More and more users have been using Chime and Zelle as convenient and secure methods to send and receive money.
But do these popular apps work together? Can you transfer money from Chime to Zelle and vice versa? Read on to find out.
Here’s if Chime Works With Zelle:
Yes, Chime works with Zelle. While Chime is not integrally supported within Zelle, you can still link them both to send and receive cash. However, the transfer will not be as quick, taking up to three (3) days. You will also have to contend with the weekly transfer limit of $500.
Zelle works similarly to popular mobile payment services such as PayPal, Venmo, and Cash App. It allows users to send and receive money to and from anyone with access to the platform.
While Zelle works with most brick-and-mortar banks like JP Morgan and Bank of America, it must provide native support to online banks like Chime.
Chime is not a traditional bank in the sense that it does not have a physical location for its customers. While the financial institution offers various banking services, all transactions are performed online.
Zelle cannot be used directly with Chime since the latter is an online bank. Chime will not appear on the list of banks in the Zelle app.
Fortunately, Zelle allows users to input an unlisted bank or credit union. You need to enroll a Chime debit card which you will use to send and receive money.
Transactions between Chime and Zell are not instant. Unlike regular payments sent through Zelle, remittance can take a few business days to process.
How to Set Up Chime With Zelle: (Step-By-Step)
Chime does not have an option that allows users to connect to Zelle, but Zelle does. To set up your Chime account to work with Zelle, you need to do the following.
1. Download and install the Zelle app on your device. This should be free for both Android and iOS.
2. Set up a free account. Input your mobile number, then click Continue.
3. Hit the Don’t See My Bank option when prompted to find your bank, then type in Chime on the space provided.
4. Add a debit card. This should be the debit card you use for your Chime account. Enter information such as card number, expiration date, and security code or CVV, then hit Continue.
5. Finally, choose a strong password for your new Zelle account.
You should note that when trying to connect your Chime account with Zelle, there are cases where you will get an error message stating that your debit card is not supported.
Recently, many users have reported encountering issues with adding Chime debit cards to Zelle. Zelle seems to classify the debit cards as prepaid cards, which are not supported by the platform.
If this happens, there is nothing you can do. You are better off using other mobile payment services for your Chime.
Are There Fees for Using Chime With Zelle?
No. Unlike other peer-to-peer money transfer platforms, Zelle does not charge fees for moving money from one account to another. This is one of the benefits of using Zelle.
You do not have to pay any transaction fee or interest when using Chime with Zelle. Sending and receiving money between the two platforms are free.
Is There a Transfer Limit for Using Chime With Zelle?
Yes. The weekly transfer limit for using Chime with Zelle is currently $500.
There is no specific transfer limit per day, so as long as you do not send more than $500, you should be fine.
Zelle’s weekly transfer limit is a bit restrictive for users who need to send larger amounts.
Compared with Chime’s $500 weekly limit, Zelle’s maximum transfer limit with traditional banks per week is between $2,500 to $3500.
What Bank Is Chime on Zelle?
Chime bank is not available on Zelle. You will not find it on the list of banks on the Zelle network.
Only brick-and-mortar banks are listed on the Zelle app. Since Chime is a financial technology company and not a conventional bank, it is not included in the options provided.
To enroll your Chime account on Zelle, you need to click on the Don’t See My Bank button and add your Chime debit card.
Once you have finished with the setup, you can now use the money on your Chime account and make payments using Zelle. Your debit card will be your payment method.
Can you send money from Zelle to Chime?
Yes. While online banks like Chime are not natively supported in Zelle, you can bypass this problem by adding your Chime debit card to your Zelle app.
There is no Chime inbuilt option on Zelle. To use Zelle’s services to transfer money to your Chime account, you first need to enroll your Chime debit card.
Log in to your Zelle account and add the Chime debit card. If the debit card is accepted, you can now initiate a money transfer.
Just enter the amount you want to send and the funds will go directly into your account.
Can You Send Money From Chime to Zelle?
Yes. Once you have added your Chime debit card to Zelle, transferring money from Chime to Zelle is easy.
You can link your Chime debit card by entering your card number, CVV, and expiry date. Complete the setup process until the card is linked successfully.
From there, you can now request money from the Chime debit card and add it to your Zelle balance.
Just log in to your Chime account using your credentials and hit Transfer Money.
Can Someone Send Money to My Chime Account Using Zelle?
Yes. Anyone can send funds to your Chime account using Zelle, as long as the person knows your account number and routing number. They should also link their Zelle account with your Chime account.
To get your Chime routing and account numbers, you should log in to your Chime account either via the website or mobile app.
On the menu, locate Move Money. After clicking the button, you will see the numbers you are looking for.
What to Do if Chime Doesn’t Work With Zelle:
If you are unlucky enough to have Zelle reject your Chime debit card during enrolment, do not fret. You can use a different bank account as a middleman.
You can link your Chime and Zelle accounts using an external bank account known to be part of Zelle’s network (where you have an existing account).
To do this, you need to log in to your Chime app. Go to Settings, then tap Link a Bank Account.
Choose one of the banks listed on Zelle, then enter your bank's login credentials.
If done successfully, you can transfer funds from that external bank account to Chime, and vice versa anytime you want.
You should note that such transactions can take up to five (5) business days to complete.
If this trick still does not work for you, it is time to consider other alternatives you can use for instant transfer transactions.
You can use Chime’s Pay Anyone feature to send money instantly, even to non-Chime members. Transactions are free.
When you initiate the transfer, the recipient will receive a link to register their bank’s debit card where they will receive the money you sent.
To use Pay Anyone, just go to the Pay Anyone tab and locate that friend on Chime. If the person is not a member, you should enter their email address or phone number.
Then, enter the amount you wish to send, add a note, and hit Pay.
The recipient has 14 days to enter their required information to claim the funds.
You can also transfer money using other instant transfer options, such as Apple Pay, Venmo, PayPal, and Cash App.
Like with Zelle, you have to link your Chime debit card with your chosen peer-to-peer money transfer service. Unlike Zelle, these options can cost you fees between 1.5% to 1.75%, so you may want to reconsider.