Chime is one of the most popular digital banks in the US right now. Because of that, many users are interested in knowing all the ins and outs of Chime and the usage of its cards. Show
In this article, we’re explaining how to transfer money to your Chime account and card. Here’s a short version: It’s easy to load your Chime account and card whether you have cash or want to transfer money from another account. Here are the ways to do it:
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affiliate, I get a commission at no cost to you if you decide to sign up through my links 1. Direct DepositDirect deposit is the preferred way of adding money to Chime. By setting up a qualifying direct deposit, you can unlock some extra Chime features. For that, you need to receive at least one qualifying direct deposit of $200 or more every 34 days. Because this is the best way to gain popular Chime features, here’s how to do it via the Chime mobile app or website. Using the Chime mobile app, set up the direct by:
READ ALSO: The 10 Most Common Chime Scams You Should Be Aware Of If you can’t find your employer or you want to email or hand-deliver the completed form:
You can utilize this document to set up a direct deposit by your employer, payer, or benefits provider. Using the Chime website, set up the direct by doing the following:
As for the printed form, you can deliver it to your provider or attach it to an email. If your payroll or benefits provider demands you to provide the address of the bank, you can simply deliver them the name and address of the Chime partner bank that keeps your deposits. To find out which bank is yours, go to Settings > Account Policies & Terms. You’ll see one of the two Chime partner banks:
With Chime’s early direct deposit, the money will be in your Chime account as soon as they receive it from your employer or payer. There are no unnecessary reviews and hold-backs. 2. Cash Deposit
Despite all the digital banks and financial apps cropping up, cash is still a vital part of our lives. At least for some people. For that reason, you can easily deposit cash to Chime at 90,000+ retail locations, nationwide. Simply ask the sales assistant or cashier to make a deposit to your Chime account. Using this method, you can make up to three deposits in a day and up to $1,000 in 24 hours until you reach a maximum of $10,000.
READ NEXT: Payday Loans That Accept Chime [The 6 Best Apps] Cash deposits are available within two hours of deposits. It’s worth noting that Walgreens locations (including Duane Reade), will do this for free, without fees. Other stores and locations may have their own limits as well as fees per transaction. Buyer beware. 3. Bank Transfer Initiated Through The Chime Mobile App Or Website
You can initiate a bank transfer by linking your external bank account to your Chime account by using the Chime app and the “Move Money” feature, or by signing into your account on the Chime website. Digital Banking Apps Worth to Know About
Current: Best for Early Direct Deposit
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As a mobile banking app affiliate, I get a commission at no cost to you if you decide to sign up through my links From the Chime app:
Once you link your accounts, you can perform unlimited transfers from the external account to Chime. The link will be instant. Chime supports many banks, including:
You can search for your bank if it isn’t on the list to see if it’s even supported. These bank deposits can take up to 5 business days from the date of the transfer. ACH Transfers to Chime that are prompted with the Chime app or website have a limit of:
Sometimes, you might see an error message when using Chime app to send funds from a linked external account into Chime. In that case, you can log into the external account and transmit the funds from there. READ ALSO: How to Transfer Money from Chime to Cash App (Quick Guide) 4. Bank Transfer From An External Account
You can also make transfers to Chime from your other bank’s website. If your bank offers this service, make the transfer by doing the following:
There are no limits on ACH transfers that you initiate from an external account in terms of the number of times per day or a maximum dollar limit. However, your bank may set its own fees and limits. You will generally receive these deposits within 3 business days from the time the transfer was initiated by the bank. 5. Debit Card
You can transfer money to your Chime account and card almost instantly by linking an external bank account and adding your debit card number. 6. Mobile Check DepositYou can have Chime’s mobile check deposits enabled only at the discretionary decision by the company. They base the decision on:
If you have received a direct deposit (see point 1) your mobile check deposits will be turned on in one day after receiving a qualifying deposit. It’s good to know that tax refunds don’t count as qualifying direct deposits. READ ALSO: 4 Easy Ways To Buy Bitcoin With Chime Bank (A Quick Guide) Mobile check deposits aren’t available for:
However, you can deposit checks that:
How to Deposit a Check?
You can deposit your check utilizing Chime’s mobile app by doing the following:
Can You Make Wire Transfers to Your Chime Account?At this time, Chime doesn’t allow wire transfers. However, they may add this feature in the future. For now, at least, you’ll have to use one of the methods described above. ConclusionWe showed you various ways of depositing money to your Chime card and checking account. Which one you choose is up to you. Of course, you can use more than one method, depending on your situation. If you have cash at hand that you want to deposit, go to Walgreens for free deposits. If you want to get your paychecks into Chime, set up the direct deposit for added Chime features. Alternatively, if you’re still getting paper checks, see if you’re eligible for Chime’s mobile check deposits as it’s a handy way of depositing them without leaving the sofa and by only using your smartphone.
Adrian Volenik is a fintech enthusiast who loves testing and reviewing digital banking apps and financial products in general. How many digital banking accounts can one man have? Not enough, if you ask Adrian. As his wallet will soon explode if he doesn’t cut back on the number of cards. Can you send money to a Chime card?Many banks allow you to make transfers to Chime from their website. If you have an external bank that offers this service: Log in to the other bank's website. Add your Chime Checking Account using the routing and account numbers that you use for direct deposit.
How can someone send me money to my Chime account?When you send a request for money using Chime, your friend will receive either an email or SMS message from Chime. This message will contain a link to their Chime mobile app that they can use to make the payment to your Chime account.
Can Chime receive money transfers?Chime account holders can easily and quickly receive funds from someone using Pay Anyone. The funds will appear instantly and fee-free in their Chime checking account. There's absolutely nothing to do here to get the money.
Can someone send money to my Chime with a debit card?The text or email contains a link to the Chime website where they can open a Chime Checking Account or use their debit card information to claim their money. Your friend could receive up to three (3) reminders to claim their money.
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