Short answer: Kronos for gig workers; Chime for general banking.
Chime is a strong general banking app (good early direct deposit, SpotMe overdraft up to $200) but does not offer pay advances, high-yield savings, or crypto. Kronos covers everything Chime does plus $1,000 pay advances at 0% APR, 2.5% APY savings, and 30+ cryptos with $0 fee on Pro.
If you primarily care about a free everyday account and early direct deposit, Chime is fine. If your income is variable (gig, freelance, 1099) or you want crypto + savings APY, Kronos wins.