Overview

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.

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Pros:

• No monthly fees for checking or savings.
• Automated savings tools to help improve your habits.
• Early receipt of direct deposit payments.
• Competitive savings APY

Cons:

• Pay Friends mobile payment program only available when both parties have a Chime Spending Account.
• No branches for in-person service.

Bottom Line:

Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC.

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