Whether you are a Chime card user or looking to get one, you might be wondering where to load chime card for free or how to add money to chime card.
Well, in this guide, we will explain where you can add money to your chime debit card and how to do so.
We will also list all the methods, free and otherwise, through which you add and withdraw funds to your Chime account.
Table of Contents
What are Chime Cards?
Before we figure out where to load chime card for free, you must understand the basics of chime cards and their banking services.
The Chime debit card is an excellent alternative to conventional debit cards, whose simplicity and ease of use are unmatched.
Chime offers their customers a Chime checking account with which they also get a Chime Visa Debit card.
You can also get a Chime credit builder secured Visa Credit Card, allowing users to access a full suite of financial tools.
It is not just a bank but more of a financial technology company focusing on providing a versatile range of financial tools to its users.
The Bankcorp Bank or Stride Bank, these FDIC-insured banks, offer banking services at Chime.
How To Add Money To Chime Card?
Here are multiple ways to add money to chime card:
Direct Deposit
Direct deposit is one of the easiest, fastest, and most convenient methods to load your chime card. It allows your company, employer, the government, or, for that matter, any other organization to deposit money directly into your Chime account.
Due to the direct deposit, you don’t have to trouble yourself with manually depositing checks or transferring money.
It is pretty easy and fast to set up a direct deposit within a Chime account. All you have to do is provide your Chime account number and routing number to your company, employer, or any other organization that is supposed to deposit your money.
To get this info, just go to the “Setting†section of your Chime mobile app. Again, Direct Deposit is totally a free service.
Usually, it is way faster and easier to access your funds as compared to the traditional method of check deposits.
Bank Transfers
Another free and easy way to add money to chime card is through bank transfers. All you need is an external bank account number to link to your Chime account.
Next, just transfer your money for free using the bank transfer option. Just log in to your Chime mobile app and find the “Move Money†section. In that section, you can add your external bank account number and start the transfer process.
What you keep in mind is that this process may be easy and free, but not the fastest one. Bank transfers may take up to 5 business days to initiate and process.
Also, there might be a limitation on the maximum amount you can transfer. For this, make sure to check the transfer policies of Chime before you initiate a bank account transfer.
Mobile Check
Mobile check deposits are also a way to load the money into your chime card. Chime customers can use the mobile banking app to deposit checks.
You need to endorse the check to use this feature of mobile check deposit. So, take a picture of the front as well as the back of the check.
Make sure you click the photo in a well-lit area. Your check must be in good condition. Also, ensure that photos are not blurry.
Processing times for this method may vary, but usually, it takes within five business days to clear a mobile check deposit.
Cash Deposit
First of all, at their own ATMs, Chime does not accept cash deposits, but they have partnered with Green Dot to facilitate cash deposit services at their various retail locations.
Even some of these retailers let you load your chime card for free. However, others still may charge some cash deposit fees.
It might make you wonder, where to load chime card for free? So, basically, only the Walgreens and Duane Reade locations allow you to load chime cards for free.
If you do not mind minimal charges, there are many retail locations where you can add money to your Chime account.
There are over 90,000 retail locations across the country with which Chime partnered, including free and fee-based cash deposit facility.
Here’s the list of all those retail locations where you can load your chime card with some minimal charges:
- Walmart
- ACE Cash Express
- Giant Eagle
- Circle K Stores
- 7-Eleven
- Food Lion
- Fred Meyer
- Cumberland Farms Corp
- Holiday Station Stores
- HEB
- Publix
- Sheetz Incorp
- Rit Aid
- Hy-Vee
- GPM Investments
- Speedway
- Pilot Travel Centers
- Kwik Trip Inc
- Krause Gentle (Kum & Go)
- Meijer
- Winn-Dixie
- QuikTrip
- Family Dollar
- Dollar General
- Casey’s General Store
You have to remember that the availability of cash deposits for free may vary depending upon where it is located. So, make sure to always confirm with the particular retailer you want to deal with before making the transaction.
It is easy to locate the closest deposit centers. All you have to do is use the feature ATM Cash Deposit Locator in your Chime mobile app.
Remember, only Walgreens or Duane Reade locations do not charge a fee for cash deposit on your Chime card. The rest of the cash deposit partners may charge some minimal fee.
List of Banks That Allow You To Load Your Chime Card For Free:
- Capital One
- Citibank
- SunTrust
- Bank of America
- Navy Federal Credit Union
- USAA
- PNC Bank
- Wells Fargo
- TD Bank
- Fidelity
- US Bank
- Chase Bank
- Charles Schwab
Other Ways To Load Your Chime Card
Here are some more ways to try if the above options don’t work:
PayPal
You can use PayPal to transfer the money to your Chime account. To use this method, you have to link your Chime account as a bank account to your PayPal.
Go to the setting in your PayPal account, and add your Chime account in the bank account section. But you need to remember that this process is going to take time, perhaps several business days. Also, there might be some fees depending on which type of transfer you make.
Popmoney
Popmoney is another way you can use to add money to your Chime account. This is a third-party money transfer service that allows you to send money to your friends and family.
Use Popmoney to transfer money to your Chime account. Again, you need to keep in mind that this service may charge some transfer fee.
