When you fill some form in application for a credit card, bank account, loan etc. you need to provide an address. It can be a mailing address or a billing address. Address Line 1 and Address Line 2 of the address must be filled out. When you fill out a college application, for example, you will find Address Line 1 among other fields. What do you think it should be?

Address Line 1 is always required, unlike Address Line 2, which is optional. Without it, you will be unable to complete your application. You must enter a street address in address line 1, which should include the street name and house number.

Example 1 Address in New York

Let’s look at a Google Maps example of such an address. Assume you live at 117 Malba Dr in New York City in the USA. You must type “117 Malba Dr.” in the field address line 1. Your address should fit in Address Line 1 if it only has a street name and a house number. Lines 2, 3, and 4 of the address can safely be left blank.

Example 2 Address in California

In the second Google Maps example, we’ll look at a location in California. Assume your company’s address is “4632 Raley Blvd, Sacramento, CA 95838.” As a result, you must type “4632 Raley Blvd” in line 1 of the street address. Lines 2 and 3 of the address should be left blank.

Example 3. Address with suite that should go to address line 2

Suppose you have a business address in Sacramento, California, which is “405 K St #115, Sacramento, CA 95814”. The first line of the address should read “405 K St.” Then address line 2 should be #115. It helps to deliver mail to the business.

You can write the city, state, and ZIP code in address line 3 if there isn’t a dedicated field for them. Then country name and postal code can be entered in line 4.

To summarize, address line 1 is a street address that should include the house number as well as the name of the street. The optional apartment or suite number on address line 2 helps to clearly identify the mail recipient.

You can check the following video for more details.

Varo Debit Card aka Varo Bank has 5 important benefits that you should know about. I am not talking about the lack of minimum balance requirement or maintenance fee. These are not benefits, rather lack of minuses. Here are 5 essential benefits that should influence your decision to open the Varo Debit Card.

Early Direct Deposit

Early direct deposit is when you receive your salary or social security benefits onto your Varo account up to 2 days earlier than in other banks. Your money become available sooner.

What it means is that if your pay day is 31st of every month, then Bank Of America, Wells Fargo, and other big banks are going to keep your money in “Pending” or “Processing” state up to the 1st day of the following month. This so called “Hold” is very common among big banks and financial institutions. Money are usually released on the next business day.

Smaller banks like Ally Bank and credit unions often release money on the same day.

Varo bank like some other online only banks clears money on the 30th, the evening before your actual payday. Other examples of such banks are Chime, SoFi, Netspend etc.

Second Chance Bank

Varo is a second chance bank. What it means? Everyone can make a financial mistake and deserve a second chance. If big banks deny your application for a checking account, it means you are on a black list of ChexSystem. The system is similar to credit bureaus, where you have a credit score. ChexSystem is used by big banks when they make a decision whether to open you a checking account or deny your application. Getting on the “bad guys” list is easy, but getting out of it takes a few years. At the same time you still have to receive your paycheck somewhere. That is when Second Chance Banks like Varo are going to help and you can get approved for an account.

Large network of ATMs

With a Varo Bank account you are getting a Varbo Debit Card that gives you access to more than 55,000 fee-free Allpoints ATMs. You can find these ATMs in popular retail stores like CVS Pharmacy, Walmart, Walgreens and other common places.

AllPoint network of ATMs is shared between many small banks, that cannot afford having their own ATMs. This business model allows AllPoint to have more ATMs than any big bank in the US. AllPoint ATMs can be co-branded with other banks or they can be owned by AllPoint.

Cash Deposits

You can deposit cash in retail stores like CVS Pharmacy, RiteAid, 7-Eleven, Walgreens, and Walmart. The deposit can cost you a fee of up to $5.95 per deposit. The deposit is limited to $1,000 per day and $5,000 per month.

To make the deposit ask the cashier to add cash directly to your Varo Debit Card using the Green Dot network.

If you want a free cash deposit, you may be better to use Chime bank that allows you to make a free deposit at Walgreens. If you don’t like Walgreens or don’t like Chime, you can turn to Capital One, which allows you to make a free deposit at CVS Pharmacy. Also having 360 checking at Capital One can increase your chance of being approved for a Capital One credit card.

