Zelle is a great service that most banks recommend to their customers to send money online. It's a simple system that grants you the power to send money from your bank to someone else's without the need to share all of your bank details. While it works with most banks, the company hasn't added functionality with online banks just yet. In this guide, we'll cover how you can send money from Zelle to Chime, even though it's not technically possible through Zelle's own features.
To send money from Zelle to Chime, you need to use a bank account as a middle point from which you can move money. This will allow you to send money between the services both ways. With this method, you can take any money you receive through Zelle and spend it or use it on your Chime account.
Step 1 – Link Zelle to Your Bank Account
The very first thing you need to do is link Zelle to your bank account. Zelle is the more restrictive of the two services, so we will have to work with the limitations in place with it. As we mentioned above, most banks now use Zelle, but some still don't. You can check if your bank works with Zelle here. If you find that your bank isn't compatible, you'll need to choose a different account for this process.
Once you've chosen the bank account you want to link, you need to sign up to Zelle. As part of the setup process, you'll need to identify your bank account and provide some details. The details you'll need to hand when setting up Zelle are as follows.
- Social Security Number
- Name and address associated with the bank account
- Routing number
- Account number
Follow the steps in the Zelle app or on the website, and you should be done with setting up your account within minutes.
Step 2 – Link Your Bank Account to Chime
With that out of the way, it's time to do the same thing with Chime. This is much easier than the Zelle setup process. If you've yet to download or create an account with Chime, you can do so here.
Once you've set up your account, you can link a bank to Chime by going to the ‘Settings‘ tab and selecting the ‘Link a Bank Account‘ option. This will take you to a list of banks that you can link to the service. Scroll down to find the bank account you want to use between Zelle and Chime, and then tap it. You'll need to provide the same details here as you did with Zelle for adding the bank account.
If you don't want to add a bank account, you can instead choose to ‘Add a Bank Card‘ to Chime. To do this, you'll need all of your card details. We recommend doing this if you only intend to take money from the bank account the card is associated with and spend it using your Chime card. Otherwise, add the bank account so that you have more freedom with the funds.
Step 3 – Send Money Between the Two
Now that you've linked both Chime and Zelle to the same bank account, you can begin moving money from Zelle to Chime.
The best way to do this is to use Zelle as the recipient service. This means that you should have all the money you want to spend through Chime sent to the bank account via Zelle. This way, you can then deposit the funds into your Chime account and spend them as you choose.
Tell Zelle That you Want Them to Work With Chime
If you want to send money from Zelle directly to Chime, you need to get in touch with Zelle. Many consumers out there want these two services to work, and it seems more likely than Zelle working with a digital wallet service such as Venmo or Cash App.
The best way to get in touch with Zelle customer service and request this service is through their Contact Us page. The more people that get in touch with the same request, the more likely it is that you'll one day be able to send money from your bank account directly to Chime using Zelle.
It's not easy to send money between these two services, but it's still quite simple with our workaround. As we've outlined above, this is a popular request with online bank users. The more people that make a request for Zelle to support Chime, the quicker they'll add that support. For now, though, this is how you can bypass the service features of each platform and make your money work for you.
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