Internship

Software Engineering Intern

Finplat

Posted on 1/30/2025

Chime

Chime

1,001-5,000 employees

Online banking platform offering fee-free services

Compensation Overview

$34 - $49/hr

San Francisco, CA, USA

Hybrid work policy with in-office days required.

Category
Backend Engineering
FinTech Engineering
Software Engineering
Required Skills
Kotlin
Rust
Agile
Python
Java
AWS
Go
Requirements
  • Currently pursuing a Bachelor’s or Masters degree in Computer Science, Software Engineering or a related field
  • Have experience in Golang or other backend languages such as Java, Kotlin, Rust, and Python
  • Understand standard software design patterns and best practices
  • Have a passion for learning and applying technology to solve real-world problems
  • Experience with AWS or other cloud platforms, Cloud Native technology, No-SQL Databases as a bonus!
Responsibilities
  • Assist with the design, development, testing, and deployment of platform features
  • Learn and execute on agile methodologies, follow test-driven development approach
  • Work with a cross-functional team and understand how software is developed and maintained at scale
Desired Qualifications
  • Experience with AWS or other cloud platforms, Cloud Native technology, No-SQL Databases as a bonus!

Chime provides online banking services without physical branches, focusing on a fee-free experience for its customers. It partners with The Bancorp Bank, N.A. and Stride Bank, N.A. to offer a debit card and various financial services. Key features include SpotMe, which allows users to overdraft up to $200 without fees, and direct deposit that can deliver paychecks up to two days early. Chime does not charge monthly fees, minimum balance fees, or foreign transaction fees, and offers access to over 60,000 fee-free ATMs. Additionally, it provides a secured credit card that helps users build their credit without a credit check, and a savings account with a competitive 2.00% APY. Chime differentiates itself from traditional banks by operating entirely online and focusing on user-friendly financial management tools. The company's goal is to simplify banking and help customers manage their finances effectively.

Company Size

1,001-5,000

Company Stage

Series G

Total Funding

$2B

Headquarters

San Francisco, California

Founded

2012

Simplify Jobs

Simplify's Take

What believers are saying

  • Chime+ offers a 3.75% APY, attracting more direct deposit users.
  • Chime Workplace expands services to employers, increasing user base and revenue.
  • Instant Loans provide quick credit access, differentiating Chime from traditional banks.

What critics are saying

  • Increased competition from Cash App with rising direct deposit users.
  • Market uncertainty delays IPO plans, impacting growth strategies.
  • Reliance on interchange fees may be threatened by regulatory changes.

What makes Chime unique

  • Chime offers fee-free banking with no monthly or foreign transaction fees.
  • Chime's SpotMe allows overdrafts up to $200 without fees, enhancing user trust.
  • Chime's secured credit card helps users build credit without a credit check.

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Benefits

Competitive salary based on experience

401k match plus the usual medical, dental, vision, life, and disability benefits

Generous vacation policy and company-wide Take Care of Yourself Days

Virtual events to connect with your fellow Chimers- think cooking classes, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

0%
PYMNTS
Apr 4th, 2025
Report: Tech Companies Pause Ipo Plans Amid Investor Uncertainty Caused By Tariffs

Several technology and FinTech companies reportedly paused their activities related to initial public offerings (IPOs) amid the stock market fall and investor uncertainty caused by the President Donald Trump administration’s announcement of tariffs. Five companies that were in various stages of their IPO-related plans are temporarily halting or rethinking them, The Wall Street Journal (WSJ) reported Friday (April 4), citing unnamed sources. Buy now, pay later (BNPL) provider Klarna and ticketing marketplace StubHub, which had both planned to start their IPO roadshows next week, have postponed those events, according to the report

PYMNTS
Apr 3rd, 2025
Cash App’S Growing Number Of Direct Deposits Marks Progress In Expansion Efforts

Block’s Cash App is reportedly making progress in its efforts to offer banking services to customers who mostly use the app to make payments. The number of the app’s users who have their paychecks directly deposited into their Cash App account rose by 25% year over year to reach 2.5 million in December, Bloomberg reported Thursday (April 3). This is a key metric because those who have set up direct deposit are most likely to use the company’s other banking services, according to the report

Crowdfund Insider
Apr 2nd, 2025
Consumer Fintech Chime Introduces New Features, Redesigned App and Financial Wellness Suite

On March 31, 2025, Chime introduced Chime+, a premium membership tier with various new features in a redesigned app, alongside the launch of Chime Workplace, a financial wellness suite under its Chime Enterprise division.

PYMNTS
Mar 31st, 2025
Chime Debuts Premium Tier And New Banking Features

Mobile banking app Chime launched a premium membership program alongside several new features.Chime+ is available exclusively to members who direct deposit, the company said in a Monday (March 31) news release. Benefits include a 3.75% APY savings rate, exclusive merchant deals and priority customer support.“In addition to Chime+, Chime is also rolling out a redesigned app experience that features a variety of new, smarter tools to help all members manage money, build credit and save with confidence…,” the release said.Members can build credit on purchases from the day they open an account, rather than needing to direct deposit via Chime, per the release. In addition, Chime’s app now allows members to see FICO tracking and view the factors affecting their credit scores.“With today’s launches, we’re making it even easier for our members to manage their money and grow their credit,” Chime Chief Product Officer Madhu Muthukumar said in the release.The company is also debuting Chime Workplace, a suite of financial wellness services, according to a separate Monday news release. This gives employees access to Chime products that help with income management, savings, credit, and loyalty and rewards.Earlier this month, Chime introduced Instant Loans, which lets pre-approved members who receive direct deposits to their Chime Checking Accounts access three-month installment loans of up to $500.In other mobile banking news, PYMNTS last week examined efforts by credit unions (CUs) to update their banking apps in a conversation with David Durovy, senior vice president of transformation at i2c.“We’re in a mobile-first and mobile-native world, and we have to be transacting there,” Durovy said. “But that’s one of the key areas where even today, a large number of credit unions still haven’t been provided the capabilities from their existing partners to be able to get there.”Due to those limitations, CUs cannot fully capitalize on one of their competitive differentiations: the close knowledge of the markets they serve. To fully digitize, CUs must deliver new capabilities, new services and new ways of interacting

PYMNTS
Mar 31st, 2025
Chime Debuts Premium Tier and New Banking Features

Mobile banking app Chime launched a premium membership program alongside several new features.

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