Online Banks Like Chime: 15 Alternatives to Chime

Personal banking has evolved far beyond traditional bank branches and monthly paper statements. Modern consumers want mobile-first accounts, instant notifications, faster money movement, lower fees, and tools to build financial freedom right from their phones.

This radical shift has made online banks like Chime leaders in the digital finance movement—helping millions manage money with speed, clarity, and control.

But Chime isn’t the only star in the online banking galaxy. Whether you’re looking for unique financial features, enhanced savings tools, streaming-fast cash advances, or global payment flexibility, there’s an ecosystem of online bank apps like Chime at your fingertips. 

Here, we showcase 15 of the top chime alternatives—each offering its own spin on digital banking. From cash advance specialists to savings innovators and fintech banks with global reach, you’ll discover the right match for how you bank today.

What is Chime?

Chime is one of the most popular online bank apps like Chime, designed to make money management simple and accessible from your smartphone. Unlike traditional banks, Chime operates with no physical branches, instead focusing on providing users with a streamlined digital experience.

Its core features include a fee-free checking account, early access to direct deposit paychecks, a high-yield savings account, and innovative perks such as SpotMe, which covers overdrafts up to a set limit without charging a fee.

Chime’s entire system is built to avoid hidden fees: there are no monthly account fees, no minimum balance requirements, and no overdraft charges. Real-time notifications alert you to every transaction, while its mobile-first design prioritizes ease of use, fast account set-up, and instant alerting for spending, savings, and deposits.

With built-in savings automation and credit-building tools, Chime has become a go-to for digital natives tired of old-school banking friction.

15 Best Online Bank Apps Like Chime

Ready to take your money online? Explore these 15 chime alternatives where you’ll find everything from cash advances to investing, robust savings to global transfers—all delivered in the style of the best online bank apps like Chime.

1. Beem – Cash Advance App

Beem is much more than a cash advance platform—it’s reimagining the meaning of financial backup in the world of online bank apps like Chime. With Beem, users can instantly access Everdraft™ cash advances ranging from $10 up to $1,000, without any credit check, interest, or hidden fees. 

Repayment is totally flexible, adapting to your specific payday or inflows, and you won’t get stung by late charges.

What puts Beem atop this list of online bank apps like Chime is its packed toolkit: you get budgeting resources, free credit monitoring, insurance offers, cashback on everyday purchases, and robust financial education content.

The instant access to needed funds—plus no intrusive eligibility hoops—makes Beem the perfect ally for modern spenders who never want their plans stalled by low balances.

2. Axos Bank

Axos Bank is a veteran in the digital-only banking space, continuously ranked among the best online bank apps like Chime. It features high-yield checking and savings account options with no monthly maintenance fees, unlimited domestic ATM fee reimbursements, and a specialized rewards checking account that rewards strong financial habits.

What really sets Axos Bank apart among online bank apps like Chime is its customizable product suite—pick accounts designed for frequent savers, frequent spenders, or even for teens and businesses. The app delivers fast mobile check deposits, real-time alerts, bill pay features, and round-the-clock digital security, positioning it as a serious long-term banking partner.

3. Capital One

Capital One offers two distinct paths within online banks like Chime—its regular Capital One online accounts and the enhanced 360 suite. Whether you’re opening a 360 Checking or 360 Performance Savings, both accounts boast zero fees, early direct deposit, and intuitive mobile experiences. Plus, its “CreditWise” tools give you instant insight into your credit health.

For savers, spenders, and budgeters, Capital One’s frequent rewards, linked card options, and extensive ATM network make it a robust and friendly name in the online bank apps like Chime space.

Capital One delivers a hybrid of digital-first experience with banking muscle, making it a powerful entry among online bank apps like Chime. Its 360 Checking and 360 Savings accounts are celebrated for their zero monthly fees, easy mobile transfers, early direct deposit, and super-simple mobile app. 

