Category Archives: Money Management

What is a Good Credit Score?

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I never knew you had more than one credit score! After reading this, I realize I have some work to do so I can have a good credit score.

Any time you apply for credit, the lender is going to take a look at your credit history and credit score. A good credit score can be the difference between abysmal interest rates and manageable interest rates. Better rates can save you a ton of money over the course of repayment.

You don’t just have one credit score, though; you have many. There are several systems your lender may use to compute your score. On top of that, you have different scores depending on which product you’re applying for. For example, when you apply for an auto loan, your history with auto loans is typically weighted more heavily than if you were applying for a mortgage.

What is a good credit score, then? Well, today we’ll delve into the answer. We’ll be looking exclusively at FICO scores, though you should note that some creditors will pull your Vantage score. Most run off of the FICO model, though.

What is a good credit score when buying a home?

When you’re taking out a mortgage, a Good credit score usually falls between 680 and 699.

You’re likely to be offered even better interest rates if you have a Very Good credit score, which is typically in the 700-759 range.

But the best rates are usually reserved for those with an Exceptional credit score. The magic range for this rating is between 760 and 850. (Eight-hundred fifty is the highest credit score in the FICO model.)

What is a good credit score for auto loans?

Thinking about taking on a car note? In the auto lending industry, a good credit score is referred to as “Prime.” There is also a “Non-Prime” category, and finally a “Subprime” category. If you’re in the latter, you either want to work on getting your score up or buy in cash—the interest rates will be crushing.

A prime credit score usually falls between 661 and 850.

While non-prime scores are in the 601-660 range, you’re going to have a hard time getting approved by a traditional lender with a bearable interest rate if your score is below 620.

What is a good credit score when applying for a credit card?

Many lenders will pull something called your FICO Bankcard score when you apply for a credit card. This score actually goes all the way past 850 up to 900.

A Good Bankcard score is traditionally considered to be between 680 and 749.

An Excellent Bankcard score will help you get approved for even more exclusive cards. These are usually the ones that have mega rewards benefits. You typically fall into this category if your Bankcard score is 750 or above.

NOTE: Read this before applying for a credit card!

How to Find Your Credit Score

There are a lot of services out there offering “free” credit scores. Typically, you have to sign up for advertorial emails in order to access this score. Be careful, though. If you read the fine print, these scores are typically estimates, and may not be accurate.

They may also be based off of your Vantage score, which, as we’ve already established, only a small amount of lenders actually use.

If you want to get your FICO score and already have a credit card, odds are you can easily access it simply by logging into your account online.

If you don’t already have a credit card, you can find it for free through Discover.

How to Improve Your Credit Score

Not happy with your number? There are a few things you can do.

First, you need to check your credit report to make sure all the information on it is accurate. You are entitled to get a copy of your credit report from each of the three credit bureaus—Experian, Equifax and TransUnion—once per year.

If you find inaccuracies, you can go through the process of cleaning it up yourself, or you can get a trusted third-party who cleans up inaccurate credit reports for a living, like, to do it for you.

If you’ve checked your credit report and everything’s accurate, there may still be something on there that you’re not happy about. Maybe a hospital sent your medical bill to collections without notifying you. Maybe you lived through a natural disaster and were too busy trying to put your life back together to remember the due date on your latest credit card statement.

If something like this happened to you, you can try writing a Goodwill Letter to get the negative line item removed. It’s not guaranteed to work, but it is a fairly simple process.

If the information is all accurate and you don’t have an extenuating circumstance that would justify removal, you just have to work on establishing good credit habits moving forward. Building your number back up can take some time, but if you’re consistent, it should work. Negative information only stays on your report for seven years max.

Here are three of the big things you can do to show you’re a responsible borrower:

  • Pay on time. If you’re more than 30 days late on a bill, that can show up on your credit report. If you’re dealing with medical debt, consider applying for financial assistance. You should also request to be put on a payment plan you can afford.
  • Keep your debt burden low. A big factor used to determine your credit score is your debt-to-credit ratio. If you have a $14,000 limit on your credit cards but you only owe $1,000, your debt-to-credit ratio is decently low. If, however, your limit is $1,000 and you’re carrying that same $1,000 balance, your ratio is incredibly high. This does not bode well for you when calculating your credit score.
  • Pay off debt, but don’t close your cards. If you have debt, pay it off. If you’re paying off credit card debt, it can be tempting to close them down after you’ve achieved your goal. Don’t. If you only had one credit card with a $14,000 limit and paid it off, your debt-to-credit ratio is looking pretty awesome. If you shut it down, you now have $14,000 less in credit, which is going to raise your ratio—not a good thing.


