Last Updated:
Chime Review 2026
Quick Summary
Rating
4.5/5 ⭐
Savings APY
2.00%
Checking APY
0.00%
Monthly Fee
$0
Best for: Budget-conscious users and fee haters
What is Chime?
Chime is a full-service online bank offering competitive rates and modern banking features.
✓ Pros
- No monthly fees or overdraft fees
- Early direct deposit (up to 2 days)
- Automatic savings features
- Fee-free overdraft up to $200
- Simple, user-friendly app
✗ Cons
- Lower savings APY than competitors
- No interest on checking
- Limited customer service hours
- No joint accounts
Account Details
| Savings APY | 2.00% |
| Checking APY | 0.00% |
| Min Deposit | $0 |
| Monthly Fee | $0 |
| ATM Access | None (60,000+ free ATMs) |
| Mobile App | Excellent |
| FDIC Insured | Yes |
Who Should Choose Chime?
Best for: Budget-conscious users and fee haters