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.

	Chime	Discover Bank
	SPECIAL OFFER Get Started - Learn More Read Chime Review	SPECIAL OFFER Online Savings Account - Earn 3.40% APY - Learn More
	Benefits and Features
Savings	1.00% Annual Percentage Yield (APY).	3.40% APY
CD		2.00% to 4.05% APY depending on terms
Checking	No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees
Monthly Fee	$0
Minimum Deposit to Open	$0
Mobile App	iOS & Android	iOS & Android
ATMs	Over 50,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs	Over 60,000 no-fee ATMs
Customer Service	24/7	24/7
Locations	Online only	Online Only
	CreditDonkey® Reviews
Savings
Checking
Mobile App
Customer Service
Pros & Cons	Pros: No account fees Get paycheck 2 days early Up to $200 overdraft coverage Cons: Hard to deposit cash
Bottom Line	Banking app that offers an online account with early paycheck access and credit builder features... Read full review
	Get Started Personal Checking Account - $350 Bonus Personal Checking Account - $200 Bonus	Online Savings Account - Earn 3.40% APY Discover® CD Rates
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 11/12/2025.

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