Chime

Chime is an American financial technology company that offers mobile banking services to consumers. It is not a bank itself: accounts are provided through partner banks, and customers manage them in the Chime mobile app. The offer includes a checking account with a Visa debit card and no monthly fees, a savings account with automatic transfers, early access to direct deposit paychecks, fee-free overdraft up to a limit, a secured credit card intended to build credit history, and short-term advances on wages. Chime earns most of its revenue from card interchange fees paid by merchants. Its customers are mainly individuals in the United States who are paid by direct deposit.