Technically, it doesn’t have a bank charter. But for all practical purposes, it operates similarly to a fee-free online bank. Money expert Clark Howard likes online-only banks because they don’t have many fees and carry low (or zero) minimum balance requirements.Ĭhime offers a number of rich features, a competitive interest rate and a checking account with direct deposit, a debit card and a free ATM network.įinancial software company (banking services)Ĭompetitive interest rate, automated savings, early access to direct depositsĪnyone OK with banking online, especially the unbanked and those with a negative banking historyįounded in 2013, San Francisco-based Chime considers itself a financial services software company. Chime provides fee-free online banking services through a well-received mobile app.
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