The claim fee free is a lie. Because there are no physical Bank locations there's no way to make a deposit for free you have to use a third-party option which means you have to pay. Same thing with the ATM. The handy dandy chime app gives you a list of pre-approved ATMs too bad you're still getting charged a third-party fee. So what makes baking with chime fee free? I got to pay to use an ATM I got to pay to deposit money