While they may appear similar, there are some key differences between Chime and SoFi bank  While SoFi allows you to keep all savings and checking funds in one account, Chime allows you to have multiple separate accounts. This makes it easier to manage your money. Additionally, while you may earn up to 4.50% on all funds in your SoFi account, you’ll only earn 2.00% on your Chime savings.  That makes SoFi a bit better option – our rating for SoFi bank is 4.5, higher than Chime.