Updated August 4, 2024

Chime Alternatives: Banks and Apps Like Chime

Read more about Chime
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Discover the best Chime competitors that can offer you better rewards and a wider range of account options.

Discover Bank
Member FDIC

Online Checking Account - Earn Cash Back

  • 1% cash back on up to $3,000 in debit card purchases each month. See website for details
  • No fees
  • Early Pay - Get your paycheck up to two days early with no charge
  • No credit impact - You can apply without affecting your credit score.
  • Access to over 60,000 no-fee ATMs in the U.S.
First Technology Federal Credit Union
Member NCUA

First Tech Rewards Checking® - Up to $300 Bonus

  • New Direct Deposit Offer
    • New and existing account holders can set up qualifying direct deposits to earn a one-time bonus: $50 for $1,000–$5,000 per month or $300 for over $5,000 per month.
    • Direct deposits must meet the required amount for the bonus tier and occur at least once a month for three months.
  • Earn up to 3.50% Annual Percentage Yield (APY)
  • No minimum balance requirements and no monthly account maintenance fees
  • Surcharge-free access at nearly 30,000 CO-OP network ATMs nationwide
  • NCUA Insured
Expires 1/31/2025
Axos Bank
Member FDIC

Rewards Checking - Up to 3.30% APY

  • Build your own APY with up to 3.30% APY*
  • Zero monthly maintenance fees
  • Zero overdraft or NSF fees
  • Zero minimum monthly balance reqs
  • No initial deposit requirement
  • Unlimited domestic ATM fee reimbursements
  • Online debit card management
  • Simple, 3-step process for direct deposit
Quontic
Member FDIC

High Interest Checking - Up to 1.10% APY

  • Earn up to 1.10% APY
  • $100 minimum opening deposit
  • APY is based on the account balance and making at least 10 qualifying debit card point-of-sale transactions of $10.00 or more per statement cycle.
Consumers Credit Union
Member NCUA

Free Rewards Checking

  • Earn up to 5.00% APY*
  • Unlimited reimbursement for any and all ATM fees**
  • Over 30,000 ATMs & over 5,000 shared branches
  • No monthly maintenance fees
  • No minimum balance
KeyBank
Member FDIC

Key Smart Checking® - $300 Bonus

Earn $300 after qualified activities until 05.16.25 with the no-monthly-maintenance-fee Key Smart Checking®.

  • Open a Key Smart Checking® account online by May 16, 2025.
  • Make the minimum opening deposit of $10, plus one single eligible direct deposit of at least $1,000 within the first 60 days of account opening.
  • Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
Expires 5/16/2025
Upgrade

Rewards Checking Plus - Up to 2% Cash Back

  • Up to 2% cash back on purchases.
  • No monthly fees
  • Get paid up to 2 days early.
  • Maximize your rewards with direct deposit.
Upgrade is a financial technology company, not a bank. Checking and savings accounts provided by Cross River Bank, Member FDIC.
CIT Bank
Member FDIC

eChecking

  • Open your eChecking account with as little as $100
  • No monthly fees. No overdraft fees.
  • Up to $30 in bank ATM fees reimbursed per month
  • Transfer, pay and purchase via mobile with Zelle®, Bill Pay, Samsung Pay and Apple Pay
  • Deposit checks and make unlimited withdrawal and disbursements with the CIT Bank mobile app

Chime is a popular digital app that offers great technology and high APY. But Chime is not a bank, Chime is a financial technology company.

Check out how Chime alternatives like Axos Bank, Quontic Bank, and Ally Bank stack up in this review.

The Top 7 Alternatives to Chime

Chime provides a great alternative banking option, especially for people who can't open a traditional bank account due to a bad ChexSystems score.

However, Chime is not without its limitations. Below, review the top Chime alternatives you should consider.

What's most important to you when choosing a new bank account?

