Chime is a financial technology company that offers simplicity as its primary feature. It has a single checking and savings account with a debit card. SoFi has many more financial products and offers a combined checking and saving account that earns up to 0.50% (as of Aug. 2, 2023) APY with direct deposit. Deciding to use SoFi or Chime comes down to personal preference and what works best for your situation. Research each option and then pick the one that best fits your circumstances.