Where Can I Load My Chime Card?

Updated on May 7, 2024

About Chime

Chime is one of the most popular neobanks with 7 million monthly active customers and $8 billion in monthly transaction volume. Chime offers a ton of benefits for people with low FICO or generally not served by the traditional banking system. You also don’t need a minimum balance, and you don’t have any monthly account fees. That’s why it’s the most popular neobank out there so far.

30 Second Recap

Chime cards can be loaded at over 85,000 retail locations worldwide, including Walgreens and Duane Reade for free, and others like Walmart, CVS, and 7-Eleven for a fee typically under $5. Loading at ATMs is not possible, but the Chime mobile app and bank transfers from major banks are alternative options. Daily load limits are $1,000 with a monthly cap of $10,000. Fees vary by location, with Walmart charging $3.47 per transaction.

Where Can I Load My Chime Card?

Chime has many deposit partners, with more than 85,000 retail locations spread all over the world. Some of these retailers are quite popular and include:

Where to Load a Chime Card for Free

  • Walgreens
  • Duane Reade

Where to Load a Chime Card with a Fee

  • Cumberland Farms Corp
  • Walmart
  • Holiday Station Stores
  • Circle K Stores
  • Sheetz Incorp
  • Pilot Travel Centers
  • Royal Farms
  • Kwik Trip Inc
  • Dollar General
  • Family Dollar
  • Speedway
  • GPM Investments
  • TA Operating LLC (TravelCenters of America)
  • CVS
  • 7-Eleven
  • Rite Aid
  • Krause Gentle (Kum & Go)

Fees to load a Chime card

You can expect to pay less than $5 for the service. Most users report common fees ranging from $3 to $4. However, some stores may have a tiered fee structure, which means they could charge more for larger reload amounts.

To determine the exact fee for your reload, you have a couple of options:

  • First, you can call the local branch of the retailer you intend to visit. They will be able to provide you with the specific reload fee for the amount you wish to add.
  • Alternatively, you can check the retailer’s app or website. Some retailers list their service fees, including reload charges, online, which can provide you with the information you need without having to make a call.

Loading Chime Checking Account

You can use the bar code on your mobile app to load your checking account.

Here’s what you need to do:

  1. Open Chime App and go to “Move Money” tab.
  2. Tap “Deposit Cash”.
  3. Tap the green View Barcode button.
  4. Ask the Cashier at any of the listed retail locations to transfer funds to your Chime account.

Loading Chime Credit Builder Secured Visa® Credit Card or Chime Visa® Debit Card**

  1. Log into your Chime app.
  2. Tap Move Money.
  3. Select Deposit Cash.
  4. At any of the listed retail locations, swipe your card at the cash register, and transfer the funds to your Chime Account.

Depending on the location, the steps might be slightly different. For example, while some locations may only accept cash, others may allow you to make the payment with a debit or credit card. With that in mind, cash is the typical route here.

Can I Load My Chime Card at an ATM?

One thing you should know is that you cannot load the Chime card at an ATM. You need to go to the specific locations and have the deposit partners load the card themselves. After that, you may use the card at any other location that accepts card payments.

You can, however, withdraw cash from your Chime Card at ATMs in Chime partner stores and select other locations.

Other Ways to Load Your Chime Card

Two other ways to load your Chime care are either through the Chime App or through a bank transfer.

Mobile App Deposit

Use the Chime mobile app to deposit cash. The app allows you to generate a barcode that the cashier can scan at the retail location to transfer funds to your account.

Bank Transfers

Transfer money from major banks like Bank of America, Capital One, Chase, etc., to your Chime card. This method allows transfers of up to $25,000 per month and $10,000 per day. However, bank transfers may take up to five days to reflect in your account. Chime’s Bank partners include:

  • U.S. Bank
  • TD Bank
  • Chase
  • Capital One
  • Charles Schwab
  • SunTrust
  • PNC Bank
  • Wells Fargo
  • Navy Federal
  • Fidelity
  • USAA
  • Citibank
  • Bank of America

How Much Can I Load onto My Chime Card?

