Questions to ask about accepted identification, fees, transfers, and campus access. Product inclusion is editorial and compensation does not determine our opinions.
Products and details
Chime Checking Account
$0 monthly fee
Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC; pass-through deposit insurance conditions apply. Application requirements and product availability apply. Rates, rewards, eligibility, and terms are subject to change. Verify current information with the provider.
Discover Cashback Debit
1% cash back*
Discover is a division of Capital One, N.A., Member FDIC. Transaction eligibility, limitations, and account terms apply. Rates, rewards, eligibility, and terms are subject to change. Verify current information with the provider.
*1% cash back on up to $3,000 in qualifying debit card purchases each month. See the provider’s deposit account agreement for transaction eligibility, exclusions, limitations, and terms.
How we evaluated this category
We reviewed official provider terms, ongoing cost, accessibility, account function, eligibility disclosures, and consumer protections. We did not assign star ratings or accept claims of guaranteed outcomes.
How to choose
- Confirm eligibility and accepted identification before applying.
- Calculate the full ongoing cost, including conditional and out-of-network fees.
- Check how you can deposit, withdraw, transfer, and reach support.
- Verify current terms on the provider’s official site.
Frequently asked questions
Does “no monthly fee” mean no fees at all?
No. ATM, wire, expedited transfer, cash deposit, or other fees may still apply.
Does Moneyward guarantee approval?
No. Providers make eligibility and approval decisions. Moneyward does not take applications.
Sources
Provider pages linked in each product card, plus CFPB consumer tools and FDIC deposit insurance resources.