Home Banks Chime Checking Accounts Chime Checking Account

Chime Checking Account

About Chime Checking Accounts

The Chime Checking Account from Chime is one of the top-rated Checking Accounts options evaluated on MoneyCompared, earning an overall product score of 9.3/10. Fee-free mobile checking account with SpotMe fee-free overdraft up to $200, Get Paid Early up to 2 days early, and 60,000+ fee-free ATMs.

Key highlights include 2.00% APY on Linked Chime Savings, a fee structure of $0 Monthly Fee, $0 Overdraft Fee, $0 Minimum Balance Fee, and SpotMe Fee-Free Overdraft up to $200. Accounts are backed by FDIC Insured up to $250,000 via Bancorp/Stride Bank and supported by Chime's 4.9 / 5.0-rated digital banking experience.

Features

Annual Fee	$0 Monthly Fee, $0 Overdraft Fee, $0 Minimum Balance Fee
Regular APR / Rate	2.00% APY on Linked Chime Savings
Intro Offer / Welcome Bonus	SpotMe Fee-Free Overdraft up to $200
Savings APY / AER	Get Paid Early Direct Deposit + Free Cash Deposits at Walgreens
Minimum Deposit	$0 Minimum Deposit
Foreign Transaction Fee	$0 Foreign Transaction Fee
Deposit Insurance	FDIC Insured up to $250,000 via Bancorp/Stride Bank
Mobile App Rating	4.9 / 5.0
Overall Rating	9.3 / 10

About Product

Annual / Monthly Fee: $0 Monthly Fee, $0 Overdraft Fee, $0 Minimum Balance Fee
APR / APY Rate: 2.00% APY on Linked Chime Savings
Intro Offer / Bonus: SpotMe Fee-Free Overdraft up to $200
Key Benefits: Get Paid Early Direct Deposit + Free Cash Deposits at Walgreens
Minimum Requirement: $0 Minimum Deposit
Foreign Transaction Fee: $0 Foreign Transaction Fee
Protection: FDIC Insured up to $250,000 via Bancorp/Stride Bank

Pros

Rate / APR / APY: 2.00% APY on Linked Chime Savings
Fee Structure: $0 Monthly Fee, $0 Overdraft Fee, $0 Minimum Balance Fee
Welcome Offer / Benefit: SpotMe Fee-Free Overdraft up to $200
Rewards & Highlights: Get Paid Early Direct Deposit + Free Cash Deposits at Walgreens

Cons