Chime – Mobile Banking vs One — Mobile Banking Usage & 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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One — Mobile Banking

Pay, bank & build credit. One is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC. Approved One Cash accounts are FDIC insured up to $250,000 per depositor. One card is issued by Coastal Community Bank pursuant to licensing by Mastercard® International. *Sign up for first deal. Claim cash with a One Cash Account only. Deals expire. See terms at one.app/one-pay-terms. †Cash back can be earned through the Debit Rewards Program. Individual offer details can be found in the One app. See terms at one.app/rewards-terms. ‡To receive 3% cash back, eligible customers (at the time their purchase settles) must (a) have received $500 or more of eligible direct deposits in the previous month, or (b) have a total account balance of $5,000 or more. 3% cash back is limited to up to $50 per year and applies only to purchases made at U.S. Walmart locations and on Walmart.com. This promotion may not be combined with other One promotions that offer cash back on purchases at Walmart. See terms at one.app/rewards-terms. Δ4.35% annual percentage yield (APY) applies to the Savings balance of One Cash customers who either (i) received $500 or more of eligible direct deposits in the previous month or (ii) have a total daily account balance of $5,000 or more. 4.35% APY is also earned on Pay Autosave and ONE@Work Save balances without these deposit or balance requirements. In all instances 4.35% APY is limited to a total Savings balance of up to $250,000. All other Savings balances will earn 1.00% APY. APYs are as of 10/10/2024, but may change at any time before or after account opening. **With eligible direct deposits totaling at least $500 in the previous month. Must be 18 or older to receive overdraft protection. Overdraft balance is due right away. Transactions eligible for overdraft protection are determined by One. ʌDirect deposit may be available up to 2 days in advance, but depends on when your employer sends paycheck data. +Use of the Credit Builder Program does not guarantee that your credit score will improve. Credit score improvement is dependent on your specific circumstances and a variety of factors, including your financial behavior. Failure to make monthly minimum payments on time may negatively impact your credit score. Credit Builder is available when you bank through One and have eligible direct deposits totaling at least $500 in the previous month. All Credit Builder Programs are subject to approval. OneProgress Services LLC, NMLS ID 2460509. See Licenses page on one.app for state disclosures. One is not a credit repair service and does not remove negative credit history from your credit profile. Based on a 12 month loan with $25 monthly payments and a 0% APR. You can choose how much you’d like to contribute towards your monthly payment, with a minimum of $1. If you choose an amount less than the full monthly payment, the remainder will be paid from the loan proceeds held in your Credit Builder lockbox. ◊The credit score provided by One is your VantageScore® 4.0 by TransUnion® and may not be the credit score model used by your lender. Lenders use a variety of different types of credit scores to make lending decisions. ∞Global transfers may not be available to all One customers. © Copyright 2024 One Finance, Inc. All third party products, names, logos, and brands are the trademarks or registered trademarks and property of their respective owners. Use of them herein is for identification purposes only and does not imply any ownership, affiliation, or endorsement. To see terms and conditions relating to One's products, visit www.one.app/terms. P.O. BOX 513717 Los Angeles, CA 90051