Do you have experience improving your credit score to get it into the “good” range? Leave your story in the comments!

Credit Unions, Tech & Security: 360 Interview

While I was in NYC last month, I got a chance to sit down and talk with Chris Chippindale, COO of Public Service Credit Union in Denver, Colorado. We talked about the intersection between credit unions and technology, and how that affects members’ security.

This interview happens to be 360. Feel free to grab a headset and look around–you’ll see my friend Kristie in there with us, too. Or, if you’re watching on a PC, click and drag your mouse to move your viewpoint around.

If you’re using CC and YouTube’s attempt is making you crazy, or if there are parts you just can’t hear (my audio work will be better next time,) I’ve created a transcript for you below:

What are Credit Unions?

Femme: All right, hi, everyone! This is Femme Frugality and I am here with Chris. Chris do you want to tell us where you’re from?

Chris: Sure. My name’s Chris Chippindale. I’m the COO of Public Service Credit Union in Denver, Colorado.

Femme: Awesome, awesome. We are going to talk with Chris today about credit unions. I was wondering if you could tell me a little about what a credit union is and how it differs from a bank.

Chris: Sure. Credit unions are similar to banks in the sense that we offer more or less all the same financial products, but our mission is what really differentiates us from banks. We’re not-for-profit so we put the interests of our members [first]. That’s versus banks who have customers and they’re focused on profits.

What that means to you on a personal basis is that you should expect to see better rates. Lower on lending, and higher on savings.

How Do Credit Unions Use Technology?

Femme: Awesome. That’s amazing. So we are here at CO-OP THINK, and I know CO-OP is pretty much the technology behind credit unions that takes their ATMS and their credit unions across the country, and makes it so you’re able to access it just like your credit union at home. I know that technology is super important to credit unions. I was wondering if you could talk to me a little bit about the history of that relationship—credit unions and technology? I know that you guys were pioneers with a lot of these technologies, so I’d love to hear about it.

Chris: Yeah, we were [pioneers,] and I think one of the big reasons technology is so important to credit unions is, first and foremost, we don’t have the resources to go out there and build branches the way a large bank does. So we use technology to level the playing field and be able to compete because we know members of credit unions still need access to financial services. We can’t go out and build hundreds of branches across the community or across the state or across the country, so we use technology to be able to reach out.

A couple things CO-OP does for us? My credit union, as a member of the CO-OP network—our members can go to ATMs at any other credit union that also participates in the network, and use those ATMs surcharge-free. Instead of paying $3.50, $7, $10 to get your money out of an ATM, you can go to a CO-OP ATM, and they won’t charge for that.

Femme: I know they were saying earlier that that network is larger than a lot of those big, major banks.

Chris: Yeah, it would be larger than any one bank’s network.

Femme: That’s amazing.

Chris: One of the other things CO-OP does with us is something called shared branching, where, again, if you participate as a credit union in the shared branching network, your members can go into branches of other credit unions and transact business there. That’s another nice way to supplement our limited resources.

My credit union in Denver, we have 20 branches in Colorado, which is the most of any credit union in our state. That certainly pales in comparison to some of the banks with their branches out there, but by partnering with other credit unions, my members can go to other branches within the state or across the country and get service there.

Why Do I Have to Use Chip Cards?

Femme: One big tech issue that I think impacts everybody, but not necessarily everybody understands, is on our credit cards, and in some cases debit cards, I believe—that little RFID chip? What is that? And how does it work? Can you explain that in layman’s terms for us?

Chris: Sure. It’s a protocol that allows the card and the terminal to communicate. So instead of swiping the MAG stripe, you’re inserting the card—most cards have the chip these days. It’s just another way to allow the transaction to go through.

Femme: And are there any security concerns with that technology?

Chris: There are. I’m not an expert on that, but there certainly can be a case of intercepting transmissions from time to time. It’s a more secure technology than just the mag stripe. It’s something that we’re always wary of, but we do believe getting away from the mag stripe is making cards more secure.

