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Chime vs Happen Bank checking

Chime and Happen Bank checking side by side: fees, minimums, interest, ATMs and overdraft.

APY

Chime: No checking APY stated
Happen Bank: 1.00% APY at $2,500+; 0.00% below

Monthly fee

Chime: $0
Happen Bank: $0

Min to open

Chime: $0
Happen Bank: $0

Min balance

Chime: $0
Happen Bank: $0

ATMs

Chime: 47,000+ fee-free ATMs; out-of-network fees may apply
Happen Bank: Happen charges no ATM fee; unlimited rebates of other banks' ATM fees

Overdraft

Chime: No overdraft fees; SpotMe fee-free overdraft up to $200 if eligible
Happen Bank: not found

Sources: Chime, Happen Bank (2026-10-12).

More rates

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• Money market rates
• Checking accounts
• Savings rates
• Savings Index & rate history
• Am I overpaying?

FAQ

Which pays more interest on checking, Chime or Happen Bank?

Happen Bank has the higher stated top-tier APY as of 2026-10-12.

Where do these rates come from?

Each rate is read from the bank's own public page on the date shown and linked. Rates change often: confirm on the bank's site before opening. Not financial advice.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.