February 4, 2025
Prepaid cards aren’t tied to a bank account and often have activation or reload fees – Chime avoids those. In short, it’s about as “free” as a bank account can get, especially compared to traditional banks that profit from fees. Chime’s debit card is ideal for tech-savvy individuals who are tired of bank fees. (10) Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.
As the holiday menu phases out, Starbucks is introducing new winter additions, including caramel protein-centric drinks—the Caramel Protein Matcha and Caramel Protein Latte—and the return of pistachio-flavored favorites. Holiday cold foams (Chocolate Peppermint, Sugar Cookie, Chestnut Praline, Caramel Brûlée) and bakery favorites such as the Cranberry Bliss Bar, Sugar Plum Cheese Danish, Cinnamon Pull-Apart Bread, Polar Bear Cake Pop, and the classic Snowman Cookie round out the festive menu. According to posts on social media, Starbucks’ employees say the holiday menu usually ends “once we are out of the product,” meaning some stores are likely to keep selling the festive offerings while other locations can’t.
There are no monthly or maintenance fees for the account (1) It’s not a limited-use prepaid card; it’s a full-fledged debit card with the backing of The Bancorp Bank/Stride Bank. To qualify, you need at least $200 in direct deposits each month and an active Chime debit card. Unlike credit cards, you can’t request a higher limit – it’s a built-in safeguard.
With features like Get Paid Early, SpotMe overdraft protection, and an easy-to-use app, Chime delivers everyday banking that’s simple and customer-friendly. Add your Chime debit card to Google Pay, Apple Pay, or Samsung Pay. If you absolutely must use an out-of-network ATM, try to withdraw a larger amount infrequently (instead of multiple small withdrawals) to minimize fees. Just because you’re using a debit card doesn’t mean you have to miss out on perks! While the Chime debit card itself doesn’t earn cashback, you can still earn rewards on those debit purchases by using the free Kudos browser extension.
With a Chime® Checking Account, you will pay no monthly maintenance fees or annual fees (1) . If you lose your card, you can send a notification through the app, stop transactions on your account and order a new card if needed. This debit card may be used anywhere that Visa® cards are accepted. All of the accounts you open through Chime® are insured by the Federal Deposit Insurance Corporation, and users do not have to worry about an annual fee (8) . This Chime® review offers a closer look into a mobile banking app that is dominating Google Play and the Apple App Store.
Red Cup Day — the annual celebration complete with complimentary holiday cups — is slated for an unnamed date later in the season. Temperatures haven’t cooled much across the United States, but Starbucks is already thinking about the winter holiday season. These limited-edition collections are available at participating coffeehouses in the U.S. beginning Jan.6 for a limited time while supplies last.”
With seasonal flavors such as Peppermint Mocha, Chestnut Praline, and Sugar Cookie Latte, we’re seeing boundless holiday joy to explore. Creamers, ready-to-drink coffees, Keurig, and Nespresso pods are hitting shelves this week. They weren’t as fortunate in 2021, when the Eggnog was last removed from seasonal menus. The creamy latte was first introduced in 1986, establishing itself as one of Starbucks’ earliest seasonal items. The holiday menu will be available at Starbucks nationwide beginning November 6, the chain tells Food & Wine. (8) There’s no fee for the Chime Savings Account.
And if you do misplace it, Chime’s app toggle for card transactions ensures no one else can use your money while you figure out where your card is. Many users appreciate that they can add the Chime card to digital wallets and use tap-to-pay on their phone. From the moment you open your Chime® Checking Account, you get a virtual card you can use via Apple Pay or Google Pay. So, it’s best to stick to the free network when withdrawing cash. Chime offers access to over 47,000 fee-free ATMs nationwide.
There are over 47,000 fee-free ATMs located at stores like Walgreens, CVS or 7-Eleven (2) Just remember to replenish your account; if your account stays negative for too long, Chime may suspend your SpotMe until you’re back in the black. You’ll see a negative balance, but when your next direct deposit comes in, Chime will automatically apply it to bring your balance back to positive. Your initial SpotMe limit might be $20, but it can increase up to $200 based on your account history. If you attempt to use the card beyond these limits, the transaction will be declined.
The chain is also returning the Valentine Cake Pop as a seasonal treat. The New Truffle, Mushroom & Brie Egg Bites are hitting the menu for a limited time only so grab them while you can. This creamy, icy drink combines sweet pistachio flavor with coffee and milk, and is topped with whipped cream and a salted brown-buttery topping..
