Chime Fees
NeobankComplete fee breakdown for Chime and how it compares to zero-fee alternatives.
Fee Breakdown
Common Fees
Monthly Maintenance:
$0/month
Overdraft Fee:
$0
ATM Fee (out-of-network):
$0
Wire Transfer:
$15
Minimum Balance:
$0
Annual Cost Calculator
Monthly fees (×12): $0
Overdrafts (2×/year): $0
ATM fees (1×/month): $0
Annual Total:
$0
With Holdings: $0
Pros & Cons
Pros
- ✓ No overdraft fees
- ✓ Large ATM network
- ✓ Early payday
Cons
- ✗ No physical branches
- ✗ Limited business services
- ✗ No wire transfers
Key Features
No monthly fees
60,000+ free ATMs
Early direct deposit
Business Banking
- • Personal accounts only
- • No business banking
- • Limited services
Compare with Holdings
| Feature | Chime | Holdings |
|---|---|---|
| Monthly Fee | $0 | $0 |
| Overdraft Fee | $0 | $0 |
| ATM Fee | $0 | $0 |
| Wire Transfer Fee | $15 | $0 |
| Minimum Balance | $0 | $0 |
| APY | 0.01% | 1.75% |
| Business Tools | Basic | Full Suite |
| Annual Cost | $0 | $0 |
Ready to Eliminate Banking Fees?
Join thousands who've eliminated banking fees with Holdings. Zero fees, 1.75% APY, and built-in business tools.