Chase
Member FDIC

Chase Secure Banking℠ - $100 Bonus

  • New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
  • Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
  • No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
  • No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
  • Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
  • Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
  • Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
  • JPMorgan Chase Bank, N.A. Member FDIC.
Expires 1/22/2025
Bank of America
Member FDIC

Bank of America Advantage SafeBalance Banking®

  • Banking that helps you stay within your balance.
  • No monthly maintenance fee each statement cycle when you meet one of the following: an owner of this account is under the age of 25 or maintain a minimum daily balance of $500 in your account or are a member of Bank of America Preferred Rewards®.
  • Bank of America, N.A. Member FDIC.
Upgrade

Premier Savings - Up to 4.14% APY

  • Earn 4.14% APY, on $1,000 or more
  • No monthly account fees
  • Up to $1 million FDIC or NCUA insurance through Cross River Bank or Participating Institutions
Upgrade is a financial technology company, not a bank. Premier Savings accounts are provided by Cross River Bank, Member FDIC.
Current

Build Credit While You Bank

  • Get Paid Up to 2 Days Faster
  • Build credit and earn points with every swipe
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • No credit check, minimum balance or hidden fees
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

CreditDonkey ALTS Banking Rule: Accessibility, Low fees, Technology, Security

This rule helps you remember the key aspects to consider when choosing an alternative to Chime:

  • Accessibility: Ensure the bank offers easy access to your money through ATMs, online, and mobile banking.
  • Low fees: Look for banks with minimal or no fees for account maintenance and transactions.
  • Technology: Choose a bank with robust technology, such as a user-friendly app and useful financial tools.
  • Security: Make sure the bank has strong security measures to protect your account and personal information.

Unlike Chime, Axos is an actual FDIC-insured banking institution — not a fintech company that provides banking services through a third-party bank.

Whether Axos is right for you depends on what you're prioritizing in a bank. Overall, Axos offers more account options and better rewards than Chime, but their technology isn't as fast or user-friendly.

If you heavily rely on features like push notifications or transactions, Axos may not be the best alternative for you (but there's plenty more to choose from further down).

Axos Bank
Member FDIC

Rewards Checking - Up to 3.30% APY

  • Build your own APY with up to 3.30% APY*
  • Zero monthly maintenance fees
  • Zero overdraft or NSF fees
  • Zero minimum monthly balance reqs
  • No initial deposit requirement
  • Unlimited domestic ATM fee reimbursements
  • Online debit card management
  • Simple, 3-step process for direct deposit
Axos Bank
Member FDIC

CashBack Checking - Earn up to 1.00% Cash Back

  • Earn up to 1.00% cash back on signature-based purchases
  • Unlimited domestic ATM fee reimbursement
  • No monthly maintenance fee
  • $50 minimum balance required to open account
Axos Bank
Member FDIC

Essential Checking

  • Unlimited domestic ATM reimbursements
  • No monthly maintenance fees
  • No annual fee
  • No overdraft or non-sufficient funds fee
Axos Bank
Member FDIC

First Checking - 0.10% APY

  • Joint checking account for 13-17 year olds
  • No fees
  • Up to $12 domestic ATM fee reimbursements per month
Axos Bank
Member FDIC

Golden Checking - 0.10% APY

  • Interest-bearing checking account for age 55+
  • No fees
  • Free personal checks

Chime vs. Axos takeaway: Axos may come up short in the technology factor, but this digital-only bank offers better rewards and more accounts to choose from than Chime.

Read more: Axos Bank Review

Quontic is a community development bank that gives back by using deposits to help lower-income families secure mortgage financing.

This bank really shines in the checking account space. They offer two distinct and impressive account options: High-Interest Checking and Cash Rewards Checking.

However, like Axos, Quontic falls short due to slow and unimpressive technology. It also requires a $100 minimum deposit for each account, compared to $0 for Chime.

Quontic
Member FDIC

High Interest Checking - Up to 1.10% APY

  • Earn up to 1.10% APY
  • $100 minimum opening deposit
  • APY is based on the account balance and making at least 10 qualifying debit card point-of-sale transactions of $10.00 or more per statement cycle.

