Chime is an online bank that offers financial services via an app. With a Chime account, you can perform various kinds of transactions, but you may wonder can someone send me money to my Chime account from another bank?
Not only can you pay bills, send money, and save, you can receive money from another bank and from P2P apps like Venmo, Paypal, Skrill, Payoneer, and Cash App.
How can someone send me money to my Chime account? Anyone can send money to your Chime account via direct deposit, check, and the third parties financial companies mentioned above. Find out how below!
Table of Contents
- How Can Someone Send Me Money to My Chime Bank Account?
- How Do I Receive Money From a Friend on Chime?
- Can Someone Send Me Money to My Chime Account From Another Bank?
- How Can Another Bank Send Money to Chime
- How to Send Money From Cash App to Chime
- Does Chime Work With Venmo?
- Can PayPal Send Money to Chime?
- Can You Send Money From Payoneer to Chime?
- How to Send Money From Western Union to Chime
- How to Send Money From Moneygram to Chime
- Does Chime Work With Zelle?
- Can I Transfer Money to Chime from Netspend?
- Is Chime Right for You?
How Can Someone Send Me Money to My Chime Bank Account?
Anyone can send money into your Chime account. You only need to provide them with your Chime Nickname (user name) and your phone number or email address.
That means that you can also send money to your friends’ Chime accounts. Every Chime account holder can transfer up to $2,000 per calendar month.
How Do I Receive Money From a Friend on Chime?
For someone to send you money, they just follow these steps:
1) Log in to his/her Chime mobile app.
2) Tap the Move Money tab.
3) Select the Transfers dropdown.
4) Choose Pay Friends.
5) Enter the recipient’s name, Chime nickname, and phone number or email address.
6) One can also select the recipient’s name from the list of contacts.
7) Next, enter the amount of money to send and the reason that you’re sending the money.
8) Confirm the recipient as well as the amount of money to send and hit send.
So, can a non Chime member send me money and vice versa? Yes. For example, if you want to transfer money from Chime to Cash App, you will need the Cash App routing number to transfer funds successfully.
Similarly, you can transfer funds from Cash App to a Chime bank account. The routing number helps to identify the bank to which you are sending money. It means that each bank has its unique routing number.
Read More: Can You Send Money From Zelle to Cash App? Not directly, but there are ways to work around it!
Can Someone Send Me Money to My Chime Account From Another Bank?
If you have a Chime account, you are not limited to receiving money from Chime account holders only.
People can also send money with an account and routing number using other banks such as Bank of America, PNC Bank, Wells Fargo, Citi, USAA, Fidelity, US Bank, and Capital One.
You will have to provide your account number and the routing number of Chime bank.
Money sent from another bank to Chime can take up to five business days (Mon-Fri excluding National holidays) to reflect your Chime account. However, in most cases, the transactions complete within three business days.
How Can Another Bank Send Money to Chime
- They will need to login to their Bank website or mobile app
- Next they will need to find the transfers section
- They need to add a payee and insert your Chime account details (Name, routing number & account number)
- Enter the desired amount to be transferred
- Initiate the transfer
Read More: Wells Fargo Bank PayPal Number. We show you how to use Netspend with the Wells Fargo Bank PayPal number!
How to Send Money From Cash App to Chime
We also found that Cash App can be used with Chime. Cash App is a mobile payment service from Square (a financial company in the US). It is purely an online platform with a mobile app that allows users to send money.
The sender needs to link your Chime bank account to their Cash App. When the sender has linked your bank account to their Cash App account, they can then send money by following the procedure below:
- Tap the Balance tab on the Cash App home screen
- Select Cash Out
- Key in the amount of money to send and press Cash Out.
- Next, choose a deposit speed.
- Confirm with their PIN or even the Touch ID
Money from Cash App to a bank account does not reflect immediately. You can expect it within 1-3 business days, and if it delays further, the sender can contact Cash App customer care.
Does Chime Work With Venmo?
Yes, we found that Venmo is compatible with Chime, which means Chime users can send and receive money using Venmo.
Also, Venmo transactions are instant, making this a very convenient method of sending and receiving money.
Can PayPal Send Money to Chime?
PayPal is a trusted platform across the world with millions of users across the globe. Others can use PayPal to send money to your Chime account. However, they can’t link your Chime account to their PayPal account.
