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Chime – Mobile Banking
Chime – Mobile Banking Vs. Varo Bank: Mobile Banking

Chime – Mobile Banking vs. Varo Bank: Mobile Banking Utilizzo e statistiche

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. +Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. *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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#115

Varo Bank: Mobile Banking

No fees¹, fast access to cash⁸, and safe credit-building². All from a FDIC-insured bank built to get you ahead. Protect Your Money • No surprises— Every dollar you deposit stays with Varo, not a third-party bank. • Varo Bank Accounts are FDIC insured up to $250k per depositor, per ownership category. Keep More of Your Money • No Monthly, Minimum Balance or Overdraft Fees¹ • 40,000+ U.S. fee-free Allpoint® ATMs¹⁰ • Auto-saving tools • Grow your money with a high-yield savings account that provides up to 5% APY⁴ Get Money Faster • Get paid up to 2 days early³ • Borrow up to $500 over time for when you need it⁸ • One of the highest advance limits around⁸ • Instantly send/receive money fast & free with Varo to Anyone • Get a contactless Varo Bank Debit Card when you sign up Build Your Credit • Varo Believe credit-building card with no security deposit once you qualify² and no APR or annual fee² ¹We don’t hide our fees: www.varomoney.com/no-hidden-fee-bank-account ²Varo Believe is a secured credit card designed to help you build credit; however, a variety of factors impact your credit and not all factors are equally weighted. Building credit may take time and Varo Believe may be able to help when you consistently make on-time payments. Customers who had an existing VantageScore® 3.0 credit score showed an average VantageScore® 3.0 score increase of approximately 40 points after three months of having Varo Believe and no late payments on their credit. Individual results may vary, and some customers may not see a score increase. As of July 3, 2024. ³We give access to direct deposits from employer & government payers on the day we receive them, typically up to 2 days earlier than your scheduled pay date ⁴Annual Percentage Yield (APY) is accurate as of 7/3/24. Rates may change at any time without notice, before or after account opening. Start earning 3.00% APY on savings. To qualify for 5.00% APY (on up to $5,000) the following month, there are 2 requirements: 1. Receive qualifying direct deposit(s) of at least $1,000; & 2. End the current month with a positive balance in your Bank & Savings Accounts. Once you qualify, all balances over $5,000 will earn 3.00% APY ⁵The standard deposit insurance coverage limit is $250,000 per depositor, per FDIC-insured bank, per ownership category. ⁸Advance is a small dollar line of credit. Qualifications apply, including direct deposits to your Varo Bank Account: www.varomoney.com/cash-advance. Information about advance amounts is based on April 2024 internal Varo research among single standalone loans with repayments of 30 days or less, no subscription fees or early wage payment requirements. ⁹Testimonials reflect real experiences of Varo customers. Results & experiences vary ¹⁰No fee to use U.S. Allpoint® ATMs. We charge $3.50 for cash withdrawals at all out of network & international ATMs. Additional 3rd-party fees may be assessed by ATM owner. All ATM fees will be charged to the Varo account used for each transaction ¹¹ The Varo Line of Credit is designed to help customers with unforeseen expenses with monthly payments, no late fee, no prepayment penalties, and no interest. Eligibility required. Once qualified for Varo Line of Credit, you will be assigned a credit limit from $600 to $2,000. A one-time fee is added to your borrowed amount. Your credit limit may fluctuate based upon a variety of factors. You may only take one Varo Line of Credit out at a time. Your eligibility information and/or credit limit is always available to you in the home screen of your Varo app. ¹²Transactions will be declined when you don’t have sufficient funds. You could have a negative balance if a transaction is approved for one amount, but the actual charge is more than what you have in your account, but we won’t charge you an overdraft fee. ©2024 Varo Bank, N.A. All Rights Reserved. Member FDIC The Varo Visa® Debit & Believe Cards are issued by Varo Bank, N.A. pursuant to license from Visa U.S.A. Inc.