Western Union/MoneyGram
There are other money transfer services considered to be reliable for making transfers to your Chime account.
MoneyGram and Western Union are some of those services you can use as an additional option for the Chime account transfers.
All you have to do is visit a MoneyGram or Western Union location, share your Chime account routing numbers, and process your transfer.
Like other additional ways to add money to Chime card, this also will charge you some fees for the funds transfer. Also, the processing times can be different.
Venmo
Venmo is a money transfer platform that is very similar to PayPal that you can use to add money to your Chime account.
What you have to do is add your Chime account to Venmo before you initiate the transfer. Just go to the Venmo settings, and you will see an option to add a bank account there.
Keep in mind that there may be fees to pay with certain kinds of transfers, along with processing times.
Ways To Withdraw Cash From Your Chime Account
You won’t be just interested in knowing where to load chime card for free but also where to withdraw cash or different ways to as well. Well, there are four ways to withdraw cash from your Chime account:
- ATMs (for free)
- Cash-back locations (fees vary depending upon the location)
- Out-of-network ATMs (with fees charged)
- Over-the-counter cash withdrawal from bank/credit union (with fees charged)
List of ATMs for free cash withdrawals from Your Chime Account (withdrawal limitation of $515 per day) :
- Bank of America
- Citibank
- US Bank
- Wells Fargo
- Fidelity
- Chase bank
- Charles Schwab
- TD Bank
- PNC Bank
- USAA
- Navy Federal Credit Union
- SunTrust
- Capital One
List of retailer cash-back locations (limitation of $40-$100) depending upon location:
- CVS
- Bed, Bath and Beyond
- Whole Foods
- Target
- Walmart
- Safeway
- Trader Joe’s
Out-of-network ATMs will charge you a nominal fee to withdraw cash from your Chime account. On every withdrawal, $2.50 will be charged with a limitation of $515 per day.
When it comes to over-the-counter banks and credit unions, all of them allow you to withdraw virtually if you have the Chime debit card with you.
The maximum withdrawal limit and the transaction fee are the same as out-of-network ATMS, that is, $515 per day and $2.50 per transaction, respectively.
Easy Steps On How To Put Money On Chime Card
Step 1: Visit Any Walgreens Or Duane Reade Location
Walgreens and Duane Reade are the two only free cash deposit partners where you can load your chime card for free.
Visit any of their centers. You can use your Chime app to find the nearest Walgreens or Duane Reade stores. It is essential to visit a cash deposit partner of Chime to add money to your account. You cannot do this with an ATM.
If you do not mind some minimal charges, there are many other supported retail stores you can visit as well, such as Walmart, CVS, Circle K Stores, and 7-Eleven. We already listed all the cash deposit centers earlier in the article.
Pro Tip: To find these centers near your location, just go to your Chime app, tap on “Move Money,†and then to “Deposit cash,†and click on “See locations near me.â€
Step 2: Talk To The Cashier
You need to meet the cashier at Walgreens and let them know that you want to make your deposit into your Chime account.
It is also referred to as cash reload. So you can very well use that term or at least not get confused by it if they use it.
Step 3: Give Your Chime Debit Card And Cash To The Cashier
The cashier is going to ask you to provide your ID. You need to make sure that you follow any given policies of their store.
Provide them with your Chime debit card and the cash that you want to deposit in your account.
If the store is not Walgreens or Duane Reade, you may have to pay some transaction fee as well, depending upon the location.
Make sure that you ask for a physical receipt before leaving the store.
Step 4: Check Your Balance In Your Chime App
Now, open your Chime app and check the balance on the home screen. The deposit process usually takes a few minutes only. However, it can take up to 2 hours.
Final thoughts
Now you know where to load chime card for free as well as with some transaction fee. The different ways you can add money to your Chime account are via direct deposit, mobile check, bank transfer, and cash deposit at physical stores.
Only Walgreens and Duane Reade stores allow you to deposit cash into the Chime account for free. Other cash deposit partners like Walmart, CVS, 7-Eleven, and more will charge you some transactional fee.
Other ways to load money into your Chime account are through a third-party money transfer app like PayPal, Venmo, Popmoney, Western Union, and Moneygram.
Remember, you cannot deposit cash at the ATMs. To withdraw cash from your Chime account, you can use ATMs, cash-back locations, out-of-network ATMs, and over-the-counter cash withdrawals at banks or credit unions.
Except for the first one, the rest of all three options will charge some fee on the withdrawal.
FAQ
1. Which Is The Cheapest Place To Load Chime Card?
The cheapest place to load a chime card is a retail location where it will be free of charge for you, including spots like Duane Reade and Walgreens.
2. How Much Cash Can You Deposit Into A Chime Card?
In every 24 hours, you can deposit up to $1,000. However, it can only go to a max of $10,000 each month. Also, you may be able to make only three deposits within a 24-hour period.
3. Where To Load Your Chime Card For Free?
Any Walgreens or Duane Reade locations will allow you to deposit cash into the Chime account for free.
4. How To Find Your Nearby Cash Deposit Partner?
There are more than 75,000 retail locations where you will be able to deposit cash into your Chime account. To find your nearby cash deposit partner, go to the Chime app, tap on ‘Move Money,’ select ‘Deposit Cash,’ and tap ‘See locations near me.’