Bear in mind that there are limits to loading your Chime card. For instance, you can deposit up to $1,000 per day into your Chime account, which you can spend using the Chime Card. You can make a maximum of three deposits within 24 hours.

That being said, you have a loading limit of $10,000 per month. As a result, you won’t be able to load the maximum amount every day. If you decide to close your Chime account, make sure that the card is not loaded.

Chime Card Reload Fees

Depending on the location, you may or may not be charged a fee. 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 $3.47 per transaction. You should know the fee before you step into the location so that you do not stumble across any surprises when they ask you to pay extra.

How to Load Your Chime Card at a Bank

If you don’t want to go to a physical location, then you may use various major banks to make the transfer. If you have an account at one of the following banks, then you can make a transfer.

The transaction is quite simple, and it may be done from the comfort of your home. All you have to do is go onto your Chime account on the mobile app, select “Move Money” and “Transfers,” and then add the username along with the password for your bank account.

From this point, you may use bank transfers in order to transfer money into your Chime card. You have a limit of $25,000 per month when transferring with this method. You may also transfer up to $10,000 per day.

The only issue here is that the transfer time is longer than when you transfer it from the location. When you go to the Chime partners, the money enters your account almost immediately, and you may use it right away. Still, if you go for bank transfers, it may take up to 5 days for the money to reach your Chime account.

Reloading Your Chime Card at Walgreens

Walgreens is a highly reliable option for loading your Chime card. Once you load it there, you may use it at whatever location accepts visa payments. To reload your Chime card at Walgreens, you will have to go there during their service hours. Loading is free there.

The process is fairly simple. You need to visit the store and then ask the representative to put money on your Chime card. You should be able to use the money within two hours, although sometimes the process can be almost immediate.

Reloading Your Chime Card at Walmart

Walmart is one of the most popular places to reload a Chime card, simply because there are so many locations out there. All you have to do is to find the one nearest to you and then go there. Bear in mind that you need to go during their operating hours. Talk to the register there and hand them your card, along with the money necessary for the payment.

Remember that depending on the location, Walmart charges a fee. Similar to Walgreens, the money will take up to two hours in order to enter your account. Once the money shows up, you will be able to use your Chime card.

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Final Thoughts

Chime cards represent a very useful tool to have around when you do not want to bother with standard debit or credit cards. While they do need to be loaded when you run out of funds, there are multiple locations that you may visit for that purpose. For easy loading, you may want to use the partners that we mentioned in this guide.

Frequently Asked Questions (FAQ)

Where can I load my Chime card for free?
You can load your Chime card for free at over 8,500 Walgreens locations across the U.S.

How long does it take for funds to reflect in my account after deposit?
Funds typically reflect within two hours of deposit, regardless of the retail location used.

Can I deposit cash into my Chime account at any ATM?
No, Chime does not accept cash deposits at ATMs. You can use ATMs for cash withdrawals only.

What are the daily and monthly limits for depositing cash into a Chime account?
The daily limit is $1,000, and the monthly limit is $10,000.

Are there fees for depositing cash into a Chime account?
Depositing cash is free at Walgreens, but other retailers may charge fees, typically less than $5 per transaction.

Can I transfer money from other bank accounts to my Chime account?
Yes, you can transfer money from major banks to your Chime account, with limits of $25,000 per month and $10,000 per day.

What should I do if the magnetic strip on my Chime card is damaged?
If the magnetic strip is damaged, you cannot make cash deposits. You can request a new card via the Chime app or their website.

How can I find a Chime cash deposit location near me?
Use the Chime mobile app to find nearby cash deposit locations by selecting “Deposit Cash” under the “Move Money” tab.

Can I load my Chime card on weekends?
Yes, you can load your Chime card at retail locations on weekends, but direct deposits are processed only on business days.

How do I check the transaction fees for different retailers?
Check the transaction fees by using the Chime mobile app. Go to “Move Money,” then “Deposit Cash,” and select “See Locations Near Me”.

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Frank Gogol

I’m a firm believer that information is the key to financial freedom. On the Stilt Blog, I write about the complex topics — like finance, immigration, and technology — to help immigrants make the most of their lives in the U.S. Our content and brand have been featured in Forbes, TechCrunch, VentureBeat, and more.

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