Savings comparison
Chime vs E*TRADE
Updated
Before you compare: This compares features and fees from each company's own pages. It isn't investment advice, and investing involves risk, including loss of money.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Chime is a banking app and E*TRADE is an investing app. Chime says its savings account has no fees, and you need an active Chime Checking Account to open one, while E*TRADE's Core Portfolios list a flat annual advisory fee of 0.30% for an account market value of $500+. We checked both on Oct 24, 2026.
Chime vs E*TRADE at a glance
Chime is a banking app and E*TRADE is an investing app. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on one of the 14 rows in the table below.
Price and fees
Chime says its savings account has no fees, and you need an active Chime Checking Account to open one. We haven't verified this for E*TRADE yet, so check the official site for E*TRADE before you decide. We checked Chime on Oct 24, 2026.
Management or subscription fee
E*TRADE's Core Portfolios list a flat annual advisory fee of 0.30% for an account market value of $500+. We haven't verified this for Chime yet, so check the official site for Chime before you decide. We checked E*TRADE on Oct 24, 2026.
APY or rate
Chime lists 1.00% APY for standard members, 3.00% APY for Chime Plus and 4.00% APY for Chime Prime, in rates effective Oct 6, 2026. Chime says the rate is variable. Chime says there is no minimum balance, but you need $0.01 in savings to earn interest. The higher rates depend on Chime Plus or Chime Prime status, which ties to qualifying direct deposits. We haven't verified this for E*TRADE yet, so check the official site for E*TRADE before you decide. We checked Chime on Oct 24, 2026.
Opening and balance minimums
Chime says its savings account has no minimum balance requirement. We haven't verified this for E*TRADE yet, so check the official site for E*TRADE before you decide. We checked Chime on Oct 24, 2026.
Account minimum
E*TRADE says Core Portfolios are managed for a 0.30% annual advisory fee and a $500 minimum. We haven't verified this for Chime yet, so check the official site for Chime before you decide. We checked E*TRADE on Oct 24, 2026.
Stock and ETF commissions
E*TRADE lists standard commissions of $0 for stock and options trades, plus $0.65 per options contract. We haven't verified this for Chime yet, so check the official site for Chime before you decide. We checked E*TRADE on Oct 24, 2026.
Account types
E*TRADE lists these account types: Brokerage account, Traditional IRA, Roth IRA, Rollover IRA, Coverdell ESA, Custodial Account and Brokerage account for a minor. We haven't verified this for Chime yet, so check the official site for Chime before you decide. We checked E*TRADE on Oct 24, 2026.
Automatic investing
E*TRADE says Core Portfolios are rebalanced as necessary using advanced technology. We haven't verified this for Chime yet, so check the official site for Chime before you decide. We checked E*TRADE on Oct 24, 2026.
Managed portfolios (robo)
Core Portfolios is E*TRADE's professionally managed advisory solution that builds, monitors and manages a portfolio. We haven't verified this for Chime yet, so check the official site for Chime before you decide. We checked E*TRADE on Oct 24, 2026.
Protection
Chime is not a bank. Banking services come from The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, and pass-through deposit insurance applies only when certain conditions are met. We haven't verified this for E*TRADE yet, so check the official site for E*TRADE before you decide. We checked Chime on Oct 24, 2026.
Features
Chime lists goals. We haven't verified the features for E*TRADE yet. We checked Chime on Oct 24, 2026.
App store rating
Chime has 4.8 out of 5 on the App Store from 1,629,130 ratings. E*TRADE has 4.7 out of 5 on the App Store from 380,760 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
What it costs
- Chime
Chime says its savings account has no fees, and you need an active Chime Checking Account to open one.
E*TRADEE*TRADE's Core Portfolios list a flat annual advisory fee of 0.30% for an account market value of $500+.
Bars show only when every app here lists a yearly price, so these prices sit side by side without them. Prices are list prices from each app's own page, before tax and any offer. Investing fees appear as each company states them. A yearly advisory fee is a percent of your balance, not a monthly price, so it never gets a bar or a price tag.
