How to Add Money To Chime Card |Step By Step

Chime Cards are free debit cards that come with your Chime Spending Account with no monthly or maintenance fees. You can expect your personalized Chime Card to arrive within five to ten days after completing the application. After that, you can add and withdraw money with your Chime card easily.

With its advanced app-controlled features like instant notifications, blocking, and even card replacement, it’s becoming an increasingly popular option for digital-savvy online bankers. You can even passively save with Chime automatically rounding your debit spend and deposits it back into your savings account.

With over 38,000+ ATMs that you can withdraw from using your Chime card, getting your money is easy. But first, how do you add money to your Chime Card?

You can add money to your Chime card using the following ways: direct deposit, mobile check deposit, electronic transfer, or cash deposit. | Chime.com

Four Ways to Add Money To Chime Card

There are four ways that you can add money to your Chime Card:

  • Direct Deposit
  • Mobile Check Deposit
  • Electronic Transfer
  • Cash Deposit

Before you can add money to your Chime Card, most of the methods will require you to get your Chime routing number and spending account number. Here’s how to get your Chime bank account details:

How To Get Your Chime Account Routing Number & Account Number

Through Chime’s partnerships with The Bancorp Bank and Stride Bank, N.A., all Chime accounts have bank details. Every Chime account sign up generates individual routing and account numbers. In fact, you can find your bank details either on the Chime mobile app or website.

How to find your Chime bank details through the Chime App:

  1. Go to your Chime App.
  2. Tap “Move Money
  3. Select “Settings
  4. Take note of your Bank and Routing Numbers

How to find your Chime bank details through the Chime Website

Consequently, if you don’t have the Chime App on your mobile device, you can also access your routing number and account number from the Chime website.

  1. Go to the Chime Website.
  2. Click “Move Money
  3. Select “Settings
  4. Take note of your Bank and Routing Numbers

Now that you know how to get your Chime routing number and spending account number, you learn about the different ways that you can add money to your Chime Account below:

Chime Cards are free debit cards that come with every Chime Savings Account. | Chime.com

How to Add Money To Chime Card Through Direct Deposit

Direct deposit is one of the most popular uses for Chime. Employers pay their employees through electronically transferring payment through direct deposit with no fees. 

Direct deposit also works for other sources of income including tax refunds, social security, or disability income. Here’s how you can set up your direct deposit on Chime:

1. Fill out a Direct Deposit Form

Direct deposit forms are what employers or payers use to transfer money to your account. Alternatively, you may request a pre-filled Direct Deposit form through either the Chime mobile app or website.

How to Get A Pre-filled Deposit From from the Chime App

To get a pre-filled direct deposit form from your Chime mobile app, here is what you should do:

  1. Go to your Chime Mobile App
  2. Tap “Move Money
  3. Select “Direct Deposit
  4. Choose “Email me a pre-filled direct deposit form
  5. Print or forward the emailed deposit form to your benefits provider
How to Get A Pre-filled Deposit From from the Chime website

If you prefer to get your pre-filled direct deposit form from the Chime website, here's how to do it:

  1. Go to the Chime Website
  2. Tap “Move Money
  3. Select “Direct Deposit
  4. Click “Print” or “Download
  5. Print or forward the emailed deposit form to your benefits provider
Additional Information

However, some benefits providers do require additional information on your bank. Accordingly, you may give either of Chime's bank partners as references: Stride Bank, N.A., or The Bancorp Bank. Here are their additional details:

Stride Bank, N.A.
324 W Broadway Ave.
Enid, OK 73701

The Bancorp Bank
6100 S Old Village Pl
Sioux Falls, SD 57108

2. Provide your personal bank information

A direct deposit to your Chime account requires the following information:

  • Bank account name and address
  • Chime routing number 
  • Chime spending account number
  • Type of Account
  • Name of the account

Otherwise, you may also find this information on a voided check or your bank account statement.

3. Set a direct deposit amount

Chime has an interesting automatic savings feature where you can opt to deposit a percentage of your paycheck into either your savings or current account. For instance, depending on your savings goals, you may choose to separate your payment into either of these accounts.

For example, domestic partners can also opt to split direct deposits into personal or joint accounts. Splitting deposits help couples make sure that you can seamlessly send the budget for household concerns.

4. Submit your direct deposit form to your employer

Upon submission of your direct deposit form, Chime will handle the rest along with your employer. However, it may take up to 1-2 pay cycles before it is processed fully. Alternatively, you may also include a voided check or a deposit slip as additional documents to support the validity of your bank information.

One of the key benefits of enrolling in Direct Deposit is that you can get your paycheck up to 2 days earlier with its Get Paid Early feature. Furthermore, Chime also doesn’t charge a fee for cashing in your checks, unlike in many traditional banks.

How to Add Money To Chime Card Through Mobile Check Deposit

To add money to your Chime Card using Mobile Check Deposit, you must first receive payroll through direct deposit. Subsequently, after a total payroll of over $200 a month made through Chime direct deposit, your Chime App will automatically enable mobile check deposits.

