In addition, Chime offers a unique feature called “Round Ups” that you can opt into. They also offer a debit card you can use anywhere Visa is accepted.Ĭustomers can also sign up for direct deposit, receive notifications when their account balance goes below a certain amount, and receive their paycheck with direct deposit up to two days early^. It’s not a bank, but they offer checking and saving accounts through The Bancorp Bank or Stride Bank N.A. Will I ever be charged an overdraft fee?Ĭhime is a financial technology company (“fin-tech”) founded by CTO Ryan King and CEO Chris Britt in 2012.How does Chime Credit Builder build credit?^^^^.Secured Chime Credit Builder Visa® Credit Card.