Payment Services

How To Transfer Money From Chime to Bank Account In Easy Steps!

Chime is an online bank with a lot of features. You can make direct deposits or use the automated clearing house (ACH) network to make pre-authorized Chime withdrawals and interbank transfers. For this reason people often ask How to Transfer Money from Chime to Bank Account?

What Will We Talk About Here?
  • You can transfer money from Chime to bank account just by linking the external account to your Chime account and authorizing the transaction.
  • ACH transfers are limited to $10,000 per day and you can send up to $25,000 per calendar month.
  • You can use Chime account to send money to other, pay at online retailers, and withdraw at ATMs.

…and Much More!

How To Transfer Money From Chime to Bank Account? 

You can link your Chime account to a bank other than Chime. Consequently, you can connect with Chase, BOA, PNC, CitiBank, and Wells Fargo. When you wish to transfer funds from Chime to another bank account, here’s what you need to do.

Connect an External Bank to Your Chime Account

The bank account number and routing number are required for transfer via Chime. This is because there are hundreds of banks in the country and Chime will use the routing number to identify the receiving bank.

  1. Access your Chime account by logging in.
  2. Go to Settings.
  3. Then “Link a Bank Account” is the option that you should choose.
  4. Choose one of the banks listed and log in with the credentials from your other bank.

Transfer Funds To Your Bank Account

You can start the money transfer process once you’ve properly added your bank account. The instructions below will guide you through the process.

  1. Sign in to your Chime account online.
  2. Move Money should be selected.
  3. Then tap on Transfers.
  4. Select a financial institution. If you haven’t added your bank account yet, provide your external bank login details when prompted.
  5. Follow the steps after entering the desired amount to transfer.

How To Open a Chime Account – Step By Step Guide 

To get started with Chime, all you need is an internet connection and a smartphone or computer. When opening a bank account, you’ll also need to obtain all of the necessary information from banks, credit unions, and digital wallets. These may include

  • Number of the Social Security Administration (SSN).
  • Document of identification.
  • Contact number.
  • Contact information via email.
  • Physical location.

Similar to other banks like Chime, it takes about 2 minutes only to complete the application. The company will then mail you a Chime Visa Debit Card to the physical address you entered. Moreover, if you haven’t already done so, you should download the Chime banking app to simplify the process.

Chime Transfer Time Duration And Limits 

When you sign up for a Chime account, you should be aware of some Chime transfer limits.

  • ACH transfers are limited to $10,000 per day and you can send up to $25,000 per calendar month. The number of transactions per day is unrestricted.

Transfer limits apply to cash loads as well. Each day, you can only conduct 3 cash loads. You should also set a daily limit of $1,000 per load. You can also only load a total of $10,000 per calendar month.

Chime, on the other hand, does not impose any restrictions on ACH transfers from other banks. You can add as much money to your Chime account as you want.

Transfer Funds Into Chime Account 

You can deposit money into your Chime account from other accounts. Chime works with a variety of banks.

  • To add Chime account details to your bank account, you must first log into your external bank’s account online.

You can transfer money from your other bank account to Chime once your Chime account data have been securely added.

Moreover, you can add Chime bank to your prepaid debit card account online and transfer funds to your Chime account via direct deposit.

How To Make Use of Funds In Chime Account 

You can use the money in your Chime account in a variety of ways. To begin, you can send money to other Chime users. Here’s how that is done!

  1. Login to your account over the internet.
  2. Go to the Pay Friends section of the menu.
  3. Chime can help you find the person you’re looking for.
  4. You can enter an email address or phone number for someone who isn’t on Chime.

If your contact isn’t on Chime yet, they have 14 days to fill out the essential information and receive the money right away!

  • When checking out from online retailers, you can also pay using a Chime debit card.

Withdrawing cash from an ATM is another way to use money in your Chime account. Over 38,000 fee-free Money Pass and Visa plus Alliance ATMs are available nationwide through Chime. To find an ATM near you, visit the Chime ATM locator right now!

