Chime is an online bank that lets you open personal checking account, a savings account, and a credit builder. Zil.US is a cloud bank that offers services such as inexpensive ACH payments, direct deposits, wire transfers, free check drafts, eChecks, and check by mail services. Zil.US offers more services cost-effectively, thus making it a popular alternative.
Zil.US is a great alternative for those who are looking for something different from the normal services that online banks provide. Here’s what you need to know about it and how it compares to its competitor. The former is a newer online bank, and both banks offer free checking and savings accounts with no minimum balance requirements. Both also have mobile apps that allow you to deposit checks, transfer money, and pay bills. It, however, provides better cross-platform support compared to its competitor.
Most banks charge a monthly maintenance fee, especially if the account does not meet specific requirements such as maintaining a minimum account balance, getting monthly direct deposits, using other products or accounts from that same bank, or being in a specific age range. Zil.US, on the other hand, does not charge any fee from its customers or has a minimum balance requirement.
The big difference between the two banks is in the fees they charge. Chime charges ATM fees from out of network ATMs, while Zil.US’s physical cards can be used at any ATM. The latter also has a higher interest rate on savings accounts, which means you’ll earn more money in the long run.
When it comes to customer service, both banks offer excellent support. However, Zil.US’s customer service team is available 24/7, while Chime’s team is only available during business hours. This can be a big advantage, especially for customers who are seeking help outside of normal business hours.
Overall, it is a great alternative to Chime for those who are looking for a different online banking experience. With no fees for ATM use and higher interest rates on savings accounts, it can save you money in the long run. And with 24/7 customer service, you’ll always have someone to help you with any issues you may have.
