Chime

Chime Financial, Inc. is a financial technology company headquartered in San Francisco, California.
==History==
Chime was founded in 2012 by Chris Britt and Ryan King. The company served as an alternative to traditional banking with a mission of creating financial peace of mind. The company launched publicly on April 15, 2014.
In early 2018, Chime acquired Pinch, a startup focused on helping millennials and young adults build their credit scores by reporting on-time rent payments to credit bureaus. Pinch's co-founders also joined Chime's team as a part of the acquisition.
In April 2020, in response to the financial strain of the COVID-19 crisis, Chime announced a pilot program to provide users who e-filed tax returns with the IRS a $1,200 advance on the Economic Stimulus Payment via SpotMe, Chime's fee-free overdraft product. Chime later announced the successful processing of over $375,000,000 in stimulus payments one week ahead of the scheduled government disbursement date.
By November 2022, Chime announced that is laying off 12% of its workforce.
==Benefits==
*No monthly fees: Other banks such as Chase and Bank of America for example charge a monthly fee for using the account, but Chime has no monthly fee policies.
*No minimum balance required: Major bank brands require a minimum balance to keep the account intact, but Chime won't hurt, even if your balance is at zero.
*No overdraft fees: Other banks will charge you for being at a negative balance. Depending on which bank, the overdraft fee varies. Chime will cover you for up to $200 in overdrafts.
*No ATM fees: Using a debt card or credit card with other affiliates will charge you fees for using ATMs. Don't fall for the trap! Chime won't hurt if you use an ATM.
*Get paid two days in advance with direct deposit: For basic banks, you'll get paid every Friday. With Chime, you'll get paid two days earlier.
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