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Chime vs Capital One


 Chime
 Visit SiteLearn More
 

Chime

Capital One

SPECIAL OFFER
Get Started - Learn More

Read Chime Review

SPECIAL OFFER
Personal Savings Account - $150 Bonus - Learn More

Read Capital One Review

 

Benefits and Features

Savings0.50% 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 1, 2021. No minimum balance required. Must have $0.01 in savings to earn interest.
0.60% APY
CD 0.60% to 2.25% APY. Terms of 6 months to 5 years. 12-month CD APY of 1.30%
CheckingNo monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees
0.10% APY
Customer Service
24/7
Mon-Sun: 8am - 11pm (ET)
Minimum Deposit to Open
$0
 
Mobile App
iOS & Android
 
ATMsOver 60,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMsOver 40,000 no-fee Capital One & Allpoint ATMs
IRA CD 0.60% to 2.25% APY. Terms of 6 months to 5 years. 12-month CD APY of 1.30%.
Locations
Online only
Online Only
Monthly Fee
$0
 
 

CreditDonkey® Reviews

 Chime
SavingsStarStarStarStarStarStarStarStarHalf StarEmpty Star
CheckingStarStarStarStarStarStarStarStarStarStar
Customer ServiceStarStarStarEmpty StarEmpty StarStarStarStarStarHalf Star
Mobile AppStarStarStarStarStarStarStarStarStarHalf Star
Money MarketStarStarStarStarEmpty Star
Pros & ConsPros:
  • No account fees
  • Get paycheck 2 days early
  • Up to $200 overdraft coverage
Cons:
  • Hard to deposit cash
Pros:
  • Overdraft protection options
  • No account minimums
  • 27 cafes for in-person support
Cons:
  • Lower savings APY compared to other online banks
Bottom Line Read full reviewGood online bank with access to in-person support... Read full review
 Visit SiteLearn More

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

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.

Capital One: Pricing information from published website as of 5/21/2022.

Chime

Get Started

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.

Chime

Deposit a Check Using a Mobile App

Mobile check deposits allow you to deposit checks without going to the bank. 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.

Chime

Free Mobile Checking

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.


Articles on Chime

Chime Review

Chime has no monthly fees, so what's the catch with the app? Find out how you can get paid two days early and grow your savings.

Chime Alternatives

Chime offers a convenient and rewarding mobile app. But can you earn better rewards and get more account options with one of Chime's top competitors?

Articles on Capital One

Capital One 360

Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank live up to its claims? Find out if it's right for you.

Capital One Bank Hours

Capital One Bank is open 6 days a week. Take a look at their operating hours.

Capital One Routing Number

What is the routing number for Capital One? Find the right one for your account with our guide.

Which Do You Think is Best?





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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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