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Banks without physical branches are on the rise. This might make some of you a little uncomfortable, but it actually makes complete sense for many Americans. Because there are no brick-and-mortar locations to acquire, staff, and manage; online banks like Chime Review can pass along those savings to you by offering some pretty impressive rewards.
“What if I ever need to physically go to the bank to do something?” You ask.
Well, I would ask in return, “When was the last time you really needed to go inside a physical bank branch?”
I’m not talking about using the ATM outside the bank. I’m talking about actually parking your car and walking through the doors of your local bank branch.
Most people I know hardly ever (or never) walk inside their bank. Their check is direct deposited, they use their Debit card, ATM, or the bank’s website for money transfers and withdrawals. No physical bank branch was needed.
Think about the switch to buying Mp3’s instead of physical CDs. Once you realized that you haven’t actually pulled out a physical CD in years, you finally decided to make the jump to just getting it on iTunes. In the same way that CDs are pretty obsolete, physical bank branches might not be far behind.
So, can Chime Bank work for you? You tell me.
Chime Review
Chime Checking Accounts
Or, as Chime calls them, “spending accounts” are completely free. No Minimum balance required. No monthly fees, and no overdraft fees. What’s the catch? So, how do they make their money?
Well, you will get a VISA debit card for your spending, and VISA gives Chime Bank a kickback each time you swipe your card. So, they make their money from VISA, not you… Read More
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