Cash Rewards Checking

  • Get 1.00% Cash Back on All Eligible Debit Card Purchases
  • $100 minimum opening deposit
Quontic
Member FDIC

High Yield Savings - 4.00% APY

  • 4.00% APY
  • $100 minimum opening deposit
  • No monthly service fees

Chime vs Quontic takeaway: Quontic has a feel-good mission behind their banking, plus an impressive suite of checking accounts with modern features that Chime doesn't offer.

Ally was originally the financial sector of General Motors, then called GMAC.

Now, Ally is a full-service online bank with competitive rates. While Ally offers a higher savings account APY than Chime, they also pay interest on checking accounts.

In addition, Ally provides paper checks, a feature Chime does not have. If you need to use a traditional paper check as a Chime account holder, your only option is to have a pre-printed check mailed to the recipient from Chime corporate HQ, which can be time-consuming.

In addition to spending and savings accounts, Ally offers IRA retirement accounts, money market accounts, certificates of deposit (CDs), and home, auto, and personal loans.

Interest Checking

  • 0.10% APY for daily balances less than $15,000
  • 0.25% APY for daily balance over $15,000
  • $10/month rebate for ATMs outside of Ally Network
  • $0 minimum opening deposit
  • No fees to open or maintain account
  • FDIC insured
  • Daily compounding interest

Personal Checking Account - $100 Referral Bonus

You must enroll in the offer via your friend's personal link. Open a new Ally Bank Spending Account within 30 days of enrollment. Fund your account with any amount within 30 days of account opening. Setup and receive a qualifying direct deposit within 60 days of account opening. The $100 bonus will be deposited to your account within 30 days of receiving the qualifying direct deposit.

Expires 12/31/2024

Online Savings Account - 3.80% APY

$0 minimum opening deposit. No minimum balance requirement. No fees to open or maintain account.

Personal Savings Account - $100 Referral Bonus

You must enroll in the offer via your friend's personal link. Open a new Ally Bank Savings Account within 30 days of enrollment. Setup and receive one or more monthly automated recurring transfer/s within 30 days of account opening. The monthly automated recurring transfer/s must continue for at least three consecutive months. The $100 bonus will be deposited to your account within 30 days of receiving your third monthly recurring transfer.

Expires 12/31/2024

Chime vs. Ally takeaway: Ally provides far more traditional banking products than Chime, a good option for those who want a one-stop-shop bank.

Read more: Ally Bank Review

Other Savings Promotions You May Like
Discover Bank
Member FDIC

Discover® Online Savings - $200 Cash Bonus

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.

Expires 3/13/2025

Varo is Chime's most similar alternative — in fact, the offerings from these two companies are virtually identical.

Like Chime, Varo only offers checking, savings, and credit-builder (called Varo Believe) accounts.

Varo customers can also receive their direct deposits two days early and have access to over 55,000 fee-free AllPoint ATMs with their Visa debit card, just like Chime.

Varo's savings account pays a higher interest rate than Chime's. You can get 3.00% APY on entire balance, with chance to earn 5.00% APY (on up to $5,000) when you meet requirements. This includes receiving $1,000+ in direct deposit and ending the month with a positive balance in your account.[1]

Online Savings Account

  • Earn 3.00% up to 5.00% APY
  • No minimum to open
  • No monthly maintenance fee
  • Member FDIC

Chime vs. Varo takeaway: Varo is as close as you can get to Chime without actually using Chime.

If you have online access and want to open a bank account efficiently, check out our detailed guide on the easiest bank accounts to open online.

Capital One 360 offers competitive banking options, including checking and savings accounts, business and commercial bank accounts, and auto loans.

Capital One 360 Savings has higher savings APY than Chime.

For starters, Capital One customers can deposit cash into their account with no fees and have access to "branch" locations using Capital One Cafes.

Capital One is also the only Chime alternative this writer has personal experience with that meets or exceeds Chime's technology — including app simplicity, user-friendliness, and security.

