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Consider your days of dealing with banking fees, just so that you can have a bank account in your name, officially over. Founded in 2012, Chime is a financial technology company (not a bank) created with the goal of making banking services affordable and accessible to everyday people like you. Sounding a little too good to be true? Well, we did the research, and Chime's model is as legit as they come. Its model is based on interchange fees, so it makes money from merchants when you use your card, not from penalizing you.