Sending Money From Chime Account To Cash App

If you are above 18 years of age and have SSN with you, it is possible to easily transfer funds from Chime to Cash App.

Send Money from Chime to Cash App

  1. Creating a Chime account 
  2. Making a deposit
  3. Connecting Chime to the Cash App
  4. Making a transfer

Send Money to Cash App without The Debit Card

  1. Open a Chime account
  2. Then go to Transfer Money
  3. Amount of Money
  4. Verification and Pay.
  5. Add a note and the amount you want to send
  6. Choose “Pay” as your payment option.

Sending Money From Chime to PayPal 

There is no way to send money directly from Chime to PayPal. You can only send money from your Chime account to your PayPal account if both accounts have been set up as payment wallets. The following are 3 methods for sending money from Chime to PayPal.

Use PayPal to Add Chime as a Bank.

  1. Determine the account and routing numbers for Chime.
  2. On your PayPal account, add Chime as a bank.
  3. Transfer funds directly using bank details.

Use A Linked Bank Account

  1. Ensure your Chime and bank account are linked.
  2. Ensure your PayPal and bank accounts are linked.
  3. Send money to a bank account from Chime.
  4. Transfer funds from a bank account to a PayPal account.

Transfer Funds from your Chime Account to your PayPal Cash Card.

  1. Make a PayPal Cash Card Request.
  2. Complete online activation of the Cash Card.
  3. Start a Chime-to-Paypal Cash Card money transfer.

Sending Money From Chime To Venmo 

Before you begin the money transfer process from Chime to Venmo, double-check that you have both applications downloaded on your device.

Link Your Venmo Account To Chime Bank

  1. Add your Chime account to your Venmo as a verified bank.
  2. You can do the same with Venmo app by logging in and tapping on Settings.
  3. Select Add Bank or Card from the Payment Methods menu.
  4. Then, under Add Bank, enter your Chime account information.

Input The Transfer Amount In Venmo App

  1. Select the Manage Balance option n Venmo app.
  2. Access Main Menu by tapping the three bars at the top of the screen.
  3. Then select Add Money. Input the amount you wish to transfer.
  4. Click Continue.
  5. Choose Chime from the list of added banks.

Review Transaction Details And Confirm

  1. Wait for the confirmation page.
  2. You must double-check that you are making the correct transfer.
  3. Click the Add Money button to finish the procedure.

The Bottom Line 

Chime is a bank that offers online financial services. You can use Chime to send money to a bank account using ACH (Automated Clearing House).

Under typical circumstances, the transaction takes 5 days at maximum. Money in your Chime account can also be used to pay for goods and services or sent to other Chime account users. Chime has a debit card as well. It may be used to make ATM withdrawals.

Frequently Asked Questions

Is it possible to make a bank transfer with a chime card?

You can use Chime to send money to a bank account using ACH. Under typical circumstances, the transaction takes five days at maximum. Money in your Chime account can be used to pay for goods and services.’

Does it take long to transfer money from Chime to bank account?

Typically, it takes about 5 days for the transfer to finish.

What is the procedure for withdrawing funds from my chime card?

By visiting a bank or credit union and showing the teller your Chime Visa Debit Card, you can request a cash withdrawal. Over-the-Counter Withdrawals are what they’re called. Every time you withdraw money this way, you’ll be charged $2.50, with a daily limit of $500.00.

Is there a way to get money from Chime?

Is it possible to get a cash loan through Chime? You are obtaining a cash advance when you use your Credit Builder Card to withdraw money from an ATM. Chime, on the other hand, does not charge you any interest or fees! As a result, it functions in the same way that your debit card does.

What is the amount that I can transfer from Chime to bank account?

As per Chime transfer limits, you can send up to $10,000 per day and $25,000 per month through the app. The funds will become available in the bank account within 5 days.