Chime vs Discover Bank
Chime is a banking app that offers an online account with early paycheck access and credit builder features. How does it compare to Discover Bank? Read our comparison chart below.
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| Learn More | Visit Site | |
Chime | Discover Bank | |
|---|---|---|
Get Started - | Discover® Online Savings - $200 Cash Bonus - | |
Benefits and Features | ||
| Savings | 1.25% Annual Percentage Yield (APY).
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| CD | 2.00% to 4.00% APY depending on terms | |
| Checking | No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees | |
| Monthly Fee | ||
| Minimum Deposit to Open | ||
| Mobile App | ||
| ATMs | Over 50,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs | |
| Customer Service | ||
| Locations | ||
CreditDonkey® Reviews | ||
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| Savings |  |  |
| Checking | |  |
| Mobile App | | |
| Customer Service | | |
| Money Market | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Banking app that offers an online account with early paycheck access and credit builder features... | Solid online bank with high APY rates and good customer service... |
| Learn More | Visit Site | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Chime: Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Discover Bank: Pricing information and data points from published website as of 09/30/2025. | ||
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY925 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/12/2026, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.
Discover® Online Savings - $150 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY925 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/12/2026, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.
Online Savings Account - Earn 3.40% APY
- No fees
- No minimum opening deposit
- No minimum balance required
Which is Better: Chime or Discover Bank?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Chime or Bank of America.
In short: Chime's checking is excellent. Discover Bank's customer service is outstanding.
Articles on Chime
Chime
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Articles on Discover Bank
Discover Savings Review
Discover Savings
Discover CD Rates Reviews
Discover Bank Bonus
Discover Savings Account Bonus
Discover Bank Locations
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Which Do You Think is Best?
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