Chime is a fintech that partners with FDIC‑insured banks (The Bancorp and Stride) to provide checking and savings accounts, debit cards, and a credit‑building card through its app, with no monthly fees, overdraft charges, or minimum‑balance requirements. It targets U.S. consumers earning up to around $100K, especially those underserved by traditional banks, and has grown to roughly 7–9 million active members and billions of dollars in annual revenue.

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