At a glance
APY
- Chime
- 1.00% to 4.00% APY
- E*TRADE
- Not verified yet
Source
- Chime lists 1.00% APY for standard members, 3.00% APY for Chime Plus and 4.00% APY for Chime Prime, in rates effective Oct 6, 2026. The rate is variable. Chime says there is no minimum balance, but you need $0.01 in savings to earn interest. The higher rates depend on Chime Plus or Chime Prime status, which ties to qualifying direct deposits. help.chime.com/what-is-annual-percentage-yield-apy-dfafd381, as of Oct 24, 2026.
- E*TRADE: Not verified yet.
App Store rating
- Chime
- 4.81,629,130 ratings
- E*TRADE
- 4.7380,760 ratings
Source
- Chime has 4.8 out of 5 on the App Store from 1,629,130 ratings. App Store listing, as of Oct 24, 2026.
- E*TRADE has 4.7 out of 5 on the App Store from 380,760 ratings. App Store listing, as of Oct 24, 2026.
Platforms
- Chime
- Not verified yet
- E*TRADE
- Not verified yet
Source
- Chime: Not verified yet.
- E*TRADE: Not verified yet.
Minimums
- Chime
- Chime says its savings account has no minimum balance requirement.
- E*TRADE
- Not verified yet
Source
- Chime says its savings account has no minimum balance requirement. help.chime.com/what-is-the-chime-savings-account-f189355c, as of Oct 24, 2026.
- E*TRADE: Not verified yet.
Account minimum
- Chime
- Not verified yet
- E*TRADE
- E*TRADE says Core Portfolios are managed for a 0.30% annual advisory fee and a $500 minimum.
Source
- Chime: Not verified yet.
- E*TRADE says Core Portfolios are managed for a 0.30% annual advisory fee and a $500 minimum. us.etrade.com/what-we-offer/our-accounts, as of Oct 24, 2026.
Stock and ETF commissions
- Chime
- Not verified yet
- E*TRADE
- E*TRADE lists standard commissions of $0 for stock and options trades, plus $0.65 per options contract.
Source
- Chime: Not verified yet.
- E*TRADE lists standard commissions of $0 for stock and options trades, plus $0.65 per options contract. us.etrade.com/what-we-offer/pricing-and-rates, as of Oct 24, 2026.
Protection
- Chime
- Chime is not a bank. Banking services come from The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, and pass-through deposit insurance applies only when certain conditions are met.
- E*TRADE
- Not verified yet
Source
- Chime is not a bank. Banking services come from The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, and pass-through deposit insurance applies only when certain conditions are met. help.chime.com/what-is-the-chime-savings-account-f189355c, as of Oct 24, 2026.
- E*TRADE: Not verified yet.
Features
| Feature | Chime | E*TRADE |
|---|---|---|
| Savings goals | Listed by the source | Not verified yet |
✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it. Chime: help.chime.com/what-are-chime-savings-goals-4aef8222, as of Oct 24, 2026.
Screen by screen
Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.
Home
Chime
App Store marketing imageApp Store image with the headline "America's #1 Choice for Banking" showing an Available balance with Savings, Cash back, MyPay and Direct Deposit tiles.App Store listing, as of
E*TRADE
No official screen found yet
Goals
Chime
App Store marketing imageApp Store image with a savings APY headline showing a Savings screen with goals like Wedding and Emergency fund.App Store listing, as of
E*TRADE
No official screen found yet
Card controls
Chime
App Store marketing imageApp Store image with the headline "Earn 5% cash back with Chime Card." showing a Your cards screen with an Add to Apple Wallet button.App Store listing, as of
E*TRADE
No official screen found yet
Settings and security
Chime
App Store marketing imageApp Store image with the headline "Serious security and real-time alerts" showing a Security Center at 100% and a suspicious activity alert.App Store listing, as of
E*TRADE
No official screen found yet
Other screens
Chime
App Store marketing imageApp Store image with the headline "Increase your credit score up to 70 pts" showing a credit score gauge at 720.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Get up to $500 of your pay when you say" showing a MyPay screen with $275 available.App Store listing, as of 
App Store marketing imageApp Store image with a fee-free ATMs headline showing a map with ATM pins.App Store listing, as of
E*TRADE
App Store marketing imageApp Store image 1 of 4 from the E*TRADE listing.App Store listing, as of 
App Store marketing imageApp Store image 2 of 4 from the E*TRADE listing.App Store listing, as of 
App Store marketing imageApp Store image 3 of 4 from the E*TRADE listing.App Store listing, as of 
App Store marketing imageApp Store image 4 of 4 from the E*TRADE listing.App Store listing, as of
Chime and E*TRADE, side by side
Rows marked “Differs” are where the official sources say different things, and one row does here.
