Chime
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This is the best online bank
No silly fees ..fast direct deposits and excellent app ...Only downside is the ATM fees when you are traveling international..The app is one of the best designed app I have ever seen ...Much better than the one in bank of america ...Also it provides more insights into all the transactions ...I wish they had the option of depositing cash ..They are working on it but its still not available ..I also love the mobile deposit options on their app ...
Terrible support
When I first heard about chime I was really excited about them. I love online-only banks because they are really convenient for my mobile life. When I signed up using the app, I immediately had a huge issue. It wouldn't let me attach my card to the account. I tried to contact support, as I was unable to utilize my account, and they didn't reply to me for over two weeks. When they finally did reply they apologized but it left a bitter taste in my mouth and I decided to no longer use them.
Data as of Q2 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 35444 |
| Year Established | 2000 |
| Employees | 546 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.51% |
| Return on Equity - YTD | 22.41% |
| Annual Interest Income | $59.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2017vs Q2 2016 | $4.31B$4.39B |
| Loans | Q2 2017vs Q2 2016 | $2.21B$2.09B |
| Deposits | Q2 2017vs Q2 2016 | $3.89B$4.07B |
| Equity Capital | Q2 2017vs Q2 2016 | $324.4MM$272.2MM |
| Loan Loss Allowance | Q2 2017vs Q2 2016 | $7.4MM$5.4MM |
| Unbacked Noncurrent Loans | Q2 2017vs Q2 2016 | $47.5MM$57.3MM |
| Real Estate Owned | Q2 2017vs Q2 2016 | $32.7MM$8.5MM |
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Chime is an Internet only bank and does not have branch locations. Its headquarters is located at 409 Silverside Road - Wilmington, DE 19809