The chip in particular—that’s probably more common these days. The chip itself puts in a cryptogram every time you insert it into the machine. So if you were to get someone’s card number in the past, that’s basically all you needed to commit fraud. Now with the chip, you need the card number plus this secret code, if you will, that changes every transaction. It made chip-on-chip transactions more secure. It hasn’t helped online, but it helps in retail environments, etc.

I didn't know credit unions were so tech-forward! Interesting tips on how to protect your identity, too.

What Are Today’s Biggest Financial Security Risks for Consumers?

Femme: Gotcha. As we’re looking forward, what are some of the security issues of tomorrow, and how are credit unions working to address those?

Chris: Sure. As we’ve seen an improvement with the chip-on-chip technology, the two big things my credit union and many other financial institutions are seeing this year are account takeover fraud and online fraud.

One of the things you can’t do with your chip card is stick it into your phone or stick it into your computer for a chip-on-chip transaction, so most of the cards out there today still have the mag stripe information. Bad guys are getting that and committing fraud. They’re doing it online and they’re doing it at places where the merchant doesn’t have a chip card reader.

What Will Payments Look Like in the Future?

Femme: This is totally theoretical, but is that something you think we could start seeing in the future? [Sticking your card into your phone or computer.] Like now I can plug my memory card directly into my computer. Ten years ago I couldn’t have done that. I would have needed an external drive, and before that, I might have even just had to go to Target or Walmart where they had those capabilities.

Chris: I don’t think so. I’m not going to predict the future, but what we’re seeing happening is this idea of tokenization. So more along the lines of Apple Pay or Samsung Pay where the whole card number changes every time. So you’re not sitting there with a static, 16-digit account number on the card all the time. Every transaction would be unique. So I think that’s where we’re headed. Every transaction will be unique, and account information is “one-time,” if you will.

Social Media and Securing Your Financial Identity

Femme: Very cool. We just came out of a panel, and one thing that came up that I thought was kind of interesting was social media and what kind of a precarious situation we all put ourselves in without even really thinking about it. I work in an industry where people go as far as listing out their financial data online as a way of tracking and accountability. It really helps a lot of people, and it builds community.

But when they [in the panel] were talking about different social media profiles making it easier for people to hack your accounts—is there anything specific people can do to protect themselves? And/or, I know they said that CO-OP specifically was looking at this issue?

Chris: I would say my guidance is—you know, I’m a little bit older, and don’t fully understand some of the draw about social media and putting so much information out there, but it happens. It seems to be “the way of the world.” I would just caution people about how much information you put out there. It’s certainly great to let people know what’s going on and where you are and things like that, but that’s potential information that can be used against you.

When our members call into a communication center and you can’t see them eye-to-eye or get their ID, we ask [for] information that we would hope only they would know. The more information we put out there, the more likely it is that the bad guy can start piecing some of these pieces of information together to start figuring you out, and start getting past some of the techniques that we use on our end.

So we [financial institutions] always have to be vigilant and continue to understand what kind of information is out there, and have that balance of—you don’t want it to be super difficult when you call into the communication center and want information about your account. Because 99% of the time, it is you. We don’t want to make it a real difficult phone call for you, but at the same time, we want to be diligent in making sure it is you, and if you start giving out that personal information…

So we always caution people about how much of that they’re sharing.


Thanks so much to Chris for answering these questions! Do you guys like the 360 interviews? Or would you prefer if I kept the 360 for travel videos? It would be amazing if you could use this poll to help me make the best content for you in the future:

Poll built with Interact

What Financial Health Means to Me #FinHealthMatters

A lot of times when we write about money, we pretend that our income will look like this:

While we may hope our money looks like this over our lifetime, that isn't reality.

But just as the aging process doesn’t always go the way we want it to, studies show that for most American families, income doesn’t go up in a straight line at a 40 degree angle. For many of us, our income journeys will look more like this:

The reality of money is that it doesn't come in at a consistent clip. Build resilience.

It’s not a convenient truth. But it’s a reality the vast majority of us face. You can’t always count on a raise. You can’t always count on a lateral move that pays more. Heck, if the Recession taught us anything, it’s that you can’t always count on having a job or a home six months down the line.

But there are some things you can do to straighten your line out a little bit. You might not have a steady, increasing source of income, but there are financial habits you can build that will help you not throw up in your mouth as you ride the ups and downs of a lifetime of income fluctuation.

Build Resilience Through Savings

I’ve been through some pretty crazy ups and downs in my financial life. I’ve been unemployed. I’ve lived in poverty. I’ve had great jobs that I loved, and even a great job that paid well.

