Chime – Mobile Banking vs Cash App Utilisation & Stats

Chime is The Most Loved Banking App®. Get Paid When You Say with MyPay™, overdraft fee-free with SpotMe®, and improve your credit with Credit Builder. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. The Chime® Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. May be used everywhere Visa cards are accepted. SAFE AND SECURE Stay in control of your money with instant transaction and daily balance alerts. Plus, enable two-factor authentication and block your card in a single tap. GET PAID WHEN YOU SAY™ Access up to $500^ of your pay any day you want with no credit check, no interest~, and no mandatory fees with MyPay. Get it for free within 24 hours, or instantly for only $2 per advance. OVERDRAFT UP TO $200* When your balance is running low, the last thing you need is an overdraft fee. Eligible members on Chime can overdraft up to $200* on Chime debit card purchases and in-network ATM withdrawals fee-free. SAY GOODBYE TO MONTHLY FEES Your Money Shouldn’t Cost Money.TM Chime has no monthly fees, minimum balance fees, or foreign transaction fees. Plus, access 50k+ fee-free‡ ATMs at locations like Walgreens, 7-Eleven, CVS, and more. MEET CREDIT BUILDER, A NEW WAY TO BUILD CREDIT Use the Credit Builder card¹ to increase your FICO® Score by an average of 30 points² with regular on-time payments. No interest**, no annual fees, no credit check to apply. PAY ANYONE WITH NO TRANSFER FEES Send money to friends, family, or roommates as fast as a text – with no transfer fees. ––––– MyPay™ line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. ^MyPay is a line of credit. Available limits estimated are based on income and risk-based criteria and range between $20 – $500 per pay period. Chime Checking Account and qualifying direct deposits required to be eligible for MyPay. MyPay is currently only available in certain states. Terms and conditions apply, see www.chime.com/mypay for details. ~Option to get funds instantly for $2 per advance or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details to www.chime.com/policies. *SpotMe® on Debit eligibility requirements apply. Overdraft with debit card only applies to debit card purchases and cash withdrawals. Limits start at $20 and may be increased up to $200. ‡Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. ¹Chime Checking Account and $200 qualifying direct deposit required to apply for the secured Chime Credit Builder Visa® Credit Card. ²Avg 30 point FICO® Score 8 increase over time with regular on-time payments. Results may vary, see Chime.com/disclosures for details. **Out of network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreement for details; see back of card for issuer Address: 101 California Street, Suite 500, San Francisco, CA 94111, United States. No customer support available at HQ. Customer support details available on the website.

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Cash App

Cash App is the easy way to spend, save, and invest your money.* Make free P2P payments and send anyone cash or bitcoin* instantly with Cash App. Buy bitcoin and send it globally without any fees through Lightning Network. Experience a faster, simpler way to bank.* Set up direct deposits and access your paycheck up to 2 days early. Upgrade your virtual wallet with a prepaid, customizable debit card.** Access exclusive discounts instantly when you shop in person and online with your Cash App Card. Save money on everyday spending with Cash App Pay and shop with ease directly in the app. Invest change by rounding it up to the nearest dollar. Make stock and ETF investments without commission fees and access the latest stats on earnings. Or round it up and invest it into bitcoin. Do more with your money and download Cash App today. CASH APP FEATURES P2P PAYMENTS • Send & receive money or bitcoin for free instantly • Quick pay transactions using a phone number, email, $cashtag or QR code • Get paid & keep your money safe with advanced security features CUSTOMIZABLE DEBIT CARD* • Your debit card works anywhere that Visa® is accepted, with no hidden fees • Upgrade your virtual wallet with a personal & customized card • Check out securely. Receive real-time transaction alerts & fraud monitoring SIMPLIFIED BANKING SERVICES* • Set up direct deposits & receive your paycheck up to 2 days early • Take advantage of no monthly balance minimums or activity requirements • Waived ATM withdrawal fees when you deposit $300 or more monthly • No overdraft fees & up to $50 in free overdraft coverage on Cash App Card transactions when you qualify SAVINGS & EXCLUSIVE DISCOUNTS*** • Unlock interest on your savings when you sign up for Cash App Card (1.5% APY) • Receive up to 4.5% APY when you direct deposit $300 or more monthly • Round up your spare change to the nearest dollar to start saving • Save money with exclusive discounts and access to top brands & events STOCK & BITCOIN INVESTMENTS**** • Get paid in bitcoin by setting up direct deposits • Buy stocks & bitcoin with custom orders or auto invest • Invest with analyst opinions, earnings stats & market trend alert Cash App offers simplified financial services for everyone 13 and up with an account sponsored by a parent or guardian.***** Download Cash App today & create an account in minutes. — *Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Brokerage services by Cash App Investing LLC, member FINRA/SIPC, subsidiary of Block, Inc. Bitcoin services provided by Block, Inc. Trading bitcoin involves risk; you may lose money. P2P services and Savings are provided by Block, Inc. and not Cash App Investing LLC. **Free cards come in black or white. ***To earn the highest interest rate on your Cash App savings balance, you need to be 18 or older, have a Cash App Card, and direct deposit at least $300 monthly into Cash App. Sponsored Accounts are not eligible to earn interest. Other exceptions may also apply. Cash App will pass through a portion of the interest on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Savings yield rate is subject to change. ****Investing involves risk; you may lose money. Cash App Investing LLC does not trade bitcoin and Block, Inc. is not a member of FINRA or SIPC. This is not a recommendation for you to transact in securities. Fractional shares are not transferable. For additional conditions and limitations, see the Cash App Investing LLC Customer Agreement. Regulatory and external transfer fees may apply, see the House Rules. Cash App Investing LLC is not a bank. *****Eligible parents and guardians can sponsor up to four (4) teens who are 13 or older. Contact Cash App Support by phone at (800) 969-1940 or mail at: Block, Inc. 1955 Broadway, Suite 600 Oakland, CA 94612