Deposits must be made through third-party retail businesses. However, cash deposits cannot be easily made with this account. Customers receive a debit card when opening an account. Out-of-network withdrawal fee: $2.50 per transactionįunds in your Chime checking account can be accessed via a network of more than 60,000 in-network, fee-free ATMs with the Chime debit card. Overdraft fee: $0-transactions that exceed your available balance are declined

The savings account offers a 2.0% APY, which is nine times the industry average, according Chime. It does not offer money market or certificate of deposit (CD) accounts at this time. Chime offeringsĬhime currently provides two types of deposit accounts-checking and savings accounts. All rates and fees are current as of Jan. However, account options are limited, which may not make Chime the best choice for those who have more extensive or complex financial needs.Ĭhime says it offers customer service 24/7 via its chat and phone line. Both of the banks Chime partners with are FDIC members.Ĭhime is known for offering low-cost accounts that do not include overdraft fees or monthly maintenance fees.

Chime is a financial technology company based in California that partners with The Bancorp Bank, N.A., and Stride Bank, N.A., to offer financial products.

2024 chime bank direct deposit form