But nothing is static. It’s true in life, and it’s true for your money.

To build resilience during those times of trial, you need to sock money away while things are good. Avoid lifestyle creep, and instead invest in your emergency fund and retirement accounts.

I know this is a good idea because I once had to live for five months without work after an involuntary cross-country move. Fortunately, I had built up a five-figure emergency fund by living frugally while I had a (comparatively but not really) fat paycheck.

Being unemployed didn’t feel good, but it felt a heck of a lot better than it could have because I knew I could pay my bills while I looked for work.

Maintain a Side Hustle

A few years ago, there was a regional shortage of work in my unionized field. Because I didn’t yet have crow’s feet, I was on the bottom of the employment register, and lost nearly all my income as the primary breadwinner for my family.

Luckily, I had this side hustle going on called blogging. I used all that extra time I had gained from not working my 9-5 to build up my business to the point where it could sustain my family, and even exceeded the max income I could have earned in the career I classically trained for.

I was blogging for a few years before I was at a point where all this was possible. Because I was able to work in my off hours to build up a side source of income, I was able to avoid financial stress and jump as cleanly as possible into a new form of employment.

Keep a side hustle going, even if your income flow is making you happy right now. You never know when you’re going to need it.

Love how she parses out how to deal with financial reality through resiliency.

Humble Yourself

When I had my oldest child, things were not going well financially. Neither my husband nor I had a degree, and our income was extremely stunted.

To this point, we hadn’t asked for help. There were literally times where we chose between the electricity bill and food. Between sporadic stints of employer-sponsored insurance, we didn’t get to go to the doctor. We didn’t get to go to the dentist. We lived on this suspended hope that everything would be okay–someday.

When I found out I was expecting, I checked my pride real quick. I realized that I was responsible for another life, and that I couldn’t do this on my own. I needed consistent health insurance. I needed food. I needed help.

So I got it. Applying for benefits was one of the most humbling things I’ve ever done, and in retrospect, I can’t believe it took me so long to do it. Those programs helped me get on my feet and facilitated our upward mobility so much faster. Because of that help, I now pull in a decent income, paying it back both through those taxes everyone complains about and charitable giving.

But I couldn’t have gotten to “good” without asking for help to get out of the “bad.”

Get humble. Get what you need to make things better. Don’t sit in squalor because of imposed cultural shame.

Remember: It will get better.

You know how earlier we said that nothing was static?

It seemed like a bummer because I was telling you the good times don’t last.

Well, guess what? It works the other way, too.

When things are bad, they don’t stay bad forever. Things will eventually get better, especially if you’re working hard towards your goals. It might take a while, but you can fend off (situational) depression by knowing that no matter how low things seem right now, there’s a high point around the corner. Start taking action today to reach it.

How to Get Out of Paying Your Security Deposit

Um, this is freaking amazing. This company helps you move into your new place without the huge security deposit---lifesaver!

When we moved into the place we’re living now, we had to have just shy of $2,500 on hand. That included first month’s rent, last month’s rent and a security deposit.

That’s an insane amount of money when you’re making just above minimum wage—which we were. We’re fortunate that our income has gone up since then, but even still, security deposits are one of the big expenses that have made staying put rather than moving a better financial choice for us over the past few years. Even if we get our full security deposit back, rent inflation has gotten a little crazy lately, which means the deposit refund wouldn’t cover the security deposit at our hypothetical new place.

Get Out of Paying Your Security Deposit

What if you could eliminate that security deposit? It seems like a dream, but in an era of progressive financial products, it’s not.

Jetty, an insurance company that serves city-dwellers like us, has this really cool product called Passport Deposit. Essentially, you’re buying a surety bond through Jetty. You purchase this bond for 17.5% of the cost of your security deposit. Then, you don’t have to pay your security deposit up front.

Your landlord is the recipient, and carries no risk. Jetty is literally insuring that you won’t trash the place. If you do, you’ll have to pay for damages. So don’t mess your place up.

If we were to move right now, we’d likely be looking at a place with a minimum monthly rent of $1,100. That means our security deposit would also likely be $1,100.


We could save for that for sure. But to be honest, it’s preferable for me to not have to pay that much upfront.

With Jetty, we’d only have to pay $192.50. We wouldn’t get that money back, but we could take the other $907.50 and invest it. Assuming a 6% annual return, we’d have made that $192.50 back and then some by 2020. Within 11 years, we would have more than doubled our initial investment.

