Axos Bank vs Chime

Axos Bank is a full-service online bank with excellent cashback and interest checking. How does it compare to Chime? Read our comparison chart below.

	Axos Bank	Chime


	SPECIAL OFFER Rewards Checking - Up to 1.25% APY - Learn More Read Axos Bank Review	SPECIAL OFFER Get Started - Learn More Read Chime Review
	Benefits and Features
Savings	0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)	2.00% Annual Percentage Yield (APY). The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of November 17, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.
CD	0.20% APY. Terms of 3 months to 5 years. $1,000 minimum
Checking	Rewards Checking: Up to 1.25% APY Cashback Checking: Up to 1% cashback	No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees
Money Market	0.25% APY
Customer Service		24/7
Minimum Deposit to Open		$0
Mobile App		iOS & Android
ATMs		Over 60,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs
Locations		Online only
Monthly Fee		$0
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Mobile App
ATMs
Locations
Customer Service
Pros & Cons	Pros: Checking with rewards No monthly fee Domestic ATM rebates Cons: Low CD rates No physical branches	Pros: No account fees Get paycheck 2 days early Up to $200 overdraft coverage Cons: Hard to deposit cash
Bottom Line	Full-service online bank with excellent cashback and interest checking... Read full review	Read full review

	Rewards Checking - Up to 1.25% APY Basic Business Checking - $200 Bonus Essential Checking	Get Started Deposit a Check Using a Mobile App (No Monthly Fees) Free Mobile Checking
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Axos Bank: Pricing information from published website as of 07/01/2020. Chime: Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

Member FDIC

Rewards Checking - Up to 1.25% APY

Get Deal

Use the promo code RC100 when you apply for a Rewards Checking account by 3/31/2023. Then have qualifying direct deposit(s) to earn a $100 welcome bonus!
Up to 1.25% APY
Zero monthly maintenance fees
Zero overdraft or NSF fees
Zero minimum monthly balance reqs
Unlimited domestic ATM fee reimbursements
Online debit card management
Simple, 3-step process for direct deposit
Only $50 to open an account

Member FDIC

Basic Business Checking - $200 Bonus

Get Deal

New business owners get a $200 welcome bonus!
Zero monthly maintenance fees
Unlimited Transactions
Unlimited domestic ATM fee reimbursements
$0 Minimum Opening Deposit requirement
2 Free Domestic Wires, monthly
Cash Deposit capability via MoneyPass and AllPoint networks

Member FDIC

Essential Checking

Unlimited domestic ATM reimbursements
No monthly maintenance fees
No annual fee
No overdraft or non-sufficient funds fee

Get Deal

Which is Better: Axos Bank or Chime?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Axos Bank or Chase.