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Chime vs SoFi


 SoFi
 Learn MoreLearn More
 

Chime

SoFi

SPECIAL OFFER
Get Started - Learn More

Read Chime Review

OFFER
Refinance Student Loans - Learn More

Read SoFi Review

 

Benefits and Features

Savings2.00% Annual Percentage Yield (APY).
Up to 4.60% APY
CD 
N/A
CheckingNo monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees0.50% APY on checking balances with direct deposit activity or qualifying deposits
Monthly Fee
$0
 
Minimum Deposit to Open
$0
 
Mobile App
iOS & Android
 
ATMsOver 60,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs 
Customer Service
24/7
 
Locations
Online only
 
 

CreditDonkey® Reviews

 SoFi
SavingsStarStarStarStarStar
CheckingStarStarStarStarStar
Mobile AppStarStarStarStarStar
Customer ServiceStarStarStarEmpty StarEmpty Star
FeesStarStarStarStarHalf Star
EligibilityStarStarHalf StarEmpty StarEmpty Star
Interest RatesStarStarStarStarHalf Star
Pros & ConsPros:
  • No account fees
  • Get paycheck 2 days early
  • Up to $200 overdraft coverage
Cons:
  • Hard to deposit cash
Pros:
  • Competitive, fixed rates
  • Low fees
  • No collateral
Cons:
  • Slower underwriting process
  • High standards for borrowers
Bottom Line Read full reviewPersonal loans with low APR and fees. Must have good credit to qualify... Read full review

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.


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

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

Articles on SoFi

SoFi Personal Loan Review

SoFi offers unsecured personal loans if you need to borrow money ASAP. But is it legit (or not)? Learn how SoFi personal loans actually work.

SoFi Bank Locations

SoFi is an online bank offering checking and savings accounts. But does it have physical branches? Keep reading to find out.

SoFi High Yield Savings Review

Want a high APY and easy access to your money? Get the best of both worlds with SoFi's Checking and Savings account.

SoFi Mortgage Review

Thinking about buying a home or refinancing your existing mortgage? Is SoFi a good online lender or should you stick with a traditional bank? Read on for the pros and cons.

Which Do You Think is Best?





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About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

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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