Feature Chime Varo Monthly Fee None None Checking Account Fee-free with no balance requirement Fee-free with no balance requirement Savings Account Up to 2.0% APY Up to 5.0% APY (with $1,000+ direct deposit) Overdraft Protection SpotMe up to $200 None (offers cash advance up to $250) Early Direct Deposit Yes – up to 2 days early Yes – up to 2 days early Cash Deposits Green Dot & Walgreens Green Dot ATM Access 60,000+ fee-free ATMs 55,000+ fee-free ATMs FDIC Insurance Partner banks: The Bancorp Bank, Stride Bank Direct FDIC coverage (Varo Bank N.A.) Credit-Building Tools Chime Credit Builder Card Varo Believe Credit Card Zelle Transfers Not supported Yes (via Varo app) International Use Limited Limited App Ratings 4.8 stars (App Store), 4.7 stars (Google Play) 4.9 stars (App Store), 4.7…