Unique Selling Point:
With Chime’s SpotMe feature, eligible customers can make occasional debit card purchases that overdraw their account, without having to pay any additional fees. 

Who is this app for:
If you’re looking for a full-service bank account with all the features you’d expect from the old-school banks, but you want a digital-first experience with no monthly fees or minimum  balance requirements, then Chime may be for you. Chime offers regular checking and savings accounts, as well as a “Credit Builder” account that comes with a secured credit card that helps you build your credit. Frequent international travelers will also likely be attracted by the lack of foreign transaction fees.

Bonus points:
– All Chime accounts are FDIC insured up to $250,000, so users know that their money is in safe hands.
– The Chime mobile app lets you send physical checks via mail. Simply type in the recipient’s details and the amount, and Chime will automatically send checks to friends and family, and businesses.