Can I Withdraw Money From Chime Without Card

withdraw money from chime without card

Chime is a financial technology company that operates in the United States. The company allows you to carry out various kinds of transactions such as sending and receiving money, saving funds for future use, buying goods and services, among many others. The institution is not an actual bank but offers services similar to banks. We shall check how to withdraw money from Chime without card.

Even though the financial company operates online, it allows you to withdraw money for various services. Withdrawing money means getting funds out of your account for various uses. Ordinary banks allow you to withdraw money at a branch over the counter or using your debit card. Is that the case with Chime? You will be able to know more about that shortly.

Since Chime is an online financial service, you have to open your account online. You can utilize your phone, computer, or tablet to start the operation. Online account opening is simple as you only use a few minutes to have your account running. Again, you can manage your money online and carry out various transaction activities.

Ways To Use A Chime Account

There are various ways you can use your Chime account. You can carry out the following activities since it is like a bank account.

i) Send money to others

One of the most important activities you can do with the Chime account is to send money to other account users. The transfer is usually instant once you hit the tab sent. You can carry out the transaction in the following manner.

  • Navigate to the ‘Pay Friends’ tab.
  • Find your recipient on Chime, or enter the email or phone number. You can also use the Chime username of someone who isn’t on Chime.
  • Next, enter a dollar amount and a note and Choose ‘Pay’.

Your friend should receive funds immediately or within a few days. If your friend is not on Chime, they have 14 days to enter the required details to open an account and instantly claim the funds. You can also send money to other banks using wire transfer or ACH methods. You must transfer money using the routing number and account number to the concerned recipient. 

withdraw money from chime without card

Wire transfers take a shorter time compared to ACH. They also allow you to transfer large amounts of money at once. However, wire transfers are not safe since you may not recover them once you send money.

ii) Pay bills

You can pay bills using your Chime account to service providers such as the internet, electricity, water, and others. Online payment is convenient as you can do it anywhere and anytime. Since the institution is among the most trusted financial companies in the country, you can be sure that your service providers are likely to accept its payments.

iii) Mobile check deposit

Times are gone when you only had to deposit checks in banks. Nowadays, you can deposit checks online using a mobile banking app. To deposit checks using your Chime account, you should follow the steps below.

  • Log in to your Chime mobile banking app.
  • Navigate to the mobile check deposit section in the menu.
  • Tap the account you want to deposit the check into (you can deposit money either in checking or savings).
  • Enter the check amount.
  • Take photos of the check both front and back and submit them for processing.

iv) Withdraw money

You can withdraw money from your account using the Chime debit card. You need to visit an ATM near you with your card and PIN, insert the card in the machine and follow the step-by-step process to withdraw money. Sometimes you need to withdraw funds because there are things you cannot buy online.

Can I Withdraw Money From Chime Without Card

Chime allows you to withdraw money without a debit card to your bank account. To transfer money from Chime to a bank account, you can use any transfer methods that I mentioned earlier. These include ACH and wire transfer. You require the routing and account number of the other bank to transfer the funds.

To transfer money from your Chime account to a bank account, you can follow the steps below. You should have added the bank account already.

  • Log into your Chime account.
  • Select ‘Move Money’.
  • Choose ‘Transfers’.
  • Choose the bank account to send money to. If prompted, you can enter your external bank’s login details if you have not added your bank account.
  • Enter the amount of money to transfer and follow prompts.

Once the funds reflect in the receiving bank account, you can then use the money as you wish, you can also withdraw the funds over the counter.

Bottom Line

Chime is an online financial services technology company that allows you to send and receive money. The platform operates like ordinary brick-and-mortar banks, although its services are purely online. You can open a Chime Spending account or a savings one.

The platform usually issues a debit card that you can use to access your funds at ATMs or purchase goods and services. You can transfer money from Chime to a linked bank account.

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.