Talking about Pros, Chime does have market competitive savings annual percentage yield (APY). Its savings tools are automated for helping users to improve their financial habits. Instant deposits before two days of actual payday. Large access to ATM network and credit building options without any fee.
As far as the cons are concerned, Chime does not have any branches for in-person service. Also, the mobile check deposit feature is only allowed if you are already signed up for a direct deposit.