Having an emergency fund is also very important. That is why you may need a savings account that pays good interest.

High Yield Savings Account

Varo Bank offers high yield savings accounts with 0.5% interest. This is quite high if you compare it with big banks like Bank Of America (0.01%). Things are getting even more interesting if you receive $1,000 per month in direct deposit. This makes you eligible for 5% interest on up to $5,000. That can earn you up to $250 per year. That is quite a nice reward for having a fat emergency fund.

Overall, I don’t like Varo bank. The only thing that makes Varo attractive to me is the 5% interest. Other online-only or mobile-only banks like Chime Bank, Capital One, Current Bank offer more valuable benefits.

There are 3 ways to add money to your Cash App account. Feel free to choose the one that works best for you.

Deposit Cash or paper money

First is Deposit Paper Money at participating retailers like Walmart and Walgreens, as well as convenience stores like 7-Eleven, where you can deposit paper money into your Cash App balance. The Cash App provides a barcode that the cashier can scan to make the deposit. The deposit amount is capped at $500 per transaction. Pay attention to the $1 fee. As a result, if you deposit $10, your account balance will rise by $9. I should mention here, that there are banks that allow you to deposit cash to their accounts without any fee.

• Chime bank offers free cash deposits at Walgreens with Chime debit card.
• Capital One offers free cash deposits at CVS Pharmacy using barcode.

You can deposit money to Chime or Capital One and then transfer money to Cash App soon after.

Deposit Money using another Debit Card

Second way is to deposit money using another Debit Card. First you have to link the debit card of another bank like Chime, Capital One or any other bank. It requires card number, expiration date, CVV, and ZIP code. Then you can transfer money when you tap on “Add Cash” and select the amount you want to deposit. Money will be available immediately following the transfer; there will be no waiting period.

Direct Deposit

The third option is Direct Deposit, which takes far longer than the first two. Your company can deposit your salary or paycheck into your Cash App account. If you work for a limited number of employers, you can use automated setup. If your workplace allows it, you can also set up direct deposit manually. The least popular method is to give your HR department a VOID check and have them set it up on their own. I wouldn’t recommend giving Cash App your entire income. If you like, you can receive a portion of the cheque.

While adding money to the Cash App may be easy, make sure to not put all your money into a single bank account. Cash App is not intended to be used as your primary bank.

Recently Cash App started offering Mobile Check Deposit to some customers. It is not widely available, so I wouldn’t rely on this way.

To understand if Chime Debit Card is good, you have to understand what benefits should a decent bank offer. How can it deserve a place for its debit card in your wallet? You may not expect much. Why would you? You shouldn’t use a debit card to make purchases. However, there are some benefits that can make a debit card of a bank like Chime to stand out.

Easy way to deposit cash

First benefit is an easy way to deposit cash. How often do you need to deposit cash? Believe it or not 7 millions Americans have no bank account at all. How is it even possible? Having a Debit Card that allows you to stash a few hundred bucks must be handy for them.

Chime Debit Card allow you to deposit cash for free at Walgreens or for a small fee at other retail stores like Walmart, 7-Eleven, and CVS. Deposited money will go straight to your Chime Spending Account where you can access them almost immediately. For example, you can send newly added cash to your friend who has an account at Chime. So technically you can send cash to your relative even if they are on the other coast.

Fee free deposit at Walgreens!

In emergency situations most big banks will hold your money in pending state and move slowly. So big banks are not an option for urgent needs. The deposit feature, however, has limits. You cannot deposit more than $1,000 per day. You are also limited to deposit $10,000 per month.

Deposit up to $1,000 per day and $10,000 per month

Huge network of ATMs

Second benefit is related to cash too. If you like to pay for stuff with cash, Chime Debit Card gives you access to two large networks of ATMs, MoneyPass and AllPoint. You can find these ATMs at Target, Walgreens, CVS Pharmacy, and 7-Eleven. When you withdraw money at any of these ATMs you don’t have to pay any fee. AllPoint and MoneyPass have more ATMs than any of the big banks.

