Chime

Chime is valued at approximately $25 billion, serving over 22 million customers as the largest US neobank. Founded in 2012, Chime charges no monthly fees, no overdraft fees, and no minimum balance requirements, targeting the 60+ million Americans underserved by traditional banks. Its "SpotMe" overdraft protection -- which covers up to $200 without fees -- has driven extraordinary loyalty metrics, with Chime customers using their accounts as their primary banking relationship at 3x the rate of traditional bank customers.