We believe that the best option is to send money from your PayPal account so that you can withdraw to your Chime bank account.
Can You Send Money From Payoneer to Chime?
Payoneer is a bit different from PayPal in that one can add other people’s bank accounts. It, therefore, means that others can use Payoneer to send money to your Chime account.
If they are sending from other countries, then there will be conversion charges, and both of you must put that into consideration.
Payoneer to bank withdrawal charges is 2% above the mid-market rate. The sender needs your Chime bank account number and routing number.
Once they send you the money, you can receive it in your account within 2-5 business days.
How to Send Money From Western Union to Chime
Western Union has been around since 1851 and continues to rock in the money market. Other people can send you money via Western Union to your Chime Bank account.
The sender can use the send to a bank account feature to transfer funds into your bank account. The following procedure is essential:
- Login to the Western Union accounts online or on their app.
- Select ‘Send to’ country and enter the ‘Send amount.’
- Choose ‘Bank Account’ as a receive method and choose the preferred payment method.
- Provide the receiver’s information as well as the bank account details.
- Complete the transfer and retain the tracking number (MTCN).
How to Send Money From Moneygram to Chime
MoneyGram is another excellent option that others can send you money into your account. The sender needs to have an account with the company to carry out the transaction.
Once they have an account, they should follow the procedure below to send you money to your Chime bank account:
- Log in to their MoneyGram account
- Select send to someone new or choose existing receivers.
- Indicate who you are sending the money to and select their country
- Select ‘Account Deposit’
- Choose how to pay
- Send money
The transaction can take up to five days to complete.
Does Chime Work With Zelle?
Zelle is partnered with over 200 banks, including Bank of America, Wells Fargo, Chase and USAA. Despite the bank not working as a Zelle partner bank, Chime can process payments from the service.
How Can Chime Receive Money From Zelle?
You can accomplish this by adding your Chime debit card to the Zelle Payments app, which will debit your money directly from your Chime bank account.
When sending a payment using the service to Chime though, it won’t be processed in the same way. Instead, it will use the ACH Network, which delays the time in which the funds will be transferred.
There are risks involved with setting up your accounts in this manner. For example, there have been instances where accounts have been suspended for sending money from Zelle because they are unable to verify the funds.
A better solution would be to send your Zelle payment to a different bank on the approved partner list. Chime may be added to the approved partner list in the future.
Can I Transfer Money to Chime from Netspend?
You cannot directly transfer money from Netspend to Chime. However, you can use PayPal as an indirect way by first linking PayPal to your Netspend card.
Then, that money can be transferred from Netspend, to PayPal, and then to Chime.
Is Chime Right for You?
Chime is an excellent bank to open an account with since you can do many kinds of transactions.
Furthermore, it is convenient as it is purely online, whereby you can send money from your checking account instantly to other Chime users and vice versa.
Several reasons make Chime a suitable bank to use, including the following:
1) Operations Are Purely Online
Chime bank operates online, which means there is never a need to line up for services like it is with many brick and mortar banks.
You only need to manage your account using a smartphone or computer.
2) Minimal Fees
Chime does not charge foreign transaction fees, overdraft fees, or monthly fees. Moreover, you will pay no costs at In-network ATMs. If you use an ATM that is out of their network, you will pay $2.50.
3) Chime Has No Minimum Balance
Contrary to many banks, Chime does not require you to maintain a minimum balance. It means that you can even have zero in your account.
It is, thus, an excellent bank that will never hold your money in the name of minimum balances.
4) Debit Card With Zero Liability
While some banks will let you suffer alone if someone uses your card to make transactions, Chime will never do that.
You are not liable for any illegal use of your card as long as you report it immediately.
5) FDIC Insurance
If the bank goes out of business, your money is safe because FDIC insures up to up to $250,000. You, therefore, can save with the bank with no worries at all.
Other benefits include mobile deposits, rewards on purchases, phone payment services, and an extensive ATM network.
Despite being that good, Chime also has some drawbacks:
- Minimal interests
- Not supporting joint accounts, and
- Lack of overdraft protection
Chime bank allows others to send money into your bank account.
Apart from receiving money from other Chime account holders, you can receive money from others via different platforms such as Cash App, Payoneer, and Westen Union.
Chime is a convenient bank since it is purely online. It charges no overdraft fees and has no minimum balance, making it an excellent bank to use.