Swipe the table sideways to see both apps.
| Field | ChimeBanking appChime is a financial technology company, not a bank, that offers checking and savings accounts through partner banks.Visit Chime's site | E*TRADEInvesting appE*TRADE, from Morgan Stanley, is a brokerage with an investing app, retirement and education accounts, and managed Core Portfolios.Visit E*TRADE's site |
|---|---|---|
| Price and fees | Chime says its savings account has no fees, and you need an active Chime Checking Account to open one.As of Oct 24, 2026. Source: help.chime.com/what-is-the-chime-savings-account-f189355c | Not verified yet. |
| Management or subscription fee | Not verified yet. | E*TRADE's Core Portfolios list a flat annual advisory fee of 0.30% for an account market value of $500+.As of Oct 24, 2026. Source: us.etrade.com/what-we-offer/pricing-and-rates |
| APY or rate | Chime lists 1.00% APY for standard members, 3.00% APY for Chime Plus and 4.00% APY for Chime Prime, in rates effective Oct 6, 2026. The rate is variable.Chime says there is no minimum balance, but you need $0.01 in savings to earn interest. The higher rates depend on Chime Plus or Chime Prime status, which ties to qualifying direct deposits.As of Oct 24, 2026. Source: help.chime.com/what-is-annual-percentage-yield-apy-dfafd381 | Not verified yet. |
| Opening and balance minimums | Chime says its savings account has no minimum balance requirement.As of Oct 24, 2026. Source: help.chime.com/what-is-the-chime-savings-account-f189355c | Not verified yet. |
| Account minimum | Not verified yet. | E*TRADE says Core Portfolios are managed for a 0.30% annual advisory fee and a $500 minimum.As of Oct 24, 2026. Source: us.etrade.com/what-we-offer/our-accounts |
| Stock and ETF commissions | Not verified yet. | E*TRADE lists standard commissions of $0 for stock and options trades, plus $0.65 per options contract.As of Oct 24, 2026. Source: us.etrade.com/what-we-offer/pricing-and-rates |
| Account types | Not verified yet. | E*TRADE lists these account types: Brokerage account, Traditional IRA, Roth IRA, Rollover IRA, Coverdell ESA, Custodial Account and Brokerage account for a minor.As of Oct 24, 2026. Source: us.etrade.com/what-we-offer/our-accounts |
| Fractional shares | Not verified yet. | Not verified yet. |
| Automatic investing | Not verified yet. | E*TRADE says Core Portfolios are rebalanced as necessary using advanced technology.As of Oct 24, 2026. Source: us.etrade.com/what-we-offer/pricing-and-rates |
| Managed portfolios (robo) | Not verified yet. | Core Portfolios is E*TRADE's professionally managed advisory solution that builds, monitors and manages a portfolio.As of Oct 24, 2026. Source: us.etrade.com/what-we-offer/pricing-and-rates |
| Protection | Chime is not a bank. Banking services come from The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, and pass-through deposit insurance applies only when certain conditions are met.As of Oct 24, 2026. Source: help.chime.com/what-is-the-chime-savings-account-f189355c | Not verified yet. |
| Platforms | Not verified yet. | Not verified yet. |
| Features |
| Not verified yet. |
| App store ratingDiffers | Chime has 4.8 out of 5 on the App Store from 1,629,130 ratings.As of Oct 24, 2026. Source: App Store listing | E*TRADE has 4.7 out of 5 on the App Store from 380,760 ratings.As of Oct 24, 2026. Source: App Store listing |
App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. How we source and date this data. Spotted a change? Tell us if something changed.