Personal Checking Account - $300 Bonus

Open a new 360 Checking account. Use promo code OFFER300 at account opening. Set up and receive 2 qualifying direct deposits of $500 or more within 75 days of account opening.

Personal Checking Account - $250 Bonus

Open a new 360 Checking account. Use promo code CHECKING250 at account opening. Set up and receive 2 qualifying direct deposits of $500 or more each within 75 days of account opening.

360 Checking Account

  • $0 opening minimum
  • No monthly service fee
  • No minimum balance requirement
  • 0.10% APY
  • 40,000+ Allpoint ATMs

MONEY Teen Checking Account

  • No monthly service fee
  • No minimum balance
  • Free debit card for kids
  • Parental controls

Personal Savings Account - $1,500 Bonus

Open a new 360 Performance Savings account. Use promo code BONUS1500 at account opening. Deposit at least $100,000 of external funds within 15 days of account opening. Maintain at least $100,000 in the account for 90 days more after the initial 15 days after account opening.

Personal Savings Account - $750 Bonus

Open a new 360 Performance Savings account. Use promo code BONUS1500 at account opening. Deposit at least $50,000 of external funds within 15 days of account opening. Maintain at least $50,000 in the account for 90 days more after the initial 15 days after account opening.

Personal Savings Account - $300 Bonus

Open a new 360 Performance Savings account. Use promo code BONUS1500 at account opening. Deposit at least $20,000 of external funds within 15 days of account opening. Maintain at least $20,000 in the account for 90 days more after the initial 15 days after account opening.

360 Performance Savings - 3.80% APY

  • 3.80% APY
  • $0 opening minimum
  • No monthly service fee
  • No minimum balance requirement

Chime vs. Capital One 360 takeaway: Capital One 360 offers the high APYs and less overhead that people love about modern banks plus the in-person support of traditional brick-and-mortar banks.

Can I deposit cash into my Capital One 360 account?
Yes. One major perk of Capital One compared to the alternatives on this list is the ability to deposit cash into your checking or savings account at Capital One ATMs or Capital One Cafe locations.

Other Savings Offers You May Like
High-Yield Savings Premier - 4.46% APY

High-Yield Savings Premier - 4.46% APY

  • No account activity or maintenance fees
  • $500 minimum opening deposit
  • FDIC insured
The annual percentage yield (APY) is accurate as of November 7, 2024 and subject to change at the Bank's discretion. Refer to product's website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Member FDIC

Just like Chime, Current is a cutting-edge fintech company offering a seamless online banking experience. When you open an account, you'll benefit from no monthly fees, a Visa debit card for your daily spending, and a 4.00% bonus on savings up to $6,000.

However, what truly sets Current apart from Chime is its exclusive teen account. It lets parents help their kids manage money independently while keeping a close eye on their finances.

Here are other handy features you can enjoy with Current:

  • Up to 15x cash back at 14,000 retailers
  • Fee-free ATM access at 40,000+ locations
  • Up to $200 in fee-free overdrafts for qualified customers
  • Early direct deposits
  • Cash deposits at 60,000 stores nationwide

Current

Current Savings - Up to 4.00% bonus

  • 4.00% bonus on up to $6,000 balance if you receive and maintain a qualifying direct deposit of $200 or more in a rolling 35 day period. (Otherwise, 0.25%)
  • Simply add money to your Savings Pods and enable the Boost feature.
  • Earn bonus on up to 3 Savings Pods, up to $2,000 balance each.
  • Bonuses accumulate daily.
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.
Current

Get $50 When You Join Current

Current Bank will give you $50 when you join and open a Premium Checking account. Enter the Current Promo Code WELCOME50. Connect a Payroll Direct Deposit of $200 or more within the first 45 days of opening your account.

Current

Convenient Teen Account With Debit Card

  • Easy transfers, set spending limits, automate allowances
  • Age: 13 years and older
  • Fees: No monthly or annual fee
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

Chime vs. Current takeaway: Current integrates spending, saving, and credit-building features into one account and offers another account dedicated for teens unlike Chime.

