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Free overdraft program for those eligible: All qualifying customers can overdraw their account by up to $20 without penalty and could later be eligible to make a debit card purchase that drops their account as low as negative $200. The company will cover the overdraft without a fee, and your next deposit or transfer will be applied to the negative balance. Two program requirements: To gain access to this program called SpotMe® requires your checking account to have received one qualifying direct deposit of at least $200 in the 34 days before the overdraft occurs. In addition, there must be a minimum of $200 total in qualifying direct deposits every 34 days to stay in the program. No traditional overdraft alternatives: But unlike many banks, Chime doesn’t offer overdraft protection transfers or a line of credit, so customers who overdraw outside of the SpotMe® program or past its limits can’t get transactions covered; instead, those transactions will likely be declined. See below for more information from Chime. See more information from Chime Chime says: "SpotMe® won't cover non-debit card purchases, including ATM withdrawals, ACH transfers, Pay Friends transfers, or Chime Checkbook transactions." The Chime debit card is a no-fuss alternative to a conventional debit card. The ease of use can’t be matched: It comes without any minimum balance requirements or monthly account fees. While most of the information about the Chime card is present on its designated page on the website, not every method of loading money onto it is detailed there. You might be wondering: where can I load my Chime card? In this guide, you’ll find the answer to this question and learn about deposit restrictions. Where Can I Load My Chime Card?Chime’s deposit partners have over 90,000 retail locations all across the country. Some commonly known retailers include CVS, 7-Eleven, Walgreens and Walmart. You can simply go up to the cashier and tell them to deposit the amount into your spending account. Each Chime user can make three deposits in a 24-hour period. Additionally, you cannot deposit more than $1000 every 24 hours, while the monthly deposit cap is $10,000.
A Better Way to Bank It’s also important to note that your funds are only FDIC insured once they have reached Chime. When you add them from a third party to your card, they are not insured until Chime processes your deposit. Chime Deposit PartnersHere are the Chime deposit partners that accept cash deposits:
How To Load Your Chime Card at CVSLoading your Chime card at any Chime deposit partner is pretty much the same, except for the transaction fees and transfer times. Here’s how to load your Chime card at CVS. Find a CVS StoreStart by finding a CVS store near you. If you’re unsure of the nearest location, you can find it using the CVS store locator or the Google map below. The tool will also give you directions to the store and detail its hours of operation. A Better Way to Bank Load the MoneyOnce you are in the store, go to any cashier and give them your Chime card. Then, hand them the amount you want to add to your card. Pay the FeeEvery retailer has a different fee for loading your Chime card. The cashier will tell you the fee depending on the amount you’re adding to your card. If you’re visiting a location for the first time, it’s best to ask the cashier about the fees beforehand since they may differ between states. How to Load Your Chime Card at WalmartJust like CVS, you can find your nearest Walmart by using the Walmart store finder or the map below. The results will show the stores closest to you, along with their addresses and hours of operation. You can also get directions from the locator. After going into the store, go to the MoneyCenter counter or the customer service desk and ask the cashier to load the amount onto your Chime card. Walmart charges a transaction fee of $3.74 or less for each card load. When adding money to your Chime card, you will see the funds in your account within two hours of making a deposit. A Better Way to Bank How Long Does It Take for the Money To Show In Your Account?Chime claims that the users will see the money transferred to their accounts in just two hours. Whether you’re using CVS, Walmart or any other of Chime’s deposit partners, the time it takes for the funds to reflect in your account balance will be the same. Once you make a transaction, Chime will send you a notification on the mobile number you used to set up your account letting you know the money is available. You can also log in to your Chime mobile app and check the account balance two hours after loading your card. Third-Party Retailer Transaction FeesChime makes it very clear that there might be additional transaction fees at third-party retailers when you load your card. These fees are not decided by Chime and are instead set by the retailers. Before going to a retailer, you can check the fee they charge for each transaction. Here’s how to do it:
Typically, retailers will charge you less than $5 for loading your card. However, the final charges will differ depending on the amount you deposit into your account. Other Ways to Load Your Chime CardIf you do not want to go to a physical store, you can transfer money to your Chime card from another major bank. This option is available if you have an account in one of these banks:
Open the Chime mobile app and log in to your account. Go to Move Money and select Transfers. Then, enter the username and password for your bank account. Now you can transfer money to your Chime card. The limit for this type of transfer is $25,000 per month, $10,000 per day. However, the transfer time is longer as compared to cash deposits; it takes five days for bank account transfers to be available on your Chime card. Final TakeIf you want to enjoy hassle-free and quick access to your funds, you can load your Chime card from any retailer mentioned in this guide. This article has been updated since its original publish date. Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. Share This Article:  By Scott JeffriesSeptember 21, 2021Related Articles
A Better Way to Bank About the AuthorScott JeffriesScott Jeffries is a seasoned technology professional based in Florida. He writes on the topics of business, technology, digital marketing and personal finance. After earning his bachelor’s in Management Information Systems with a minor in Business, Scott spent 15 years working in technology. He's helped startups to Fortune 100 companies bring software products to life. When he's not writing or building software, Scott can be found reading or spending time outside with his kids. Where can I add money to my Chime card for free?Chime does not accept deposits of any kind from an ATM. You can deposit cash to your Chime Checking Account at over 75,000 other retail locations (like Walmart®, CVS®, and 7-Eleven®). You can make free cash deposits at any Walgreens® location.
Can I put money on my Chime card at an ATM?Unfortunately, we're unable to accept deposits of any kind from an ATM. You can deposit cash to your Chime Checking Account at over 60,000 retail locations with GreenDot. Simply ask the cashier to add cash directly to your Chime Checking Account at the register.
How much does it cost to add money to a Chime card?There are various locations out there that can load your card, completely free of charge. You'll just have to do your research on where those locations are, and what fees they ask for in order to load your Chime card. A different location will charge a different fee. For instance, Walmart charges $4.95 per transaction.
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How do i add money on my chime card
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