WebJan 12, 2024 · Launched in 2014, Chime boasts no monthly fees and no minimum balance, plus a fee-free overdraft product called SpotMe that allows most members to overdraw on debit card purchases up to $200. Features like these, Plante says, make it ideal for Americans who live paycheck to paycheck. WebJun 12, 2024 · Chime's growth won't be hampered by its lack of bank branches, Britt said. Customers can access 38,000 ATMs and call a help line for times when problems can't be solved through the bank's mobile app.
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