If you or your teen don't have an SSN, there are banks that don't require social security number.

Discover® Bank, owned by Discover Financial, offers a full range of banking and borrowing products. These include checking, savings, and CD accounts, along with various loan options such as student and home-equity loans.

Much like Chime, Discover is known for its digital banking platforms. You'll get access to an easy-to-use website and mobile app, making money management more convenient.

And, depending on the account you open, you can enjoy fee-free access to over 60,000 Allpoint® or MoneyPass® ATMs nationwide.

But, Discover offers a broader range of products and services compared to Chime, serving as a full-service online bank with a robust selection. It also provides more attractive savings rates.

Discover Bank
Member FDIC

Discover® Online Savings - $150 Cash Bonus

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.

Expires 3/13/2025
Discover Bank
Member FDIC

Online Savings Account - Earn 3.75% APY

  • No fees
  • No minimum opening deposit
  • No minimum balance required
Discover Bank
Member FDIC

Discover® Cashback Checking - Up to $30/Month Cashback

Earn 1% cash back on up to $3,000 in debit card purchases each month, for a total of up to $30 cashback per month. Discover Cashback Debit checking account has no minimum balance requirement, no fees, and free online bill pay. See website for details.

Discover Bank
Member FDIC

Certificate of Deposit

  • 4.00% APY for 12-month term
  • 3.80% APY for 18-month term
  • 3.40% APY for 36-month term
  • 3.40% APY for 5-year term
Discover Bank
Member FDIC

Money Market Account

  • Earn 3.60% APY for balances under $100,000
  • Earn 3.65% APY for balances $100,000 and over

Chime vs. Discover takeaway: Both offer robust mobile banking services, but Discover stands out with its broader range of products and competitive savings rates.

Not sure if you're ready to pass on Chime? Review these pros and cons for a quick recap of the best and worst points about this digital-only financial technology company.

Pros

  • 2.00% Annual Percentage Yield (APY).
  • Up to $200 SpotMe fee-free overdraft protection[2]
  • Improve your credit score risk-free with a Credit Builder account
  • 60,000+ fee-free ATM locations
  • Compatible with Google Pay and Apple Pay

Cons

What bank does Chime use?
Chime is a financial technology company, not a bank. Chime's banking services are provided by either The Bancorp Bank or Stride Bank, N.A. Both are FDIC-insured institutions, so your money will be safe in the event of a bank default.

What's your main concern with Chime?

How to Choose the Right Bank for You

With the number of new digital banks offering great rewards constantly expanding, it can be difficult to decide on what banking option is best suited for your needs. Here are some things to keep in mind when deciding on your next financial institution:

Low Fees
The average monthly fee for interest checking accounts nationwide is $16.19. That means the average person wastes over $194 per year on maintenance fees![3]

When deciding on a bank account, make sure you find one that does not charge monthly maintenance fees and does not require a minimum average balance.

All five alternatives listed above meet this criteria, but you can find even more great fee-free bank accounts.

High Interest or Rewards
Are you a spender or a saver?

Several companies listed above provide the option to decide between a high-interest checking account (for savers with high account balances) and cash-back rewards checking accounts (best for big spenders).

Always choose a bank that incentivizes you to use their services with cash rewards in the form of interest or cash back.

After all, banks make their money by lending out your deposits in the form of loans — using a system called fractional-reserve banking.

Big ATM Network
If you use cash, you don't want to have to pay a fee every time you use your debit card at the ATM.

Most banks allow you to view their ATM network using a map feature so you can make sure you have fee-free locations nearest you.

ATM locator tools for all the banks listed above:

The Varo ATM locator tool is only available in the company's mobile app. However, it uses the same network as Chime.

Ability to Grow with You
One big drawback of Chime and Varo is the limited number of account options available.

If you have a checking and savings account, you've basically maxed out the usefulness of these companies.

