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Must Try these 7 Apps like Chime for Mobile Banking!

Must Try these 7 Apps like Chime for Mobile Banking!

If you are here, that means you are probably looking for Apps like Chime. It is one of the most popular banking apps that is started as an investment startup. But now, it has become a developed online-only banking platform.  

Sometimes, the app goes down, and its customer service makes it really annoying to use it. Not only that, but if you lost your account or if they ban your account, it is certainly impossible to get your account bank.

Fortunately, it is not the only option! There are several banking apps that are available out there. We have done extensive research and picked up the 8 best Chime alternatives for you.

Apps like Chime: Top Alternatives!

Chime is an American fintech that offers fee-free mobile banking services, making it one of the widely used mobile banking applications. All account-holders are issued Visa debit cards and can access the online banking system.

Its checking account – Spending account is an FDIC-insures deposit account that lets you make deposits through direct deposit, mobile deposit, transfer from a linked bank account, and even cash deposit through third-party services.

Moreover, it automatically rounds up your debit card purchases to the nearest dollar and deposits the change into your savings account.

Nevertheless, keep on reading to find more about apps like Chime that are the best digital banks and offer some amazing features.


varo apps like chime

Varo is an American mobile-only neobank that provides financial services through its mobile app. Like most online banks, it doesn’t charge any fee for checking and savings accounts and also no overdraft fees.

Not only that, but it also offers tools to help budget and keep track of spending and free ATM withdrawal through its Allpoint partnership. It’s automatic save tool, ‘Save Your pay,’ allows you to choose a percentage of your direct deposit to go directly into your savings account.

And ‘Save Your Change’ rounds up your banking transactions to their nearest dollar and transfers those cents to your savings.

How Does Varo Work?

In order to access Varo, you’ll have to be at least 18 years or older with a valid social security number and must be a permanent citizen of the U.S. You can then download the Varo app and create an account.

Then, you can choose for Varo Savings account or a Varo Checking account. But to access the Varo savings account, you’ll need to open a checking account. This checking account has no monthly fees, can get early direct deposit, and even receive at least $1,000 in direct deposit a month.

Similarly, a savings account also has no fees, from which you can earn up to a 3.00% APY. However, you’ll have to meet some requirements like receiving $1,000 or more in direct deposit, making at least five debit card purchases a month, and having daily savings account up to $10,000.

Key Features

  • No monthly fees or overdraft fees for checking and savings accounts.
  • For approved bank holders, Varo Advance offers up to $100 as an advance.
  • It has over 55,000 ATMs worldwide, out of which over 40,000 are within the United States.
  • You cannot deposit cash directly into your Varo savings account. That means you’ll have to deposit it into your checking account first.

Cash App

cash app

Cash is the best app like Chime that lets users transfer money to one another by using a mobile phone application. Although the Cash App has direct-deposit functionality, the banking features are limited, and your money is not FDIC insured.

You have the ability to send up to $1,000 within a 30-day period. This limit can be increased if you give your basic information like date of birth, name, and last four digits of your Social Security Number.

Your payment information is encrypted and sent through secure servers. Nevertheless, you should always take a few extra steps to ensure no one can send money using your phone.

How Does Cash App Work?

Cash App has four main functions – sending money, receiving money, investing, and mobile banking. If you want to send money, you just need the recipient’s phone number, email address, or $Cashtag. You can then either make the payment from your linked bank account, Cash App balance, or credit card.

And when you receive money, it will directly go into your Cash App account, which you can withdraw to a debit card or connected bank account.

When you don’t want to transfer money out to a bank account, you can request a Cash Card, which is basically a Visa debit card that allows you to use Cash App funds to buy products online or in retail stores.

Finally, the Cash App’s investing feature allows you to invest in stocks and exchange-traded funds as low as $1 with zero commission fees.

Key Features

  • Sending payments from your bank account or Cash App balance is completely free.
  • Standard deposit takes around one to three business days to show up in your account for completely free.
  • The instant deposit charges a 1.5% fee to show up in your bank immediately.
  • It charges a 3% fee if you send money from a credit card.
  • You would require a Cash App Card to use the banking feature.
  • You can also buy and sell Bitcoin within the app.

