Chime

Chime is a mobile neobank that replaces your traditional checking and savings accounts with fee-free alternatives. The app lets you round up card purchases and send the difference to a dedicated savings space, giving you a quick way to build an emergency fund. Direct deposit arrives up to two days early, and you can set up spending insights to see where your money goes each month.

It's best for people who want to replace their traditional bank entirely with a simpler, mobile-first option. Chime's budgeting tools are basic compared to Mint, so you're trading detailed expense tracking for a cleaner, simpler interface and better savings mechanics. The no-fee structure makes it stand out, especially since many neobanks have started adding monthly charges.