I’ve never written about Chime on the site before, and it’s long overdue. This is the banking product I have been using for my checking for several years now and I have absolutely zero complaints. Chime offers lots of great perks to checking account holders (like me), including no monthly fees, no overdraft fees (and a free overdraft line of credit of up to $200), free debit card, and my favorite…early posting of direct deposits. My direct deposits always arrive about a day early. Other banks get the info about your pending direct deposits and they sit on the deposit until the scheduled release date. Chime doesn’t do that; when they get your money, they deliver it straight to you without delay.
Even better, when you sign up through my link and set up and receive your first qualifying direct deposit within 45 days of account opening, both you and I will get a $100 bonus. Even better, once you’re set up, you can start referring friends and making more money too!
Also, once you’ve set up this account and received a direct deposit of $200 in it, you can also apply for their no-credit check secured credit card. It has no interest, no annual fee, and no required minimum security deposit. Of course, this particular product is for folks that need to rebuild their credit. However, the checking account is a great product for people with all types of credit, from down in the toilet all the way up to the prime levels.