If you are looking for an easy to use account that can also help you build your credit score, then Chime. It is a banking app that is partnered with the The Bancorp Bank and Stride Bank, N.A. Your account at Chime is FDIC insured up to $250,000.

Checking and Savings in one

To start banking with Chime is very easy. You can get an account set up online in a matter of minutes. A little while later you get your virtual debit card and your plastic card comes to you by mail. Besides being a standard no fee checking account, Chime offers you much more. One of its perks is a savings account. You can opt in to this account at any time and there is no minimum balance requirement. And yes, you will earn variable interest on any money you put in this account.

Linking to Your Current Checking Account

Once you have your Chime checking account setup, you can link your new account to any of your existing accounts. Chime uses the Plaid system to link to any of your apps. Plaid is an interface that makes thins linking secure. Plaid makes it safe to have your money run through Chime. It is safe and easy to connect to apps other than banks, such the .

Ready to Start Banking With Chime?

Let’s see, you get a free checking account and a free savings account with interest. Yes, that’s pretty good, but that’s not all. You can also get a credit building credit card. All you have to do is set up direct deposits of at least $200 and you can get access to a Visa credit builder card. Once you have the direct deposits coming in, Chime also gives you an overdraft service called SpotMe. Initially you get $20, but as you build account history, you can get up to a $100 of overdraft credit. That’s a lot of perks in and of itself.

But now, if you sign up before the end of the year and set up a direct deposit, you will also get a bonus of $75. So, are you ready? If so, .