Capital One 

capital one

Capital One specializes in banking & savings accounts, auto loans, and credit cards. It is one of the largest banks in the United States, largely known for being a technology-focused bank.

It operates as three divisions – Credit cards, Consumer banking, and commercial banking. Furthermore, it offers a wide range of credit cards, including cash back cards, a secured card, travel rewards cards, a student card, and numerous business credit cards.

How Does Capital One Work?

You’ll have to first create a Capital One bank account to access Capital One. So, you’ll have to provide your name, date of birth, mailing address, email address, phone number, social security number, employment, and salary information.

Through the app, you can access its services. Note that Capital One and Capital One 360 are the same, but the only difference is how you access your account and your money.

That means with Capital One 360, you can access your account via their mobile application or app on your mobile phone, and standard Capital One has physical branches.

The 360 Checking account is a competitive interest-bearing account that offers tiered rates where those with larger balances earn more. This account is free to open and comprises the ability to pay bills, transfer money and make mobile deposits online.

And the 360 Performance Savings account provides a competitive yield for all balances and doesn’t need a minimum balance requirement. Therefore, it can be the best option for everyone. Moreover, users can set savings goals and automatic savings plans for extra budgeting utility.

Key Features

  • No monthly maintenance fees or minimum balance requirements.
  • Access C.D.s, Savings accounts, Checking accounts, and credit cards.
  • Capital One’s overdraft fee is $35 per transaction.
  • Capital One 360 Performance Savings account has the highest rates.
  • No-fees access to over 40,000 ATMs.
  • Account-holders can get interest disbursements monthly or annually, depending on personal preference.



Ally Mobile can also be the best app like Chime! Because Ally makes it tremendously easy for you to get done with everyday banking and investing. And the app is really fast, secure, and completely free to use.

You can also open a checking and savings account, but it also provides mortgages, auto loans, a personal loan, retirement services, or invest in stocks, bonds, ETFs, mutual funds, and more!

Moreover, what makes it more interesting is its features. For instance, you can transfer money between your Ally bank accounts and accounts at other banks, view bills, see scheduled payments, review payment history, and even deposit checks with Ally eCheck Deposit.

How Does Ally Work?

To create an Ally account, you’ll have to be a citizen or a permanent resident of the United States, should be at least 18 years old, and have a social security number.

Then you’ll have to choose the account option you would like by entering some personal information and then selecting the funding option. Once they approve your account, you’ll get an email.

Its Online Savings Account has no monthly maintenance fee or minimum balance requirements, and the interest rate is combined daily. And it offers a rate of 0.50%, which is much higher than the national average of 0.06%.

Also, you get various options to add funds to Ally’s account. Not only that, but you can also send a mail check, transfer money from another Ally account, and even set a direct deposit with your employer.

Key Features

  • Ally savings account offers a rate of 0.50%, and interest is compounded daily.
  • No monthly maintenance fees or minimum balances on savings, checking, or C.D.s.
  • Ally has eliminated overdraft fees completely.
  • Access to over 43,000 fee-free AllPoint ATMs around the United States.
  • Early withdrawals are subject to penalties, up to 150 days of interest.
  • Reimburse charges from out-of-network ATMs, up to $10 per statement cycle.

Bank of America

Up next in our apps like Chime list, we have Bank of America. The Bank of America is an American multinational investment bank and financial services holding company.

Moreover, it can be the best option for those who can be able to bank in person, have access to bank ATMs, open a checking or saving account with a low opening deposit.

Not only that, but you can also manage accounts, such as a review activity in savings, checking and credit card accounts, view mortgage balance, auto loan balance, order checks, and even send alerts for important account information.

How Does Bank of America work?

You can create your Bank of America account on the website or your mobile device. After creating an account, you can execute online transfers, withdraw, deposit at an ATM, or deposit checks through your mobile device.

And being the world’s leading financial institution, it offers a wide range of lending products, deposit accounts, and investment choices that you can access.  

It offers three checking accounts – Advantage SafeBalance, Advantage Plus, Advantage Relationship. Advantage SafeBalance is a checkless account with a debit card that helps you with your budget.

