The Genuine Way To Add Money To Chime Card

how to add money to your Chime card

Chime is an online financial technology that allows you to deposit and use money. The company operates in the USA, and you have to open an account online to benefit from the service. The company works with various banks such as Bancorp Bank, Stride Bank, and N.A. bank, which are members of FDIC. Therefore, funds in Chime are secure. I will take you through various ways how to add money to Chime card.

Chime Card is a debit card that connects to your Chime account and allows you to use your Chime balance. The card is helpful for online payment of goods and services. Moreover, you can use the Chime card to withdraw funds from an ATM. Various ATMs allow you to withdraw funds for free from your Chime account. Also, you can withdraw money over the counter using your card.

When you add money to your Chime account, the funds are still available to use with your card. However, there are ways you can add money to your account to use it for various kinds of transactions. Most of them are physical locations where you need to walk with money, and with the assistance of the cashier, you can easily add money to your account.

Get Started With Chime

You can use most Chime services online. If I want someone to send me money to my Chime account, I will need to get the necessary details from my account online. You, therefore, need to open an account online using any of the internet-enabled devices. You can use your Chime account on a computer, smartphone, or tablet. Before opening your account, you must make sure that you have various documents such as;

  • Phone number
  • Email address
  • An identification document
  • Social Security Number
  • Current physical address

After you have gathered all the requirements to open your account, you then visit the Chime account opening page, scroll down to enter your email address, and tap ‘Get started.’ If you have a Chime account, you can tap the ‘Already have an account?’ tab and enter your login information to access your account.

Once you have typed your email in the space provided and selected to get started, you can enter other details as per the guidelines. You can either open a checking or savings account. The Chime checking account is called the Chime Spending account. Therefore, before opening your account, you must decide which account you want between the two.

how to add money to your Chime card

The Way To Add Money To Chime Card

As I mentioned earlier, your Chime spending account comes with a Chime debit card that you can use for your transactions. Although the card allows you to access money from your Chime account, there are ways you can put money on your Chime card. The funds will also reflect in your Chime account.

The first way you can add money to your account is by receiving it from others. If someone sends money to your spending account, the funds will still be available on your Chime debit card. Therefore, that is one way you can add money to your card. Generally, the funds will be available on your card when you receive money in your checking account.

Another way you can add money to Chime card is by recharging at various locations. They include the following:

  • Walmart
  • Walgreens
  • 7-Eleven
  • Pilot Travel Centers
  • Circle K Stores
  • GPM Investments
  • Royal Farms
  • Cumberland Farms Corp
  • Sheetz Incorp
  • CVS
  • Family Dollar
  • Dollar General
  • Speedway
  • Duane Reade
  • Rite Aid
  • Holiday Station Stores

To add money at any location, you need to carry cash and request the cashier to add money to your card. You should have the card with you to read the card’s details for easier deposits. Remember that adding money to your Chime card at the participating locations is the same as depositing cash to Chime since the funds will still reflect in your account. 

Ways To Use The Chime Debit Card

There are various ways you can use your Chime debit card as long as it has sufficient money. They include the following:

i) Buy goods and services.

The ultimate use of any debit card is to purchase goods and services online and at physical stores. When using the card online, you need the card number, the expiry date, and the security code. You must make sure that you pay only at trustable sites. Some merchants may fraudulently use your card details to steal money from you. 

When paying at physical locations, you can swipe or tap to pay. The POS will deduct the exact amount that you have spent. 

ii) Withdraw money at an ATM

Withdrawing money at an ATM is very important, especially if you need cash. The only quick way to get cash from your account is by withdrawing at an ATM point. There are about 60,000+ fee-free ATMs across the country, making the card convenient.

To withdraw money at an ATM point, you need your PIN, whereby you have to insert the card in the slot, then input your PIN and enter the amount of money to withdraw and proceed. 

Bottom Line

Chime is a financial technology company that offers spending and savings accounts. You can get started with the platform online by opening your account using the most suitable device and secure internet. To open a savings account, you must open a spending account.

Again, you can apply for a debit card to use money in your Chime Spending Account. Interestingly, Chime gives you an overdraft if you run out of funds as long as you qualify.

Spencer Tierney is a writer and expert on certificates of deposits at His work has been featured by USA Today, MSN, SF Gate, the Los Angeles Times, NerdWallet and more. He earned a bachelor’s degree in English at UC Berkeley.