Add money to your Chime card through direct deposit. | Chime.com

If you’re eligible to be deposit checks on your Chime app, the option appears on your Chime app. Here’s how you can claim your check through Mobile Check Deposit:

  1. Prepare the check that you will deposit
  2. Go to your Chime Mobile App or the Chime Website.
  3. Tap “Move Money
  4. Select “Mobile Check Deposit” under “Add Funds
  5. Choose the account that you want to deposit the check into (checking or savings)
  6. Type the exact amount written on the check
  7. Take a clear picture of the front and back of the check
  8. Review the deposit details
  9. Confirm the deposit

Preparing your Check

Make sure that the information on the check is correctly filled and complete with legible writing. While the process is different from when cashing in a check at your local bank, you must still sign the back of the check before taking a photo.

Mobile Check Depositing Times

Different banks will have varying clearing times, so there is no exact time that you will be able to receive your money. However, a good rule of thumb is if you have not received the money within a week, follow up with the issuing bank.

Voiding Your Check

Once the check is deposited and reflected in your Chime balance, make sure to void the actual physical check. For example, the proper way for a check to be void is to write the word “VOID” on the front or rip it up. File it away protects any fraud or malicious intent.

How to Add Money To Chime Card Using Electronic Transfer from Other Banks

There are two ways to do electronic transfers from other banks to your Chime Savings account. You can either do a Chime-initiated electronic transfer or use your external bank’s website or mobile app.

How to Add Money To Chime Card Using Chime-Initiated Bank Transfer

Enabling Chime-initiated electronic transfers is easy to do on your Chime mobile app or through the Chime website. First, you must link your external bank account to your Chime Spending Account. Then, you can connect both bank accounts by doing the following:

  1. Go to your Chime Mobile App or to the Chime Website.
  2. Tap “Move Money”
  3. Select “Transfer” under Transfer Funds
  4. Choose your bank from the accredited list of banks.
  5. Log in using your External bank credentials.

Banks Allowed for Chime-Initiated Electronic Transfers

The following banks are eligible for Chime-initiated electronic transfer: Chase, Bank of America, Wells Fargo, Citi, US Bank, USAA, Fidelity, PNC Bank, Capital One 360, TD Bank, SunTrust, Navy Federal, and Charles Schwab.

Electronic Transfer Limits and Processing Times

Chime allows you to transfer up to $200.00 per day, or $1,000 per month to your Chime savings account. You can expect this to reflect in your Chime balance within five (5) business days.

How to Add Money To Chime Card Using External Bank-Initiated Electronic Transfer

To add money to your Chime Card through an external bank, you must have your Chime Savings Account routing number and bank number. 

Each bank has its own procedures to transfer money from their balance to your Chime account balance. Similarly, be sure to follow their instructions and key in your correct Chime account details.

Any bank that supports ACH transfers will be able to send money to your Chime account. In fact, you may also transfer money from platforms like Paypal to your Chime account using this method. Transfer limits per bank will apply.

How to Add Money To Chime Card With Cash Deposit

Using the Green Dot Network's Reload at the Register, you can deposit money into your Chime Account at over 90,000 retail stores. Here’s how you can do it:

You can add money to you Chime Card through any of the Green Dot Network's retail store partners. | AtTheRegister.com
  1. Go to one of the Green Dot Network’s participating retailers.
  2. Line up at the register, and give them your Chime card.
  3. Hand the retailer associate the amount you want to deposit to your Chime Card.
  4. Wait for up to 10 minutes for your Cash to reflect into your Chime card balance.

Chime Card deposit limit through Reload the Register

Adding money to your Chime Card through this method is allowed up to three times a day. Moreover, the maximum amount of money you can add to your Chime account through the Green Dot Network is $1,000 per day and $10,000 per month.

Deposit Fees through Reload the Register

Take note that the Green Dot Network may charge up to a $4.95 reload fee per transaction. To find the nearest Green Dot Network retailers where you can cash in money to your Chime Card, you can go here.

Frequently Asked Questions

What do I need to qualify for a Chime Card?

Getting a Chime Card can take only 2 minutes. All you have to do is to go to the Chime website and fill out the necessary personal information. The Chime card does not need to do a credit check to grant you a card.

Is the Chime Card a debit card or prepaid card?

The Chime Card is a debit card because it connects to your Chime Savings. While debit cards like the Chime Card allow you to use the funds from your Chime Savings account, prepaid cards have to be preloaded. 

Does Chime Card charge fees for adding money?

Chime cards do not have monthly account fees, overdraft fees, or minimum balance requirements. However, you will have to pay for out-of-network withdrawals that are not covered by the partner ATM networks.

Where can you withdraw money from your Chime Card?

Chime Cardholders can withdraw money from over 38,000 ATMs for free, under any ATM under the MoneyPass® or Visa® Plus Alliance ATM Networks. You may find the nearest fee-free ATM through your Chime App. 

Where can you use your Chime Card?

Despite being only available to citizens of the United States who are 18 and above, your Chime Card is usable all over the world. Chime Cards can work with any merchant that accepts Visa and mobile-payment providers like Google Pay and Apple Pay. 

Is the Chime Card safe to use?

Because it uses the latest EMV chip technology, your Chime card has the same security features as other leading banks that make your debit card secure. Should your Chime card details be compromised, you can disable your Chime card and request a new card right from your Chime mobile app.

Is the Chime Savings Account FDIC-insured?

Yes. Due to its partnerships with The Bancorp Bank and Stride Bank, N.A., Chime Accounts are FDIC-insured. Chime Accounts have insurance for up to the standard maximum deposit insurance amount of $250,000.

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