Sofi Money is an online bank with a 2% APY checking account and is FDIC insured. It has no minimum balance or fees. If you join Sofi Money and deposit $100, you will get $50 instantly. After that, if you're not satisfied with the service or don't want another bank account, you can withdraw the money immediately and close the account with no consequences.
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Chime is an online bank service that provides no-fee checking and savings accounts. Chime app is available for Android and iOS. All users are provided with a Visa Debit Card that works worldwide, however, Chime banking services are only provided in the United States. Chime supports interbank transfers through the Automated Clearing House Network.
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