Chime vs One

traditional vs traditional · from the open dataset of 357 tracked neobanks · no affiliate links, ever

Chime: Largest US neobank; 20M+ members; SpotMe overdraft.

One: Walmart-backed; embedded retail banking.

Side by side

	Chime	One
Category	traditional	traditional
Audience	general	general
HQ	San Francisco, US	Sacramento, US
Founded	2013	2019
Custody	Custodial	Custodial
Regulation	Partner-bank model	Partner-bank model
Licence detail	Partner banks (The Bancorp, Stride)	Partner bank (Coastal Community)
Card	Visa · Debit	Visa · Debit
Cashback	—	Up to 3% (Walmart)
Yield	~2% APY savings	~4% APY savings
Stablecoins	No	No
KYC	Yes	Yes
Regions	North America	North America
Reported users	22M members (2024)	—

go deeperFull profiles: Chime · One — or run your own comparison of up to four in the directory.

Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.