The Chime Visa® Debit Card offers a refreshing, fee-free banking experience that aligns with what modern consumers expect – transparency, convenience, and control via smartphone. Also, getting cash back at a grocery store or pharmacy with a purchase is a workaround to ATM fees – Chime won’t charge for that, since it’s processed as a purchase. It’s a nifty way to double-dip on savings without a credit card. On the flip side, if you frequently deal with cash or require complex banking services, Chime might feel limiting – a traditional bank might serve those needs better. For instance, Chime doesn’t use ChexSystems, so even if you’ve been banned by a bank before, you can often get a Chime® account – making it a solid “second chance” banking option.
In the world of personal finance, it’s all about making your money work harder for you – and both Chime and Kudos are built to do exactly that. Not only does this let you pay with your phone, but it also tokenizes your card info (adding security) and can make transactions smoother. Before traveling or going out, use the Chime app’s ATM map to locate a fee-free ATM if you anticipate needing cash. Similarly, enable “Automatic Savings” to siphon, say, 10% of each paycheck into savings. If you only have your Chime card, Kudos Boost at checkout ensures you still get some cashback.
In summary, the Chime Visa Debit Card is best for people seeking a low-cost, online-first banking solution that covers everyday spending and basic saving automatically. College students or those new to banking appreciate Chime’s simplicity and lack of minimums. Because it’s a Visa debit, you can use the Chime card anywhere Visa is accepted – online, in-store, worldwide. Out-of-network ATM withdrawal and over-the-counter advance fees may apply except at MoneyPass ATMs in 7-Eleven stores, or any Allpoint or Visa Plus Alliance ATM.
There’s still plenty of time to enjoy your fall faves—obvi, the Pumpkin Spice Latte, but also newcomer Pecan Oatmilk Cortado, plus the Pumpkin Cream Cold Brew, Iced Pumpkin Cream Chai, Pecan Crunch Oatmilk Latte, and Pecan Cold Foam. Customers can score the collectible, reusable cup “later this season” with the purchase of a handcrafted holiday beverage. The bakery case is getting similar treatment, with returning fan favorites like the Snowman Cookie, Cranberry Bliss Bar, and Sugar Plum Cheese Danish. PSL season has barely begun and Starbucks is already spilling the tea (or…espresso?) on the 2025 holiday lineup.
You can, of course, also transfer money from your checking account into your savings account apart from these automatic saving tools available to you. That may be low compared to some in-person banks, but it’s still a great option because of the lack of fees (8) and the other money-saving options available to you. Users can also open savings accounts instead of relying on checking accounts. When you open your Chime account, you get a Visa debit card that draws from your Chime checking balance.
When shopping online, Kudos can apply coupons and even suggest if using a different card yields better rewards. Just remember it’s meant for occasional emergencies, not routine use. Essentially, Chime covers the negative balance and then uses your next deposit to square up.
In addition to these February menu highlights, Starbucks is kicking off the year with a playful collaboration tied to YouTube creator MrBeast. The White Chocolate Strawberry Cream Cold Brew and Strawberry Shortcake Frappuccino both deliver sweet, photogenic moments for seasonal indulgence. Notably, Starbucks is bringing back its raspberry syrup (featured in the Double Berry Matcha) as a permanent menu option — an ingredient that fans have been requesting. Starbucks says it’s onboarding the beloved cartoon cat to “celebrate friendship” and evoke comforting nostalgia through their vegas casino app collaboration. You can look forward to a Polar Bear Cake Pop and Cinnamon Pull-Apart Bread (the latter of which has been circulating on social media lately).
Also, Chime is FDIC-insured (through its partner banks), which most prepaid cards don’t offer. Yes – the Chime Visa Debit Card comes with no monthly fees or service charges. As long as those aren’t on your must-have list, the Chime debit card stands out as a top choice in 2025 for hassle-free spending.
The physical card will be mailed to you at the address that you provide within 10 business days. You can use these accounts to cover everyday expenses and invest in assets. Discover Current Spend Account and read about how to open one, what benefits can give and how to manage your account online from the app.
Travelers and digital nomads also benefit, because you can use the debit card internationally with no extra fees, and the Visa network ensures global acceptance. The Starbucks 2025 holiday menu officially launched nationwide on November 6, 2025, featuring six festive beverages—many returning after a year’s absence—alongside themed cold foams and seasonal bakery items. (1) Chime has out-of-network ATM and cash deposit fees.
(3) SpotMe on debit is an optional service that provides fee-free overdraft if a member meets certain qualification criteria. There’s no fee for the Chime Savings Account. However, automatic savings tools can streamline your path to long-term financial goals and make you less prone to impulsive spending.