Arc
Software-driven banking & growth capital for startups
Chime
Banking with no hidden fees and fee-free overdraft
Updated February 2026
| Arc | Chime | |
|---|---|---|
| Rating | 4.9★ | 5.0★ |
| Reviews | 20 | 3 |
| Pros | 17 | 0 |
| FactScore™ | 64.3 | 30.1 |
FactScore™ Comparison
FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.
Pros & Cons
Only in Arc — Pros
Excellent customer support Comprehensive startup banking Modern UX/UI Responsive team Fast account setup High yield savings Secure platform Software-driven banking Efficient cash management Fast product development Tech-centric platform Growth capital access Community trust High interest rates Integrated financial products No equity requirement Transparent processBoth tools — Pros
—Only in Chime — Pros
No unique pros listedOnly in Arc — Cons
Billing issuesBoth tools — Cons
—Only in Chime — Cons
—Details
| Arc | Chime | |
|---|---|---|
| Categories | Online banking, Financial planning, Neobanks, Treasury management platforms | Online banking, Neobanks, Money transfer |
| Platforms | Web | Web · iOS · Android |
| Became Popular | June 29, 2023 | January 12, 2016 |
| Website | www.arc.tech | www.chime.com |
Who Should Pick Which?
Choose Arc if...
- Excellent customer support
- Comprehensive startup banking
- Modern UX/UI
Choose Chime if...
- No unique pros listed
With a FactScore™ of 64.3 vs 30.1, Arc leads in community reception. Arc uniquely offers Excellent customer support and Comprehensive startup banking, while Chime stands out for No unique pros listed.
What Users Say
Arc
Arc has become widely used and well-regarded in the YC Community, which has high standards for products like this. Many YC companies tell us they love Arc and have had a great experience. In the wa...
We recently became customers of Arc at Momentum, but have been following their progress for the last 9 months or so. The speed at which they've been able to ship a full suite of products for startu...
HUGE fan of Arc, they have made everything so simple that we have basically automated all of our startup banking needs. It also doesn't hurt that we get 5%+ APY on our savings in the account. 10/10...
Chime
I like the authentication of the app I can easily use my fingerprint to login instead of the password. Overall I love how it lets me know through notifications that my money is on the way.
Having a bad credit will mess up your life. I was in deep mess because I had a poor credit report and almost everything I applied for was turned down. I did my research and stumbled upon this geniu...
Great job, this is very powerful platform
Related Comparisons
Frequently Asked Questions
Which is better, Arc or Chime?
Based on FactScore™, Arc leads with a score of 64.3 vs 30.1. Arc has a higher rating of 4.9★ compared to 5.0★.
What are the pros of Arc compared to Chime?
Arc uniquely offers: Excellent customer support, Comprehensive startup banking, Modern UX/UI, Responsive team, Fast account setup.
What are the pros of Chime compared to Arc?
Chime uniquely offers: No unique pros listed.
Is Arc better rated than Chime?
Arc is rated 4.9★ from 20 reviews. Chime is rated 5.0★ from 3 reviews.
What is the FactScore™ of Arc and Chime?
FactScore™ weighs rating and review volume together. Arc scores 64.3 and Chime scores 30.1.
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