Break up with bank fees: Why Chime is the checking account alternative you need

If you've been banking with the same institution for years, you've probably stopped noticing all the ways they're quietly charging you. Monthly maintenance fees, out-of-network ATM charges and overdraft penalties that turn a $2 mistake into a $35 hit have become part of the cost of doing business with traditional banks, even though they shouldn't be.Chime offers a checking account with fee-free banking.* There's no minimum balance requirement or monthly fee, and eligible members can access fee-free overdrafts of up to $200 with SpotMe when their balance dips lower than expected.Here's a closer look at how Chime can help you avoid fees and get more from your everyday banking.Benefits of fee-free banking with ChimeTraditional banks have built their business model around fees, but Chime softens that structure. Start with the basics: no minimum balance requirement and no monthly fees, unlike accounts at traditional banks that charge up to $15 per month (unless you meet certain requirements to have them waived).But the real value emerges when you look at cash flow. With direct deposit, Chime lets you get paid up to two days early. Or if you need cash before payday, you can borrow up to ...