While you still have the option of visiting physical branches, most users enjoy a fully digital user experience with mobile check deposits, instant account notifications, and automatic savings plans.

If you want both a robust mobile interface and the security of a nationwide bank network, Capital One sits high among online bank apps like Chime with user-friendly budget tools, customizable account alerts, and easy linking to its competitive credit cards and loan products.

4. Discover Bank

Discover Bank’s digital platform is not just about savings—its cashback debit card rewards you for spending and delivers custom insights on financial habits. With the security and reach of a major U.S. brand, Discover’s online bank apps like Chime also promise fee-free overdraft protection, generous bonuses, and top-tier customer service.

Discover Bank belongs on any list of online bank apps like Chime for its fee-free, high interest savings options and mobile-first user experience. Its checking and savings accounts come with no monthly fees, access to 60,000+ no-fee ATMs, and features like bill pay, Zelle integration, and instant notifications for balance and activity.

As one of the most respected online bank apps like Chime, Discover brings the trusted Discover brand to digital banking—with friendly customer service, competitive CD rates, and a slick mobile platform. Discover’s cashback debit card is a standout feature, rewarding you for daily spending while you manage and monitor all your finances in one secure place.

5. Ally Bank

Ally Bank has long set the bar for online bank apps like Chime, built for users who want powerful mobile banking with stellar savings rates. Ally offers both high-yield savings and interest-bearing checking—all without monthly maintenance fees or minimum deposits.

Its app provides real-time account alerts, mobile check deposit, seamless payments, and smart spending visualizations.

The edge Ally Bank brings to online bank apps like Chime is its focus on all-around financial health: users can save with automatic boosters, use in-app tools to set goals, and even access marketplace investing, making it a single destination for your money—from basic banking to wealth-building.

6. Current

Current is one of the fastest-growing online bank apps like Chime, purposely designed for mobile-first users and digital nomads. Real-time push notifications, instant money transactions, and early direct deposit are hallmarks, along with fee-free overdraft protection for qualifying users.

The app helps you organize your finances with spending insights, “Savings Pods” for goals, and powerful budgeting features.

Where Current stands out among online bank apps like Chime is its social feel—features such as instant money sending between users, reward points, and a friendly user interface make money management feel modern, personal, and fun.

7. Varo Bank

Varo Bank is a direct competitor and one of the strongest online bank apps like Chime, proudly offering a fully digital experience with no monthly fees, savings APYs that rival traditional banks, and early direct deposit by up to two days.

Varo’s credit-builder card, simple account set-up, and fast customer support set it apart, especially for users looking to repair their financial reputation.

Varo Bank users enjoy instant alerts, free overdraft up to $50, mobile check deposit, and easy peer payment integrations, making it a seamless fit for paychecks, bill pay, and daily transactions—all in the world of online bank apps like Chime.

8. OneMain Financial

OneMain Financial sets itself apart from many online bank apps like Chime by specializing in personal installment loans for those who may not have perfect credit. Its secure mobile app allows users to manage loans, make payments, track balances, and schedule future payments—all without setting foot in a branch.

While not a direct alternative for transaction accounts, OneMain Financial supplements your digital finances by filling in credit gaps, which can be an essential feature for anyone using online bank apps like Chime who occasionally needs reliable, flexible access to larger amounts of cash.

9. Revolut

Revolut is truly global and belongs atop the world’s most flexible online bank apps like Chime. With its multi-currency accounts, interbank exchange rates, crypto integration, budgeting tools, and instant spend notifications, Revolut transforms your phone into a hub for both banking and travel.

Users can spend or send money in dozens of currencies, access no-fee international withdrawals, and even invest—all in the same app. If you need your online bank apps like Chime to work wherever you go, Revolut brings international power and lifestyle-boosting features to your pocket.

