy that will protect you if someone makes unauthorized transactions.
The main difference between these two digital banking accounts though is the fact that APY stays at the 1.20 percent mark up to $5k and $50k, respectively. That is an outstanding percentage for these kinds of accounts.
Nevertheless, even when APY falls to only 0.25%, that’s still much much better than the national APY interest rate on savings accounts of meager 0.04%, according to the Federal Deposit Insurance Corporation.
OnJuno is specially marketed towards immigrants and international professionals. Opening an OnJuno account doesn’t affect your credit score, it can be done fast with only your SSN and passport without visiting a branch, and you can deposit your first paycheck remotely from your phone.
Another great feature are cheap money transfers abroad without hidden fees. Something expats will appreciate very much. And, you can earn cashback on top brands when you make these low-cost international transfers.
From our experience with OnJuno, people that are looking for a high-interest checking account that offers great incentives in terms of cashback and a free black metal card should benefit from opening an OnJuno digital banking account.
Read more about OnJuno in our full review here.
Essential features a good digital bank has to have
There are a few things or features that a digital bank should, in our opinion, offer its users.
Digital or challenger banks are disrupting the banking market by offering accounts with little to no fees for ATM withdrawals, money transfers, foreign exchange, and on top of that, no minimum balance requirements.
No overdraft fees
As we already mentioned earlier in this post, Americans are paying an extreme amount in overdraft fees each year. Big banks rely on them to make money for their shareholders. It’s a corrupt system that needs to be changed, and some digital banks are at the forefront of this important issue.
It really is immoral to charge a $15 fee simply for going into overdraft one time. These fees also add up quickly, and it is a vicious circle. Luckily a good digital bank will offer no overdraft fees to their customers.
Cheap or free transfers
Most big banks offer free transfers inside the bank, and some of them charge for transfers to other banks. A good bank won’t charge you for any of these transfers. It will also charge you a reasonable foreign exchange rate without huge markups.
Sending money abroad also shouldn’t cost an arm and a leg. Luckily, there are digital bank accounts such as Wise that can hold multiple different currencies and will not charge you much for international transfers.
Cashback
More and more challenger banks are introducing cashback rewards as a way to lure in customers. It’s a win-win situation for both banks and customers. You spend more with your card but also get something back.
Free ATM withdrawals
It’s a must to have a vast network of ATMs that offer free withdrawals. And it’s always nice to see when a bank will reimburse you for out-of-network ATM usage.
Security
Controlling your debit or credit card from the app is incredibly useful in case you lost it or someone stole it. Things like locking your card and instant notifications are a must and can reduce the damage of losing a card.
The bottom line
As you can see, there are many online digital banks similar to Chime, and all of them are a great alternative for people who don’t want to use Chime anymore or at all. Most of them tick off all the boxes that an excellent digital bank has to offer.
Of course, you should do your due diligence and read our full reviews to find out all the ins and outs and see which bank is a good fit for you.
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Adrian Volenik( Chief Editor )
Adrian Volenik is a fintech enthusiast who loves testing and reviewing digital banking apps and financial products in general. How many digital banking accounts can one man have? Not enough, if you ask Adrian. As his wallet will soon explode if he doesn’t cut back on the number of cards.