Chime vs Simple - a head-to-head comparison of two of the newest and most You'll also receive the Chime Visa Debit Card. so unless you have direct deposit, you will struggle trying to add funds to the account. I recently. Download Chime - Mobile Banking and enjoy it on your iPhone, iPad, and With SpotMe, eligible members can overdraft up to $* on debit card purchases a bank account they send you a card that is compatible with Apple Pay to search for through your transactions and maybe add Zelle to the app. Chime has even nixed the foreign transaction fee for debit card purchases. Those small amounts add up, especially if you make numerous transactions.