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 Read Discover Bank Review
	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
Money Market
Pros & Cons	Pros: No account fees Get paycheck 2 days early Up to $200 overdraft coverage Cons: Hard to deposit cash	Pros: High yield No fees 24/7 customer service
Bottom Line	Banking app that offers an online account with early paycheck access and credit builder features... Read full review	Solid online bank with high APY rates and good customer service... 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.

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

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 vs Bank of America

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 Discover Bank

Discover Savings Review

Discover® Bank offers high interest rates on its online savings and CD accounts. But there are downsides. Here's what you need to know before you open an account.

• Discover Bank vs Wells Fargo

Discover Savings

Make your money work with Discover® Bank high yield savings: high interest, no fees. Find out its benefits, drawbacks, and the easy way to open an account.

Discover CD Rates Reviews

Maximize returns with Discover® Bank lucrative CD rates - no hidden fees. Read this detailed review.

Discover Bank Locations

Wondering if there is a Discover® Bank near you? Read this article to find out.

Who Owns Discover

You've probably heard of Discover credit cards, but what exactly is Discover® Bank? Is it a legitimate bank? Read on for all the details.

Is Discover Bank a Good and Real Bank

Looking for a safe bank with great rates? This analysis of Discover® Bank reveals all - is it legit? Find out now.

Is Discover Savings Worth It

Is your money secure in a high-yield Discover® savings account? Get your answers now.

Which Do You Think is Best?

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