Alternatives like Capital One, Axos, Ally, and Quontic offer account options like money market accounts, CDs, investment accounts, and loans that will be useful if you graduate past the point of living paycheck to paycheck and even have a full emergency fund.

If you reach that milestone (congratulations!), you don't want to have to switch banking institutions in order to open secondary savings accounts for specific goals like a home, car, or retirement.

Discover Bank
Member FDIC

Online Checking Account - Earn Cash Back

  • 1% cash back on up to $3,000 in debit card purchases each month. See website for details
  • No fees
  • Early Pay - Get your paycheck up to two days early with no charge
  • No credit impact - You can apply without affecting your credit score.
  • Access to over 60,000 no-fee ATMs in the U.S.
Axos Bank
Member FDIC

Rewards Checking - Up to 3.30% APY

  • Build your own APY with up to 3.30% APY*
  • Zero monthly maintenance fees
  • Zero overdraft or NSF fees
  • Zero minimum monthly balance reqs
  • No initial deposit requirement
  • Unlimited domestic ATM fee reimbursements
  • Online debit card management
  • Simple, 3-step process for direct deposit
Quontic
Member FDIC

High Interest Checking - Up to 1.10% APY

  • Earn up to 1.10% APY
  • $100 minimum opening deposit
  • APY is based on the account balance and making at least 10 qualifying debit card point-of-sale transactions of $10.00 or more per statement cycle.
KeyBank
Member FDIC

Key Smart Checking® - $300 Bonus

Earn $300 after qualified activities until 05.16.25 with the no-monthly-maintenance-fee Key Smart Checking®.

  • Open a Key Smart Checking® account online by May 16, 2025.
  • Make the minimum opening deposit of $10, plus one single eligible direct deposit of at least $1,000 within the first 60 days of account opening.
  • Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
Expires 5/16/2025
Upgrade

Rewards Checking Plus - Up to 2% Cash Back

  • Up to 2% cash back on purchases.
  • No monthly fees
  • Get paid up to 2 days early.
  • Maximize your rewards with direct deposit.
Upgrade is a financial technology company, not a bank. Checking and savings accounts provided by Cross River Bank, Member FDIC.

The Bottom Line

While Chime offers a solid lineup of features, high APY compared to traditional banks, and easy-to-use technology, there are many alternatives to Chime that offer better rewards and more account options.

Always make sure to shop around to make the most out of your banking experience. Determine what your banking must-haves and nice-to-haves to find the best bank for your needs.

References

  1. ^ Varo Bank. Savings Interest Rates and Information, Retrieved 07/30/2024
  2. ^ Chime. Fee-Free Overdraft with SpotMe, Retrieved 07/30/2024
  3. ^ Bankrate. Survey: ATM fees hit record high while overdraft and NSF fees fell sharply, Retrieved 07/30/2024
Chase
Member FDIC

Chase Total Checking® - $300 Bonus

Expires 1/22/2025
  • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
  • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Discover Bank
Member FDIC

Discover® Online Savings - $200 Cash Bonus

Expires 3/13/2025

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.

Bank of America
Member FDIC

Bank of America Advantage Banking - $300 Bonus Offer

Expires 1/31/2025
  • The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new checking customers only.
  • Offer expires 01/31/2025.
  • To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
  • Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
  • Additional terms and conditions apply. See offer page for more details.
  • *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
  • Bank of America, N.A. Member FDIC.
US Bank
Member FDIC

U.S. Bank Smartly® Checking - Up to $450 Bonus

Expires 12/30/2024
Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through December 30, 2024. Member FDIC.

Earn up to $450 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:

  • Enroll in online banking or the U.S. Bank Mobile App
  • Make two or more direct deposits(s) totaling $2,000 to $4,999.99 to earn $250, $5,000 to $7,999.99 to earn $350 or $8,000 or more to earn $450.

Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.

CIT Bank
Member FDIC

CIT Bank Platinum Savings - 4.35% APY

  • 4.35% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC

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