You'll need to deposit cash at an external bank account, then transfer the money to your Ally checking account. If you'd like to deposit cash at Ally, you'll have to take extra steps. You may also deposit cash at other select retail locations but you might be charged a fee (up to $4.95 per transaction). The Chime® Checking Account lets you deposit cash for free at Walgreens. The most notable distinction between the two accounts is how you'll deposit cash into the account.

Refunds up to $10/month in out-of-network ATM feesĭeciding between Chime and Ally checking accounts will likely depend on minor preferences.

Spending buckets to help manage expenses.

Request checks to be sent to recipients online.

No overdraft fees for overdrafts up to $200 with SpotMe, if you qualify.

Connect your account to Zelle to pay family and friends.

It also offers a higher interest rate right now. Winner: AllyĪlly has more robust savings tools than Chime, including savings buckets to save for various goals and Surprise Savings to help you save more money. Something you'll also want to keep in mind is that you must open a Chime® Checking Account to qualify for the Chime savings account.

You'll also be able to automatically transfer extra change from your checking account to help you save.Ĭhime's savings account lets you round up debit card purchases to help you save, but its savings tools aren't as robust. You can assign labels for a goal and track your progress by setting a goal amount. For example, you can save for specific savings goals through a feature called savings buckets. The Ally Savings Account will likely stand out to you if you're looking for a savings account with strong budgeting features.Īlly has several robust savings tools. Must open a Chime® Checking Account to qualify for a savings account.Surprise savings tool automatically transfers extra change from your checking account to help you save.Savings buckets feature lets you separate savings to create specific goals.Rounds your debit card purchases up to the nearest dollar and puts the spare change in savings.

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