{"id":1621,"date":"2025-01-03T23:51:56","date_gmt":"2025-01-03T23:51:56","guid":{"rendered":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/?page_id=1621"},"modified":"2025-01-04T00:36:07","modified_gmt":"2025-01-04T00:36:07","slug":"cashback-debit","status":"publish","type":"page","link":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/cashback-debit\/","title":{"rendered":"Cashback Debit"},"content":{"rendered":"\t\t
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Cashback Debit<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Chime Review: Checking and Savings<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Chime charges few fees, and it can be easy to open an account, even if you’ve been denied a bank account in the past. But depositing cash can cost money.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Checking<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Savings<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Customer experience<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Overdraft fees<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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The bottom line:<\/span><\/p>

Chime\u00ae is an online-only financial technology company that partners with two banks to offer checking and savings accounts. As a neobank<\/a>, it doesn\u2019t work like a traditional neighborhood bank, but its accounts do have FDIC insurance<\/a> through Chime\u2019s partner banks, so they\u2019re safe places to keep your money. Chime has no monthly or overdraft fees, and it lets you round up purchases to the next dollar and save the remainder. But it can be expensive to deposit cash.<\/p><\/div>

Penalty for outsized CFPB complaints:<\/strong> NerdWallet deducted 0.5 star from Chime\u2019s overall rating due to the volume of complaints on the Consumer Financial Protection Bureau database relative to the asset sizes of its partner banks, The Bancorp Bank and Stride Bank. For more information about this penalty, see our methodology page<\/a>. For more context surrounding complaints in previous years, learn about a ProPublica report on how Chime closed accounts involuntarily<\/a>.<\/p><\/div>

Note:<\/strong> In May 2024, the CFPB ordered Chime to pay millions of dollars for failing to refund consumers in a timely manner when their Chime accounts were closed.<\/p><\/div>

Best for:<\/strong> Customers who want to maximize savings account interest, are paid by direct deposit and don’t deposit cash often.<\/p><\/div><\/div>

Pros<\/span>
  • No overdraft fees.<\/li>
  • No monthly fees.<\/li>
  • Large, free, nationwide ATM network.<\/li>
  • No minimum opening deposits.<\/li>
  • Early direct deposit.<\/li><\/ul><\/div>
    Cons<\/span>
    • No branch access.<\/li>
    • Fees for cash deposits.<\/li><\/ul><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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      \n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tSee more information from Chime<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

      • Chime says: “Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.”<\/p><\/div>

        “Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.”<\/p><\/div>

        “Once the retailer accepts your cash, the funds will be transferred to your selected Chime Account. Barcode and debit card cash deposits land in the Checking Account. Credit Builder card cash deposits first go through your Card Account and then land in your Secured Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.”<\/p><\/div>

        “Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.”<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

        Cashback Debit Chime Review: Checking and Savings Chime charges few fees, and it can be easy to open an account, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1621","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/wp-json\/wp\/v2\/pages\/1621","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/wp-json\/wp\/v2\/comments?post=1621"}],"version-history":[{"count":7,"href":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/wp-json\/wp\/v2\/pages\/1621\/revisions"}],"predecessor-version":[{"id":1649,"href":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/wp-json\/wp\/v2\/pages\/1621\/revisions\/1649"}],"wp:attachment":[{"href":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/wp-json\/wp\/v2\/media?parent=1621"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}