Chime vs SoFi | Which Is The BEST Online Bank In 2021

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Chime and SoFi Money is for anyone who seeks bank accounts that are:
- Best online bank account 2021
- Best bank accounts 2021
- Best highyield bank accounts
- Best high yield savings account 2021
- Best savings account 2021
- Best checking account 2021
- Best no fee bank accounts

In this video I’ll be comparing Chime vs SoFi and showing you which is the best online bank in 2021, plus explaining how Chime bank and SoFi money works, and why I believe Chime and SoFi are the best online banks in 2021.

What is SoFi?
SoFi is an online personal finance platform that provides loans, refinancing, investment services, home loans, auto loans, personal loans, credit cards, insurance, and so much more! It offers a digital way to manage your money online! (Although viewed as a bank SoFi is not a bank / Uses 6 partner banks to federally insure your money)

What is SoFi Money?
SoFi Money is an online cash management account that serves as savings/checking account in one.

SoFi Money Account Benefits:
- Welcome Bonus $25 $100 $15
- 0.25% highyield APY savings/checkings account
- No fees
- Over 55,000 Available ATMS
- FDIC insured on up to $1.5 million dollars
- Debit card Mastercard with benefits: (Up to 15% cash back) Cellphone Insurance, Purchase Protection, Extended Warranty, Id Theft Protection, Travel Services, Contactless Payments, SoFi Member BONUS Exclusives and More!
- Get your paycheck up to 2 days early
- No fee overdraft coverage
- Manage account on SoFi mobile app
- SoFi Relay
- SoFi Money Vaults
- Automated Savings Roundups
- Better interest rates
- SoFi members get member rate discounts (0.125% rate discount on SoFi Loans)
- Ability to earn points that can be redeemed for cash, fractional shares of stock, SoFi loan payments, and SoFi invest like crypto and more!

Chime Bank:
Chime is a financial technology company that provides FREE mobile banking services and It was founded back in 2013. With Chime you’ll have 2 banking options, a Chime spending account which works like a checking account and the other option would be a Chime savings account!

Chime Spending/ Chime Savings Account Benefits:
- Welcome bonus $100 when you set up direct deposit
- highyield APY savings account
- No fees
- Visa debit card
- 60,000 FREE ATM's
- Round up features
- Save When I Get Paid: Automatically save a % of every paycheck you receive
- Get paid up to 2 days early
- Activate/Deactivate card through chime app
- Free card replacements
- Support mobile payment platforms like Apple and Google Pay
- Send receive money on Chime App for FREE
- Spot me : No overdraft fee charge on up to $200
- Chime Credit Builder Card

Chime vs SoFi Differences:
Chime's savings account offers 0.50% while SoFi Money offers only 0.25%, therefore APY wise Chime is the winner. Welcome bonus wise Chime offers $100 while SoFi offers $25 when you open a SoFi Money account and fund it, $100 when you set up direct deposit, hence SoFi is the winner here. SoFi also offers an overwhelming amount of helpful tools that Chime does not. Lastly Chime allows you to have 2 separate accounts while SoFi combines them both into one account.

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