Personal account

Chime

Monthly fee, APY, bonus, and minimum deposit are copied from the provider's page, with the date we checked.

Best for No-fee checking with a savings rate

Chime

Fintech

Monthly fee: $0No monthly service fee and no minimum balance on checking. Out-of-network ATM withdrawals are $2.50.as of Oct 30, 2026 source
APY: 1.00%Standard savings APY as of Oct 6, 2026. Chime Plus is 3.00% and Chime Prime is 4.00%. You need $0.01 in savings to earn interest. Checking is required to open savings.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: $0as of Oct 30, 2026 source

No monthly fee
No overdraft fee
Savings APY from 1.00%

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What we have verified

Bank or fintech: Fintech. A partner bank provides the banking services unless the provider's own site says otherwise.
Partner bank: The provider's own banking statement is not on this page yet. Fees and rates are on the card above.

FDIC insurance, when it applies, protects deposits if an insured bank fails. With a fintech, coverage comes through the partner bank. See the FDIC guide to deposit insurance and our explainer.