That’s way better than throwing it all at a security deposit that will lie dormant for the duration of your rental period.

If you don’t have the $1,100 upfront, to invest or give to the landlord, Jetty’s Passport Deposit can be a lifeline. While I don’t advocate for living outside your means, the reality is that the rental market is wreaking havoc on American families. We frequently like to think about housing from a buyer/seller perspective, but since the bubble burst in 2008, renters have been paying a steep price.

If you can afford the rent, are a responsible tenant and just don’t have the extra money for the security deposit, this product can help you get into your place with a lot less stress.

When You Don’t Meet Income Requirements

The last time we moved, we were lucky that our landlord didn’t set income requirements. Like I said, we were making just above minimum wage.

We’ve never missed a month, by the way. Even in hard economic times.

A lot of other landlords did, though, and it disqualified us from moving to those locations. We aren’t talking about luxe high rises with amazing city vista views, either. We’re talking about basic, affordable housing.

The only place I could find where we made 3x-4x the monthly rent every month had a blanket hanging in the stairwell, separating us from our future neighbors, and a busted up stove. When I asked the potential landlord about replacing it so we could do things like cook, he said, “Well, that’s expensive.”


Let’s take our $1,100 per month place as an example again. With kids in Pittsburgh, one of the most stable housing markets in the country, we’re talking about some pretty basic housing. It likely won’t be in a blighted neighborhood, but it’s not going to be in a super ritzy part of the city, either.

To make 3x-4x monthly rent, you’d have to be pulling in $3,300 to $4,400 per month. Fifty percent of families in this country make under $68,000 per year. While people at the top of the $0-$68,000 income range would have no issue meeting those standards, those in the middle of the pack would. And do.

That’s why Jetty also has Passport Lease. If you don’t meet income requirements, you typically will need a cosigner. The standards for that cosigner are typically higher, requiring that they make 8x-10x your monthly rent.

With Passport Lease, you don’t need a cosigner. You can move in without meeting the income requirement for a one-time fee of 5%-10% of your annual rent on a 12-month lease. On the $1,100 place, that would be $660-$1320.

While it’s not ideal to have to pay an extra fee, it is worth it if Passport Lease can get you and your family into a safe and healthy home.

Be a Responsible Renter

Only move into a place if you know you’ll be able to pay the rent on time each and every month. Cover yourself with renters insurance—which is insanely affordable and covers you in times of disaster, theft or liability. Take care of the place while you live there.

If you do all of these things and the barrier to entry is still just too high, look to Jetty’s Passport. It’s an innovative new product that can help you get your foot in the door.


This post is brought to you by Jetty Insurance, who has recently expanded into the Pittsburgh region.

Chime Review: Disrupt Banking

This could actually really help me save more money and develop better money habits...

I went to a conference last month that was all about disruption. Essentially, the idea is that we become so ingrained in the way things are that we limit the way we imagine the future. We were asked this question:

What would your business look like if you set it up today?

This reminded me so heavily of what I read in Financial Inclusion at the Bottom of the Pyramid. The book outlines how FinTech has taken off in third-world countries and emerging economies in ways that the US is still struggling to catch up with.

Things like mobile payments were happening in the Philippines in the early 2000’s when I was still using MySpace and a hotmail address. My bank account wasn’t available on a PC nonetheless my flip phone.

The reason it worked there was because there weren’t established systems. There were zero to few platforms to overhaul. The regulations that keep us as consumers safe from predatory practices within our current financial system didn’t yet exist in these countries because people didn’t traditionally bank.

Traditional banks in the US have struggled to keep up in the age of tech. Things are improving, but it’s been a long, hard road, and there’s still room to do better.

Look Who’s Doing Better: Chime

Unsurprisingly, one of the companies that is actually doing better is new to the scene. They’re not a traditional bank. They haven’t been around for over 100 years. They’re a mobile-first bank account, and they’ve built something that defines “better.”

That company is Chime, and their mobile bank account does a lot.

Banking at a Glance

When you have a Chime bank account, you’ll wake up to a morning greeting telling you what your balance is. This helps you make good decisions throughout the day as you’re already conscious of where you money stands.

Whenever you go into the app, you’ll be able to see your whole financial situation at a glance:

  • Your checking account balance
  • Your savings account balance
  • Your three most recent transactions
  • Debts and savings from outside accounts

And that’s just on the home screen.

