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.
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