Weighing a third option? Add up to two more apps to this table and compare up to four side by side.
Who it's for
Pick the tab that sounds like you. The questions come from app help centers, FAQ pages and user forums, and every answer comes from the app's own pages, with the date we checked it.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
Chime
Chime says its savings account has no fees, and you need an active Chime Checking Account to open one.
As of . Source: help.chime.com
E*TRADE
Not verified yet
Partners
Sharing money with a partner? Here's how each app handles a second person.
Can my partner use their own login details?
Chime
Yes. Your partner gets their own login.
In their words: “To open and keep a joint account, each co-owner must have their own active Chime Checking Account.”
As of . Source: help.chime.com
E*TRADE
Not verified yet
How many people can share one account?
Chime
Up to 2 people, including you.
In their words: “A joint account is a checking account owned and shared by two people to manage money together.”
As of . Source: help.chime.com
E*TRADE
Not verified yet
Can we keep shared and individual views?
Chime
Yes. You can keep shared and individual views.
In their words: “To open and keep a joint account, each co-owner must have their own active Chime Checking Account.”
As of . Source: help.chime.com
E*TRADE
Not verified yet
Family
Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.
How many people can share one account?
Chime
Up to 2 people, including you.
In their words: “A joint account is a checking account owned and shared by two people to manage money together.”
As of . Source: help.chime.com
E*TRADE
Not verified yet
Freelancer
Paid on an uneven schedule or running a side hustle? Here's what each app offers. See apps with a SEP IRA or Solo 401(k).
Can I mix business and personal expenses in this app?
Chime
No.
In their words: “We don't currently support business accounts.”
As of . Source: help.chime.com
E*TRADE
Not verified yet
Business
Running a small business? Here's what each app says about business money.
Can I mix business and personal expenses in this app?
Chime
No.
In their words: “We don't currently support business accounts.”
As of . Source: help.chime.com
E*TRADE
Not verified yet
“Not verified yet” means we haven't found a current official source that answers it, not that the app can't. We only say no when the app's own page does.
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Save the Raise.
SpenderChime lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
First fix: Sleep on It.
SaverChime lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
First fix: Put It to Work.
ScramblerNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither Chime nor E*TRADE feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.
What real users say
These are other people's opinions, not Priceless Tay's. We quote public reviews and posts word for word, link each one and show its date, but we haven't checked the claims in them. A post counts toward a theme when it uses one of that theme's keywords, so a mention can be praise or a complaint.
What Chime users say
Based on 500 App Store reviews, 7 Reddit posts, 1 YouTube video and 2 Hacker News posts dated May 2026 to Oct 2026, read Oct 2026. We collected the Reddit and YouTube data with Apify, a scraping service, on Oct 24, 2026.
- Of the 510 reviews, posts and videos we read, 83 mention deposits, transfers or getting paid.
- Of the 510 reviews, posts and videos we read, 45 mention how easy or hard the app is to use.
- Of the 510 reviews, posts and videos we read, 40 mention customer service or support.
Positive
“It’s the best banking app out there in my opinion. You can get paid two days earlier than your paycheck...”
Critical
“Worst customer service and dispute resolution it takes over 3 months so they can tell you your dispute was denied...”
Mixed
“I've had chime for 3 years and for the most part it's been a great experience.”
Where these come from
- Chime reviews on the App Store, read Oct 24, 2026. The public feed returns the 500 most recent US reviews. We kept every one dated inside the window.
- Hacker News search for Chime, read Oct 24, 2026. Public search of comments and posts. 13 named the app; we kept 2 where the writer shares their own use of it.
