Acquiring one of the accounts available in Chime is one of the simplest options you can find. Once you have it, it is time to make deposits or receive them from having the funds in your account.
One of the simplest ways to do this is through direct deposits. This alternative is ideal for both employers and workers. The possibilities with Chime are growing.
Methods for making deposits into your Chime account
Whether you have a Chime checking or savings account, the process for depositing into them is simple. Some of the simplest procedures are as follows:
Depositing cash to your Chime account
To reload your Chime checking account, over 90,000 retail locations that partner with Chime are available to make the procedure simple. All you need to do is go to one of the closest to your location.
Go to the cashier and ask to deposit to your Chime checking account; you have a maximum of 3 such transactions within 24 hours. In one day, you can deposit up to $1000 and monthly, you can add no more than $10,000.
You can go to Walgreens or Duane Reade locations, and you will not have additional fees for the deposit. Some other retailers are:
- 7 – Eleven
- General dollar
- Family dollar
- Ritual Aid
- Pilot Flying J travel centers
- Vacation Station Stores
- Circle K Stores
- GPM Investments
- Sheetz Inc
- TA Operating LLC (Travel Centers of America)
- Royal Farms
- Cumberland Farms Corporation
- Kwik travel inc
- Krause Soft (Kum & Go)
Through direct deposit
You can set up the direct deposit option from your Chime account, and from the moment you do so, you unlock many cool features of the app. You must go to the Chime application and settings to receive direct deposits.
Look for the “account information” option and “set up direct deposit”. You will send an attached form to the email associated with the application. You should print it out, fill it out and send it to your employer. After doing so, you will be able to receive direct deposits after two pay cycles.
This option allows you to receive direct deposits up to two days before the date you would normally be paid. You also have the ability to overdraft up to $200 in purchases and cash withdrawals without fees.
Deposits from other banks to your account
When you have a Chime account, you can link an external account with your Chime current account. From your Chime account, go to “Link a bank account”, and in the list, look for the bank you want to do the procedure with.
On the new page is the form to enter the login credentials for your other bank account. To make the linkage from the Chime online page, you must log in and go to “Transfers” and “Transfer Funds”.
Click on the drop-down arrow in the “From” field and look for “Link another bank account”, and you will see all the banks you can link. Once linked, you can log in to your bank and make transfers to Chime of up to $10,000 per day and $25,000 per month.
Your funds will be available within five business days. You can do this with Chase, Bank of America, Wells Fargo, Citi, U.S. Bank, USAA, Fidelity, PNC Bank, T.D. Bank, SunTrust, Navy Federal and Charles Schwab.
Mobile Check Deposit
The Chime application will decide if you are eligible for this feature by considering your Chime account history, direct deposit history, deposit amounts and other risk-related factors.
This option is available to members who received at least one $1 direct deposit since June 1 2021, from an employer or payroll provider, government benefit or Gig Economy payer via automated clearinghouse transfer.
If eligible, you will have the option on your mobile app to follow the detailed instructions to start making your mobile check deposits.
Can anyone have a Chime account?
As long as you are a U.S. resident and meet the basic requirements for registration, you can have your Chime account. All you need to do is go online and fill out the requested information.
How to avoid problems with deposits to your account?
Before proceeding with the deposit in any of the ways mentioned above, you must ensure you have the correct account information. You would rather not send the money to someone else because you have the wrong account or routing number.
It is also essential to properly understand each procedure to avoid penalties or blockages due to the platform detecting irregularities.