Chime is an online financial technology company that operates in the United States. The company gives services similar to banks, although it is not an actual bank. You can get a checking account, usually called a Chime Spending account, a savings account, a credit card, and a debit card. The credit-builder secured card allows you to grow your credit scores for better loans. But where can I load my Chime card for free?
We will be checking where you can recharge your card for free to use it for your transactions. Again, when you recharge your card, the balance will be available in your Chime account. Similarly, when you put money in your Chime account, you will be able to access it with your Chime debit card. That is because the card connects to your Chime spending account.
Before getting your card, you should first open a Chime account. All this happens online since the platform is purely online. You need a smartphone or a computer to open the account. A tablet can as well help you to open an account. Online accounts are convenient since you do not have to travel to a physical branch to open one. That way, you can save your precious time doing other activities.
How to open a Chime account?
You have to understand that you cannot get the Chime card without first opening a spending account. Since the service is just like any other financial institution, you must comply with the federal government requirements. There are various requirements such as your identification document, Social Security Number, physical address, email address, and phone number.
You can have a state ID, passport, or driver’s license for the identification document. Chime and other financial companies require you to show proof of physical address by providing the latest utility bill statement or any other relevant document with your address. That way, they can be sure you provided the correct information.
You may also require an external bank account to add money to your new Chime account. You can transfer money using the routing number and account number of your Chime account from another bank to top up your account.
Once you have everything with you, you can open your account. The institution prefers account opening via the Chime app. Therefore, you should begin by downloading the app from your App Store or Google Play, depending on the operating system.
After downloading the app, you can open it and fill in all the required details precisely. You can also open a savings account alongside the spending account. By the way, the Chime Spending Account is a kind of a checking account.
A checking account allows you to keep funds for your everyday use. You get an account number to identify you when you open a checking account. If I want someone to send me money to my Chime account from another bank, I will give them my Chime account number, and we are good to go. Above all, the online checking account has no monthly or overdraft fees.
How to get the Chime card?
Once you open an account with the company, you can proceed to apply for the Chime Visa debit card. Chime allows you to request the card alongside your account application in most cases. Still, if you open your account and fail to include the card, you can request it later.
Since the card application is usually online, you can receive it at your physical address and activate it for use. The card comes with the latest EMV chip technology to strengthen its security. You can activate your Chime card via the Chime app (version 3.3 or later)
To activate your card, you should log in to your account and locate a card widget at the top of your app that says “Card Status” In the widget, locate a big green button showing “Activate Card.” You can also ask the Chatbot “Activate my card” if you cannot see the button. The Chatbot is usually at the top of the home screen. If you encounter problems activating your debit card, you should contact the Chime call center at 1-844-244-6363.
Where can I load my Chime card for free?
Once you get your card, you should put money in it to start using it for your various transactions. Even though the card allows you to access your Chime account balance, there are retailers at physical locations that allow you to put money on a Chime card. They include the following.
- Family Dollar
- Dollar General
- Holiday Station Stores
- Pilot Travel Centers
- Circle K Stores
- Duane Reade
- Rite Aid
- GPM Investments
- Royal Farms
- Kwik Trip Inc
- Krause Gentle (Kum & Go)
- Cumberland Farms Corp
- Sheetz Incorp
- TA Operating LLC (TravelCenters of America)
You must understand that there might be transaction fees when you add money from the above retailers. Chime has no authority to decide the fees the retailers can charge since they control their business independently. However, before visiting a retailer, you can see the various fees they charge to decide where to go for your transaction. You can carry out the process as shown below to check fees.
- Open your Chime mobile app to sign in to your account.
- Hit on the “Move Money” tab.
- Select “Deposit Cash.”
- On the window that opens next, you will get an option to “See Locations Near Me.”
- You can then tap on it to show you the retailers in your area.
- Also, you can see the transaction fees by tapping the “info” icon next to the retailer’s name.
Once you choose the right retailer to deposit cash to Chime, you can then proceed to deposit the amount you want. The fee is usually not that large, as retailers can charge you less than $5 to load your card. However, the final charges differ depending on the total amount you deposit into your account.
What are the alternatives to the reload locations to recharge a Chime card?
There are other ways you can recharge your card and not just through the reload locations. They include the following.
i) Receive money into your Chime account
Chime allows account holders to send money to each other. You can provide others with details such as your Chime username so that they can transfer money to your account. To send money to another Chime account holder, you should follow the steps below.
- Log into your account online.
- Search for your $ChimeSign or friend’s name. Alternatively, you can enter the email address or phone number of someone not on Chime.
- Enter the amount of money to send to the recipient. You can include the reason for sending them the money.
- Confirm the amount to send and the recipient.
- Tap Pay now to send the money.
ii) Add money from a bank account.
Chime allows you to add money from a bank account. You can carry out the process using the steps below.
- Log into your account on the app
- Go to Settings
- Tap “Link a Bank Account” and enter your other bank’s login details.
- When the linking is over, you should select Move Money, click the Transfers button then select Transfer Funds.
Remember also that you can transfer money from Chime to a bank account when the need arises. Sometimes you require money in your other bank to do various activities that you cannot do with Chime.
Various banks that work with Chime include the following.
- Bank of America
- Capital One
- Charles Schwab
- PNC Bank
- TD Bank
- Navy Federal
- U.S. Bank
- Wells Fargo.
How do you use the Chime debit card?
There are various ways you can use your Chime debit card. They include the following.
1) Buy goods and services
You can buy goods and services either online or at a physical store. When you buy online, you can use the card number, the card’s expiry dates, and the CVV. The systems then deduct the appropriate amount of money from your account. It is important to only pay online at sites that you trust to prevent losing money from your account since some merchants can misuse your data.
Also, you can tap or swipe to pay at physical branches. The payment method is the commonest as it allows you to shop at physical locations.
2) Withdraw money at an ATM
Since the card is a debit card, you can withdraw money from various ATMs. Even though you can withdraw money from Chime without a card when you transfer money to your bank account, the debit card remains very handy due to its convenience. To withdraw money at an ATM point, you need to insert the card into the machine, enter your PIN, and choose the amount of money to withdraw.
You can withdraw money from over 60,000+ fee-free ATMs throughout the country. That makes the card very useful for your account.
Chime is a financial technology company that gives services similar to those of banks. The platform operates online, and you have to open an account by downloading the Chime app or using the website as long as you have the correct details. The company allows you to open a checking account and a savings account. You can also get the Chime debit card for cash withdrawals at ATMs or buy goods and services.