Chime

Chime is a no-fee mobile bank that's been operating since 2013, built from the ground up around automatic saving. You get a checking account with no overdraft fees, no minimum balance, and access to over 60,000 fee-free ATMs across the country. What makes Chime different is the suite of automatic savings features that move money without you having to think about it.

What sets Chime apart for budgeters is the automatic savings features like round-up transactions that move spare change into savings accounts. It won't replace a traditional budgeting app, but as your banking foundation it removes friction and helps you save almost without thinking. If you're already choosing a checking account anyway, Chime's no-fee structure and savings features make it an obvious upgrade over traditional banks that charge monthly fees.