Check out all the cool features Chime gives you to help you establish better money habits.

WTH did I buy?

When you go into your transaction screen, not only can you see your transactions, but you can actually click on them to open them up in their respective apps. For example, you can click on an Amazon purchase and it will bring up what was included in that purchase.

Pay Your Bills

Another awesome thing you can do straight from the app is pay your bills. You can do this digitally, or, if you really need a paper check to do something like pay rent, you can draft it right from the app and they’ll mail it for you.

When you write a check, the money will be automatically taken out, unlike the traditional method where the money is withdrawn when the recipient cashes it.

Split the Bill

Going out with friends? You can easily split the bill with them either via THEIR Chime account or by using Venmo within the Chime App itself.

Setting Up Direct Deposit

You can easily set up direct deposit from your phone, or get your routing and bank account number to fill out an ACH form with your employer.

You can also automate your savings every month to go directly from your checking to your savings account. This is ideal no matter who you bank with. It’s easy to say, “I’ll save $200 this month…”

But to actually do it?

That’s why automation is so beautiful. You don’t even have to think about it. Chime does it for you, removing the temptation to spend.

Round Up Your Savings

Speaking of savings, you also have the option of using “Round Up.” Every time you spend money using your Chime debit card, Chime will round up to the nearest dollar, transferring the difference to your savings.

For example, let’s say you spend $1.07 on a pack of gum. Chime would round that up to $2.00, taking $0.93 from your checking and moving it into your savings account.

At the end of the week, Chime will pay you a 10% bonus on all of your Round Up deposits. So if you had $15.00 worth of round ups, you’d get $1.50. They’ll do that up to $500 per year.

Use Chime's Round Up feature to save more than you thought possible without even trying!

Chime Debit Card

When you open a Chime account, you’ll get an associated VISA debit card. Debit cards are different from prepaid cards. You have to load money onto prepaid cards, and they’re usually laden with fees. Debit cards link directly to your bank account, and don’t typically come with fees.

So with Chime, you’re getting a fee-free debit card that links directly to your bank account. No loading necessary.

Fees & Interest Rates

Every time you open a financial account, you should ask about fees and interest rates. Chime is no different.


Chime has very few fees. Here are some common ones that they don’t charge:

  • No monthly maintenance fee.
  • No minimum balance required (and no fee for not having it.)
  • No overdraft fee. If you don’t have the money, you simply won’t be able to spend it.
  • No card replacement fee.
  • No foreign transaction fees.
  • No fees when you use a MoneyPass ATM. There are over 24,000 across the US. You can find the one closest to you using the app, but if you want to look at that data now, you can do so here.

You do have to pay a $2.50 fee every time you use an ATM that’s out of network. Honestly, though, a 24,000 ATM network is pretty darn huge.

Interest Rates

This is one area where you’re not going to get a lot from Chime. There is no interest on checking, and savings accounts only earn 0.01%.

However, you do get that 10% bonus when you use the Round Up feature, which is pretty huge.

If you’d earn more than $500 per year in interest on your savings account with a 1.00%-2.00% interest rate, it may be better to shop around. Do your math first.

Who Chime is Best For

Chime doesn’t have joint accounts, so it’s not going to be awesome for couples who like having a shared pot. While I’m a big fan of separate finances, I know I’m not in the majority, so that’s something to take under consideration.

If you’re single, or maintain separate finances, and rarely run into cash or paper checks, this could be a good option for you. While you can deposit cash at Green Dot locations, you can’t deposit paper checks. You could always go to a business that does cash checking and then take your cash to a Green Dot location, but there will be fees–and inconvenience–involved.

UPDATE: Mobile deposit for paper checks is currently in beta for a subset of members. Chime is expecting to roll it out to everyone at the end of the year!

To sum up, Chime is probably good for you if:

  • You’re single OR
  • You’re in a relationship but maintain separate finances
  • You operate primarily on a paperless economy
  • You want to be more conscious of your cash flow
  • You want to establish good money habits

Get $5 For Trying It Out

If that profile sounds like you, this is a really good time to get an account. Right now through the end of June, you’ll get $5 just for trying Chime outYou do have to deposit at least $2 in order to get your $5 reward. The process is super easy and takes around five minutes.


Are you happy with your current mobile banking options? What’s going right and what could use a little more disruption? We’d love to hear what you think in the comments!


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