High Yield Savings Account

Having an emergency fund is very important. Chime bank offers a high yield savings account that pays 0.5% interest. It is significantly more than an average interest across American banks of 0.06%. The interest on your savings is paid monthly. You are not going to be rich from interest, but it can compensate .

Mobile Check Deposit

Mobile Check Deposit is a super important feature. You may not see paper checks often these days, but when you do, you may get confused. Especially if you receive a check for 3 bucks. Check cashing services are not going to talk to you. Throw it away? No! You must deposit the check to your Chime Bank Savings account. To make such a deposit – take your phone, open Chime Mobile App and snap the picture in less than 5 minutes.

No minimum balance

Having no minimum balance and no maintenance fee makes Chime Bank an easy choice. Banks like Chase, WellsFargo, and Bank Of America require you to have a minimum balance or receive a minimum direct deposit every month.

These are my favorite benefits of Chime Bank.

When you have both Chime Bank and Cash App, you may want to send money back and forth. While most conventional banks make this operation easy, Chime and Cash App have quite a strange relationship.

External Transfers

To make any external transfer, Chime requires you to connect your external bank account. The only way to link an external bank account to Chime is through Plaid. Plaid is a service that helps banks to confirm ownership of external accounts.

All you have to do is enter your other bank account’s username and password. Majority of big banks are available through Plaid. I’ve successfully connected my accounts at Capital One, Ally Bank, and many other banks. However, Cash App is not a real bank, so it is not integrated in Plaid.

Big banks, on the other hand, allow you to link your Cash App account using routing number and account number. You can find these numbers when you open the Cash App on your smartphone. Once you linked checking account at Capital One, you can send money from Chime to Capital One and then send money from Capital One to the Cash App.

Initiate transfer from Cash App

The easier way is to link your Chime Debit Card and Chime Spending Account to your Cash App and make transfers.

Cash App also uses Plaid to link external bank accounts. Since Chime is supported by Plaid, you can link Chime Spending Account to Cash App.

When you tap on Add Cash in Cash App, it suggests to transfer money from Chime card.

When you tap on Cash Out in Cash App, it schedules outgoing transfer to Chime Spending account. Instant transfer will cost you a few cents. Standard transfer is free and take a couple of days for money to be available in Chime Bank.

If transfer doesn’t work for you, you can try to add cash to Cash App in a retail store. All you have to do is generate special barcode and deposit up to $500 per day. The deposit cost $1. There are other ways to load money on Cash App.

When you are asked to fill your payment information to make a purchase, you may need MM and YY that are printed on your debit card. What is MM/YY on debit card? What do the letters MM and YY mean and how to find them?

Any online payment system needs not only your card number, but also expiration date, CVV, and sometimes it requires a ZIP code. Lets focus on these mysterious letters MM / YY.

As you may have already heard, they correspond to the expiration month and year of your debit card. It is also known as the expiration date.

What are MM and YY used for?

Expiration date defines when your debit card is supposed to be replaced. After that date, you cannot use the debit card any more. Keep in mind that expiration is not the only reason why your credit card transaction may be declined. It can be simply locked on banks website or in mobile app.

Once your debit card is about to expire, your bank may send you a debit card replacement automatically. Usually it happens a month before expiration date, or you may need to request the replacement by yourself.

Expiration date secures your payment in the same way as CVV. Without an expiration date you cannot finish online payment. When in 1990s online stores started accepting payments over the Internet, CVV and expiration date became essential for security purposes.

What do these letters mean?

On debit card MM/YY double M stands for month. For January MM is 01, for February it is 02 and December is 12. YY is the last two digits of the year. For example, for the year 2027 YY is going to be 27, for 2025 it is 25.

How to find MM and YY on your debit card?

These numbers are often printed on the front of your debit card or on the back. It is determined by card design. Old classic cards had embossed card number and expiration date on the front of the card.

New fancy cards can have only a logo printed on the front of the debit card. All the details can be hidden on the back of the card.

When you open a Capital One 360 Checking account and receive a shiny new Debit Card it is time add money to your checking 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

You can add money to Capital One from an external bank account. Even if you are still waiting for the Capital One Debit Card or have already received it. You can link the external bank account using routing number and account number.