Similarly, its savings account provides tiered interest rates. But it requires a $!00 deposit to open the savings account. And its monthly fee of $8 can be waived by keeping a minimum daily balance of $500.

Key Features

  • Using another bank’s ATM will cost $2.50 per transaction.
  • Open a checking or savings account for $100 or less.
  • Get rewards of higher rates for keeping a greater relationship with the bank.
  • It has one of the largest networks of branches and ATMs in the United States.
  • Take photos of checks to deposit them.
  • Ability to edit, Schedule, cancel payments.



For our next pick, we have NetSpend. It offers prepaid debit cards, such as Mastercard or Visa cards, which can be used to make in-store purchases, withdraw cash at ATM, and ability to shop online.

What makes it the best alternative to Chime is the features it offers, such as its direct deposit feature offers an easy way to add money to your Card Account and get paid up to two days faster.

Moreover, you can manage your account with the Netspend Mobile App. And you also get to do things like checking your Card Account balance and transaction history, loading checks directly to your Card Account, sending money to friends & family, and more.

How Does NetSpend Work?

In order to use NetSpend, you’ll require an I.D. verification, which requires your name, date of birth, address, and government I.D. number. Yet sometimes, they might ask you to show your driver’s license or other identifying information.

You can then access its features for completely free. But specific other costs and transaction fees, terms, and conditions are linked with the use of this Card. Use these cards to pay for shopping, pay online bills, refill your gas tank and withdraw cash from ATMs.

If you want a better experience, you can subscribe to its paid plans. Its subscription plans – NetSpend FeeAdvantage Plan and NetSpend Premier FeeAdvantage plan costs $5.00 and $9.95 per month, respectively.

Key Features

  • Usually charges a $1 transaction fee whenever you use a credit card.
  • Fees for cash withdrawals at ATMs usually depend on location.
  • Provides commercial prepaid cards, prepaid debit cards, prepaid debit Visa and Mastercard.
  • Prepaid business card lets you separate personal expenses from business expenses.

Wells Fargo


Last but not least, Wells Fargo is another amazing American financial service that operates in over 35 countries. Through the app, you can view your account activity, transfer funds, pay bills, manage accounts, deposit checks, track investments, and more.

Besides its personal deposit accounts, it offers several other products, many rewards, and cashback credit cards. And its investment services comprise automated and self-directed investing.

Wells Fargo can be the best choice for you, if you have a well-established traditional bank account, can easily keep a minimum balance in your savings and checking accounts to avoid fees, and wish to use QuickBooks Online, Mint, or TurboTax to handle your financial services.

How Does Wells Fargo Work?

Get started with Wells Fargo by creating an account online or in a bank branch. After that, it provides an immediate application status response through which you can take care of your banking needs online.

And when it comes to checking accounts, it offers different accounts, each requiring a $25 minimum initial deposit. It charges a $10 monthly service fee, which can be waived if you have $500 or more in total qualifying direct deposits each statement period, or keep a minimum $500 daily balance.

Its offers two different savings account – Way2save and Platinum Savings. Both of these accounts need a $25 minimum initial deposit and the Way2Save Savings has a $5 monthly service fee.

This monthly service fee can be waived if you have a $300 minimum daily balance, or make an automatic transfer of $25, or make an automatic transfer of $1 or more.

Key Features

  • It has approximately 4,900 branches and over 12,000 ATMs.
  • Charges a $35 overdraft fee for its Debit Card Overdraft Service.
  • Monthly fees can be waived on some checking and savings accounts when you meet a few requirements.
  • All Wells Fargo accounts are FDIC insures up to $250,000 per depositor.

Final words: Best Apps Like Chime!

So, these are the best apps like Chime that you can try. Check out these services and figure out which one offers the best features or meets your requirements!

If you find it difficult to choose one, you can choose an app that has no overdraft fees, offers free or inexpensive transfers, cash back, or other rewards, and the one with free ATM withdrawals.

Not to mention, security also plays an important role! Because controlling your credit or debit card through a mobile app is extremely useful if you lose it. Finally, we hope you have selected the perfect Chime alternative according to your preference.

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