Chime accounts do not have monthly maintenance fees. The Spending and Saving account are completely free. There is not an overdraft fee or a monthly maintenance fee. There is no minimum balance required to keep in the account.

On the Chime app is a Pay Friends feature. You can send money to others instantly. You must have the person’s name, phone number, or email to transfer money. The intended person must have a Chime account or be approved for a Chime Spending account. You can only send up to $2,000 each month with this feature.

Chime offers an Automatic Savings tool. Each time you use your Chime debit card the amount rounds up to the nearest dollar. The extra amount is automatically transferred to your Chime Savings account. With direct deposit, you can have ten percent of your check automatically deposited into your savings account.

When you open a Chime account, they do not check your credit score or ChexSystems. If you have bad credit or no credit you can still be approved for a Chime account. Applying for a Chime account will not hurt your credit score.

Chime only offers a Spending account and a Savings account. The savings account with Chime does not earn a competitive interest rate. It does earn a small percentage of interest, but the rate is lower than traditional bank rates. The rate is not competitive with online or traditional bank interest rates. The checking account does not earn interest.

Chime offers 38,000 fee-free ATMs. If you use an ATM not included in the Chime network, you are charged a fee of $2.50 per ATM transaction. There is also a $2.50 fee for over the counter cash withdrawals. Chime does not reimburse these fees.

Most banks offer some type of overdraft protection. Chime does not. There is not a fee for over-drafting your account. But, if you do not have sufficient funds to cover the purchase, the transaction will not go through. You must have enough money in your account to cover transactions.

Chime limits the amount you can withdraw and spend with their Visa debit card each day. You are only allowed to withdraw $500 each day from an ATM, cash back during a point of sale transactions, or by an over-the-counter withdrawal. You are only allowed to make $2,500 in purchases with the debit card per 24 hours. The 24-hour period starts once the transaction is complete. Each of these different ways applies to the $2,500 allowed each day. No matter how you spend or withdraw the money, it cannot exceed $2,500 per 24 hours. Payments from the Chime Checkbook cannot exceed $10,000 in one month. You cannot make a check payment over $5,000.

Read the full Chime review.

FirstBank offers a checking account for anyone over 55 years old. This account earns interest. There is no minimum balance to earn interest or required to keep in the account. This account does not have any fees, and direct deposit is not required.

The Anywhere Accounts are a savings and checking account. Both of these accounts do not have monthly fees. There is no minimum balance required to keep in the account. You can sign up to have money from transactions rounded up to the nearest dollar. The difference is deposited into your Anywhere eSave Savings account. Those transactions include debit transactions, bill pay, or other electronic transfers.

FirstBank offers accounts for businesses. Checking and money market accounts are available. There is a checking account offered specifically for nonprofits. There are no fees for the nonprofit checking and the basic business checking. The other accounts have a monthly fee.

Not just personal deposit accounts are available at FirstBank. Personal credit cards, home equity loans, and personal construction loans are available. Health Savings Accounts and accounts to help save for college are also offered.

Most FirstBank accounts have a monthly fee. The fees range from $5 to $20. The debit card has a yearly fee of $10. You are only allowed 25 deposits into the eSave Savings account per month. You are charged $0.10 for each item over 25.

Account interest rates at FirstBank are not competitive with other online banks. The interest rates are similar to your typical bank rates.

FirstBank offers products and accounts in Arizona, California, and Colorado. They have over 115 branch locations in these three states with over 200 ATMs. To open an account, you must live in one of these three states.

Online banking with FirstBank is only free if you sign up to receive electronic statements. The fee is $3 each month if you do not sign up. The money will be automatically withdrawn from your checking account on the first day of each month. If you want to receive paper statements, you must keep $10,000 in FirstBank accounts to waive the monthly fee.

Read the full First Bank review.