- Reddit search for Chime, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "Chime bank", posts and comments from after Oct 24 2025. It returned 61, most of them about something else. We kept 7 where the writer shares their own use of the app or a clear opinion of it. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
- YouTube search for Chime, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "Chime bank review" from the past year, up to 8 videos. It returned 8. We kept 1 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
- u/Beautiful_Boat3144 in r/CashApp on Reddit, Oct 24, 2026.
- u/Dankdefender420 in r/chimefinancial on Reddit, Oct 24, 2026.
- u/Sure-Resist-1415 in r/chimefinancial on Reddit, Oct 23, 2026.
- u/LittleLotteRae in r/chimefinancial on Reddit, Oct 23, 2026.
- u/Extreme_Set485 in r/chimefinancial on Reddit, Oct 23, 2026.
- u/Revolutionary_Ad1168 in r/Mercari on Reddit, Oct 23, 2026.
- u/dnyte270 in r/chimefinancial on Reddit, Oct 22, 2026.
- devchix on Hacker News, Oct 22, 2026.
- jimz on Hacker News, Jun 25, 2026.
- "Why I Will NEVER Use Chime Bank Again (Shocking Truth)" by Credit Card Blueprint on YouTube, May 17, 2026.
FAQ
How much does Chime cost?
Chime says its savings account has no fees, and you need an active Chime Checking Account to open one. We checked this on Oct 24, 2026.
How much does E*TRADE charge?
E*TRADE's Core Portfolios list a flat annual advisory fee of 0.30% for an account market value of $500+. We checked this on Oct 24, 2026.
What APY does Chime list?
Chime lists 1.00% APY for standard members, 3.00% APY for Chime Plus and 4.00% APY for Chime Prime, in rates effective Oct 6, 2026. Chime says the rate is variable. Chime says there is no minimum balance, but you need $0.01 in savings to earn interest. The higher rates depend on Chime Plus or Chime Prime status, which ties to qualifying direct deposits. We checked this on Oct 24, 2026.
What is E*TRADE's app store rating?
E*TRADE has 4.7 out of 5 on the App Store from 380,760 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
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Keep comparing
- See Chime alternatives, closest category first.
- See E*TRADE alternatives, closest category first.
- Browse our guide to the best high-yield savings accounts.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and confidence
- Last checked
- Not verified yet
- 4 of 17 facts
Chime6 of 7 verified, 1 not verified yet, last checked Oct 24, 2026
- Price and feeshelp.chime.com/what-is-the-chime-savings-account-f189355c, as of Oct 24, 2026
- APY or ratehelp.chime.com/what-is-annual-percentage-yield-apy-dfafd381, as of Oct 24, 2026
- Minimumshelp.chime.com/what-is-the-chime-savings-account-f189355c, as of Oct 24, 2026
- Protectionhelp.chime.com/what-is-the-chime-savings-account-f189355c, as of Oct 24, 2026
- PlatformsNot verified yet
- Featureshelp.chime.com/what-are-chime-savings-goals-4aef8222, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
E*TRADE7 of 10 verified, 3 not verified yet, last checked Oct 24, 2026
- Management or subscription feeus.etrade.com/what-we-offer/pricing-and-rates, as of Oct 24, 2026
- Account minimumus.etrade.com/what-we-offer/our-accounts, as of Oct 24, 2026
- Stock and ETF commissionsus.etrade.com/what-we-offer/pricing-and-rates, as of Oct 24, 2026
- Account typesus.etrade.com/what-we-offer/our-accounts, as of Oct 24, 2026
- Fractional sharesNot verified yet
- Automatic investingus.etrade.com/what-we-offer/pricing-and-rates, as of Oct 24, 2026
- Managed portfolios (robo)us.etrade.com/what-we-offer/pricing-and-rates, as of Oct 24, 2026
- ProtectionNot verified yet
- PlatformsNot verified yet
- App store ratingApp Store listing, as of Oct 24, 2026
- Reference: banks.data.fdic.gov/bankfind-suite/bankfind, checked Oct 24, 2026.
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it reads “Not verified yet” until we check it again. How we source, date and index this data.
This is education, not financial advice.