After the external bank account is connected – you can schedule a deposit. Most often the deposit takes a couple of days. 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.

Direct Deposit

To get money to you Capital One 360 account you can set up a direct deposit of your salary. So your paycheck will come to your account right away. You can set up the direct deposit by yourself using the routing number and account number of your checking account, if your employer allows it. Alternatively you can print a VOID check and send it to your HR so that they setup it up 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 Capital One Debit Card you can deposit cash at Capital One ATMs. If there is no Capital One ATM nearby or you don’t have the debit card, you can deposit cash for free at a CVS Pharmacy. To do this you have to take your smartphone and open Capital Ono Mobile App. In the app find checking account and scroll down. You will find a section “Add Cash in Store”. After you generate the barcode to deposit, find a cashier and ask to make a deposit. Cashier should scan your barcode and deposit cash. Money should be available within a few minutes.

Keep in mind, that you can deposit to your Capital One 360 Checking Account up to $999 per day with 5 deposits per month.

Mobile Check Deposit

Mobile Check deposit also known as remote deposit is a popular feature that saves time for those who don’t want to visit a branch or an ATM.

You can deposit paper checks to Capital One account using the Mobile Check Deposit feature. All you have to do is 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. The deposit if free.

Keep in mind, that there is a deposit limit of $5,000 per day not more than $1,000 per check. These limits can change over time, once you build your relations with Capital One. For example, my limit is $10,000.

Other banks have their own deposit limits that may be higher or lower.

Zelle

The fifth way is to ask your friends to send you money. Capital One has integrated Zelle. It is a peer to peer payment system. Capital One allows you to transfer $2,500 per day through Zelle. This limit depends on the other bank. Most often other banks limit Zelle transfers to $2,000.

After the Zelle transfer, money should be available within minutes. However, if you are not registered, it will wait till you register.

That should be enough to get you up and running with your Capital One 360 Checking Account. However, I would recommend you to keep your Capital One Debit Card locked and use a credit card to make purchases. I like the Capital One Quicksilver Credit Card. It fits perfectly when you have a checking account with Capital One.

When you receive a paper check in your mail, what are you going to do? I bet you’ll not throw it away. You have to cash the check or deposit it to your bank. But what if the check is for $25? What if the amount is even smaller? Like $5. Check cashing fees make the check not worth the hustle.

However, if you have a Chime Bank account, you can deposit check right from your home using your beloved smartphone. The feature is called “Mobile Check Deposit”

How does Mobile Deposit work?

Mobile check deposit works similarly in most of the banks. By default the feature is disabled. But if you receive any direct deposit of at least $1, Chime turns the feature on. Direct deposit is your salary or paycheck. Almost any payment that is not a peer-to-peer transaction. Keep in mind, that tax refund is an exception and doesn’t qualify as a direct deposit.

Requirements for the check

There are certain requirements for a check, that sound obvious, but still worth mentioning.

The check should be valid. Valid means a check written from a financial institution registered in the U.S. Check should be payable to you so you cannot deposit a check that is payable to your neighbor. The check should be written within the last 6 months.

The most important requirement is that money for this check should be allocated on the source account, otherwise deposit can bounce back. Declined check is an unpleasant surprise. Keep in mind, that even a few bounced checks or a disputed check can lead to termination of your Chime account.

Can your deposit money order? No. Chime’s mobile check deposit doesn’t work for money orders, travelers checks, and few other uncommon papers.

How to make the deposit?

To make the actual deposit, take your mobile phone, launch Chime App. Once the app is loaded – tap on “Move Money” and then tap on “Mobile Check Deposit.” Then enter check amount.

Place the check on a dark surface. Almost anything that gives a good contrast should work. Make sure to perform the operation in a place with enough light.

Take the front picture. Then make sure to sign the check and take the picture of the back of the check.

After a couple of days the money from the check should be available on your balance. Chime has a disclaimer, that check amount cannot exceed $2,000. If you want to deposit check with larger amount, you have to use some other banks.

Watch this tutorial for more details.

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.