Chime vs Ally Bank
Chime is a banking app that offers an online account with early paycheck access and credit builder features. How does it compare to Ally Bank? Read our comparison chart below.
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| Learn More | Learn More | |
Chime | Ally Bank | |
|---|---|---|
Get Started - | Online Savings Account - 3.50% APY - | |
Benefits and Features | ||
| Savings | 1.25% Annual Percentage Yield (APY).
 | |
| CD | 3.00% to 3.90% APY. Terms of 3 months to 5 years. 12-month CD APY of 3.85% | |
| Checking | No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees | 0.10% APY for daily balances less than $15,000. 0.25% APY for daily balances over $15,000 |
| Monthly Fee | ||
| Money Market | ||
| Minimum Deposit to Open | ||
| Mobile App | ||
| ATMs | Over 50,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs | 75,000+ no-fee Allpoint and MoneyPass ATMs |
| Customer Service | ||
| Locations | ||
CreditDonkey® Reviews | ||
| ||
| Savings |  | |
| Checking | | |
| Mobile App | | |
| Customer Service |  | |
| Pros & Cons | Pros:
| |
| Bottom Line | Banking app that offers an online account with early paycheck access and credit builder features... | |
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. Ally Bank: Pricing information from published website as of 08/29/2025. | ||
Which is Better: Chime or Ally 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 Chase.
Articles on Chime
Chime
Chime has no monthly fees, so what's the catch with the app? Find out how you can get paid two days early and grow your savings.
Chime Locations
Chime is a popular fintech company with no physical branches. But how do you access your money? Keep reading to find out.
Online Banks Like Chime
Discover the best Chime competitors that can offer you better rewards and a wider range of account options.
Articles on Ally Bank
Ally No Penalty CD
Ally Bank's No Penalty CD offers a competitive APY without early withdrawal penalties. Learn more about this CD here.
Ally Bank Locations
Ally is an excellent online bank with no physical locations. So, how can you access your funds? Read on to find out.
Ally High Yield Savings
Ally Savings offers a strong APY and various savings tools to help you boost your funds. Read on to find out more.
Ally Bank Problems
Ally Bank is well-known for having attractive APYs and practically no fees. But, what's the catch? Read on to know what nuisances you may encounter.
Ally Savings vs Money Market
Ally's Money Market and Savings accounts boast high APYs with no hidden fees. But, how do they differ? Read on to find out.
Ally Bank CD Rates
Ally Bank CD accounts offer high APYs and require no minimum deposit. But what is the catch? Learn more about Ally CD rates in this review.
Ally Bank Routing Number
Looking to transfer money in or out of your Ally account? You'll need the right routing number. Find your Ally routing number and learn more about money transfers in our guide.
Which Do You Think is Best?
Which Bank Account is Right for You?
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