10. SoFi

SoFi is more than an online bank—it’s a full-stack financial platform that redefines online bank apps like Chime with its hybrid of checking, savings, loans, credit cards, and investing. You can open an account in minutes, enjoy fee-free banking, set extra-high APY savings, and get even more with automatic round-up savings and financial planning tools.

What catapults SoFi as a leader among online bank apps like Chime is its “SoFi Relay” for credit, spending, and investing insights, plus perks like career coaching, insurance offers, and referral bonuses. If you want your bank to be your one-stop shop for building wealth, SoFi delivers.

11. Quontic

Quontic is an innovative online bank offering an array of digital accounts, including checking, savings, and home loans. As one of the first online bank apps like Chime to introduce wearable payment rings and robust interest-bearing options, Quontic focuses on rewarding financial diversity and supporting underbanked communities.

You’ll find competitive rates, a digital-first platform, real-time mobile alerts, and specialty accounts for small business owners—all wrapped up in an online bank app like Chime that’s eager to challenge convention with every update.

12. NBKC Bank

NBKC Bank is featured on this list of online bank apps like Chime due to its commitment to simple, fair, and flexible digital banking. With no hidden fees, unlimited ATM refunds, a straightforward apps interface, and high customer satisfaction scores, NBKC proves that minimal fuss can mean maximum value.

The NBKC Bank checking account provides all the mobile-first benefits you expect in online bank apps like Chime: instant setup, account monitoring, mobile deposits, free bill pay, and robust account security with user-friendly support.

13. EverBank

Formerly TIAA Bank, EverBank is a digital banking innovator with strong support for savers and global travelers. Its mobile platform offers high-yield checking, interest-earning savings, and global ATM coverage for users on the move. EverBank’s online bank apps like Chime design ensures real-time alerts, mobile check deposit, customized goals, and a simple, modern interface.

EverBank’s unique accounts, including foreign currency CDs, are especially attractive for users who need international accessibility together with industry-beating interest rates.

14. Acorns

Known for “investing your spare change,” Acorns has also become a respectable player in the online bank apps like Chime space. Beyond autoinvesting small amounts as you spend, Acorns offers a Smart Checking account, mobile deposits, direct deposit, and access to over 55,000 fee-free ATMs.

Acorns is perfect for users who want to combine day-to-day money management with seamless, hands-off investing—all inside an online bank app like Chime that encourages growth and long-term wealth creation.

15. Bank5 Connect

Bank5 Connect delivers secure, high-rate online savings and checking with a pure digital focus. It’s one of the most straightforward online bank apps like Chime—think no monthly account fees, no minimums, competitive APYs, and free access to thousands of ATMs.

The app is custom-built for simple check deposits, real-time account monitoring, and convenient, safe transfers.

For minimalists or savers wanting to supercharge their returns and skip in-person banking headaches, Bank5 Connect is a top choice among online bank apps like Chime.

How to Choose the Best Online Bank Apps Like Chime

Finding the right app is about more than just fee-waivers and pretty interfaces. Here’s what to weigh:

• Account Fees & Structure: Does the app really offer no monthly fees? Look for transparent pricing.
  
• Cash Access: Can you deposit and withdraw funds without hassle (ATMs, instant transfers, cash deposits)?
  
• Savings Options: Are there competitive APYs and automated savings tools?
  
• Overdraft Features: Is overdraft covered, fee-free, or just blocked?
  
• Credit Support: Can you build or monitor your credit?
  
• Customer Service: Is support helpful and responsive—via chat, phone, or email?
  
• Unique Perks: From rewards and cashback to ethical or environmental features, look for added value.

Chime FAQs

Final Thoughts

The world of online bank apps like Chime is filled with innovative features, personalized money management, and freedom from legacy banking headaches. 

Whether you crave instant cash access, powerful savings, global spending options, or simply a banking experience that adapts to your lifestyle—not the other way around—this list introduces exceptional apps ready to reinvent your finances.

Explore these platforms to find the best fit for your priorities, knowing that the future of banking is mobile, flexible, and built for you.