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Chime offers a prepaid debit card and digital banking services with a focus on fee-free banking. In 2024, Chime Bank reviews highlight pros such as no monthly fees, early access to paychecks, and mobile-first banking experience. Cons include limited brick-and-mortar access and potential overdraft fees with Credit Builder. Chime Credit Builder helps build credit by reporting regular payments to credit bureaus, but it requires a qualifying direct deposit.

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