When you open a Chime Bank account and receive a shiny new Chime Debit Card it is time to fund your checking account (aka spending account). You have to add some money before you can use them. Even if you haven’t received the debit card, you can jump to action.

ACH Transfer from external bank account

Whether you are waiting for the Chime Debit Card or you already received it, you can transfer money from another bank account. You can link your external bank account via Plaid. Plaid is a special proxy service that helps people to link external bank accounts without entering an account number and routing number. In addition it helps to verify and confirm that you own the external account. If the bank is not supported by Plaid, you cannot use the external bank account. This means you cannot connect Cash App and PayPal for now. After the external bank account is connected – you can schedule a deposit. Most often the deposit takes a couple of days finalize. Then money is available to use however you want. Keep in mind that your incoming ACH transfers are limited to $10,000 per day and $25,000 per month.

Setup Direct Deposit

To add money to Chime Bank you can set up a direct deposit of your salary to your Chime spending account. So your paycheck will come to your account right away. You can set up the direct deposit by yourself, if your employer allows it. Chime uses Atomic to automatically setup direct deposit from your employer. Atomic supports more than 30,000 companies, so there is a very high chance your employer is among them.

On the other hand, if your employer is not in that long list, you can setup direct deposit manually using account number and routing number of your Chime Checking account.

Alternatively you can print a VOID check and send it to your HR so that they setup it for you. The good thing is that you can receive money a day earlier than in a big bank like Bank Of America or Chase.

Deposit Cash

Once you receive a Chime Debit Card you can deposit up to $1,000 per day, or $500 at a time. It is free at Walgreens and costs a few dollars at Walmart, CVS, and 7-Eleven. Money is available within a few minutes.

All you have to do is go to the nearest retail store and ask cashier to deposit cash. Sometimes cashiers are not familiar with the operation, so be patient.

Mobile Check Deposit

You can add money to Chime bank as a paper check. Just use the Mobile Check Deposit feature. All you have to do is take your smartphone, then select “Move Money” at the bottom. On the “Move Money” screen tap on “Mobile Check Deposit”. Then you have to select type of your check. Chime knows 3 types of checks:

• Payroll providers checks. These are checks from your employer.
• U.S. Treasury checks are checks sent by federal government.
• Other checks include personal checks, state issued checks etc.

Next take a picture of the front of the check and the back. Make sure you snap the pictures on a dark background and don’t forget to sign the check.

Usually it takes a couple of days for check to complete the processing. Some checks can take up to 5 days to finalize.

Ask your friends or family to send you money

The fifth way to add money to Chime bank is to ask your friends to send you money. If they have an account at Chime and owe you a few dollars they can send you up to $6,000 per month. This transfer happens almost immediately. This peer to peer transfer is very similar to Zelle. The advantage of Chime transfers is the high limit on monthly transfers. Zelle in contrast, allows you to transfer $2,000 per month. This limit depends on your bank.

That should be enough to get you up and running with your Chime Bank account. However, I would recommend you to keep your Chime Debit Card locked and use a credit card to make purchases.

I think Chime is one of the best debit cards on the market. But you may want to know how to choose the best prepaid card by yourself.

You can withdraw money from Chime Bank account using multiple ways. After all having a few hundred bucks on the balance is great only if you can use them. If you want to use the funds and take your money off your Chime spending account, there are few ways to do it. You can withdraw money as a cold cash or transfer to an external account. Lets list all the available options to do this.

Withdraw cash from Chime Bank

Chime Debit Card gives you access to more than 87,000 ATMs nationwide where you can withdraw money without any fee. Chime has agreements with 2 largest networks of ATMs: MoneyPass and Allpoint. MoneyPass has more than 32,000 surcharge-free ATMs. You can find these ATMs using their ATM Locator. Each ATM has MoneyPass sign. Allpoint network on the other hand has 55,000 ATMs with distinctive Allpoint sign. You cannot miss it. Keep in mind, that such ATMs can be co-branded with other banks. For example, I saw ATM that belongs to Citibank and Allpoint.

These ATMs can be found in places like Walgreens, 7-Eleven, CVS Pharmacy, and Target. Remember that you can only withdraw $500 each day. You will be charged $2.50 if you use an ATM that is not part of the network. You can also request money from a Bank or Credit Union. This operation is called Over-The-Counter Withdrawal and will cost you a fee of $2.50

You can also withdraw cash at more than 38,000 cash-back locations at major merchants across the US such as Walmart, CVS, Bed Bath and Beyond, Target, and major grocery chains like Whole Foods, Trader Joe’s, and Safeway. All you have to do is request cash back at the register when you make a purchase. The amount of cashback can range from $20 up to $100. Keep in mind, that some retailers have a minimum purchase amount to make such a withdrawal.

There are cases when this amount is too small and it is going to take your a few days to withdraw more or less meaningful amount.

Transfer money from Chime account

If you want to withdraw more than $500, then you can make an ACH transfer to another bank. This transfer can be initiated from Chime Bank or from other bank, if you linked your Chime Bank account to that external bank.

This way you are not limited to $500 per day. All you have to do is to link the external account and then make the transfer. Usually it can take up to 5 business days, but most often it takes 2 days.

ACH transfers from Chime Bank are limited to $10,000 per day and $25,000 per month. This should be more than enough for most cases.

Once money is transferred, you can withdraw them from ATM of the bank or use however you want.

Send a paper check

You can withdraw money from Chime by sending paper check to someone or even to yourself. All you have to do is to fill the mailing address and Chime will send the check via regular mail USPS. Be prepared that it can take a week or two for the mail to be delivered to your mailbox. Then you will be able to deposit money to another bank using the Mobile Check Deposit feature. Alternatively you can deposit it through an ATM, if the bank offers deposit enabled ATMs. Banks like Chase, Bank Of America, Wells Fargo, and Capital One have this feature built-in their ATMs. Some regional banks like Bank Of The West and credit unions allow you to deposit paper checks without any fee.

Peer-to-peer transfer

If you have a friend or family member who has an account at Chime Bank, then you can make an instant transfer. These transfers have monthly and daily limits, so make sure you don’t exceed the limit. You are limited to $2,000 per day.

These transfers are immediate and irreversible. Keep it in mind. If you send money to a wrong person, there is no way to get them back.

These are ways to withdraw money from your Chime Bank account.