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Save your money, so that your money can save you.
Save your money, so that your money can save you.

Chime Debit Card

Chime Card

Chime Debit Card

Chime reloadable card has actually emerged to the top of the pack, almost out of nowhere, by becoming Millennials favorite prepaid card. However, it should be pointed out that Chime isย technically a mobile bank account rather than a typical prepaid card. This is similar to NetSpend except they do not have a bank account attached to it.

Chime Speaks To The Young


Chime speaks the language of the young and offers what the youth is looking for in a prepaid card debit card company...low to no fees and ease of use.
As far as their fee structure, this mobile bank very closely matches the Amex Bluebird card (which is a favorite among prepaid cardholders) and the Simple mobile bank. Even Chime's Instagram account (with 300,000+ followers) speaks the language of the young and they love it!
Their Instagram has 10x more interactions & followers thanย NetSpend, Green Dot, Rush Card, Venmoย or other popular payment solutions used by young generations. PayPal is the only close competitor with 200,000+ followers.

Let's Dig Into The Card Itself

Chime is an American online neobank (a bank without any physical locations)ย based out of San Francisco, California. Their services are mainly offered through a banking app that can easily be downloaded to your smartphone or device.

Chime is known to offer absolutely free banking, devoid ofย any of the typical bankingย fees including bank maintenance, monthly account charges, and overdraft costs. The absence of physical, brick and mortar locations is what makes free banking possible, and Chime is one of many institutions that now offer hassle-free transactions. This article will cover everything you need to know if you are contemplating making the switch to Chime!

ย chime visa debit card

Chime provides their customers with a Visa Debit card, which is issued as soon as an account is opened with them. This card can be used anywhere that Visa Debit is accepted, both in-store and online. Clients have access to over 38,000 ATMs across the United States. Your Chime Visa Debit card is directly linked to your Chime bank account, and any purchases made will be withdrawn from your spending account.

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Fees

chime card fees

Chime Bank vs Chase Bank Fees

Chime boasts a no hidden fees policy, which is a very attractive quality amongย most otherย banking options that are currently available. Most banks require monthly commitments to be paid in order to uphold their physical locations and employed staff.

These charges can add up rather quickly and drain your savings over time. On the other hand, Chime promises absolutely no fees of any kind, which includes branch maintenance, overdraft charges, foreign transactions, minimum balance requirements or service fees.

The best part? Using one of Chimeโ€™s ATMs is also absolutely free. There are no fees associated to withdrawing, depositing or checking your balance at any of their 38,000 ATM locations, making the Chime Visa Debit a convenient and cost-effective banking option. This is especially true when compared to most prepaid cards, which offer similar services but with fees.

Services Offered

Chime Bank services

Chime has created a virtual app for your computer, smart phone or device, which boasts overย 140,000+ 5-star ratings...and for good reason! Their app is designed to be user-friendly and easily accessible, allowing their customers to easily track spending and keep tabs on savings accounts, transfer money effortlessly between accounts or send money to friends and family when needed, as well as deposit (or direct deposit) checks and pay bills on time. With Chime, you can get your direct deposit up to two days earlier than promised. You can rest easy knowing that your money is secure with Chime and their partner, Bancorp Bank. Deposits of up to USD $250,000 are insured, thus protecting your savings and investments in case of company failure.

During the COVID-19 global pandemic, Chime offered their customers the companyโ€™s own capital until stimulus checks began coming in. This meant that about 1,000 customers received their first stimulus check in the first couple days of April 2020 and another 240,000 customers received their payment on April 10th, 2020, five days earlier than promised by the IRS.

Their personable connection to their clients and friendly customer service is just another reason to switch to Chime!

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How Do I Add Money to Chime Debit Card?

How do I Add Money to Chime Card?

The easiest way to add money to your Chime debit card is through direct deposit. Cardholders can provide their employer with their Chime bank routing/account number and bank name (Bancorp or Stride it varies from user-to-user). A form with this information provided comes in the envelope when Chime ships your Visa debit card.

The second most popular way to add money to your Chime card is by visiting CVS, 7-Eleven, Walgreens, Rite Aid and other participating stores in the Green Dot Reload @ The Register.

Chime has partnered with Green Dot's Reload @ The Register service to make reloading their debit card easy. You should know that unlike loading a prepaid card and receiving your funds instantly on your card, Chime debit card takes up to 4 hours before the funds can be reflected on your account. We've actually done this method of adding funds and we could see the funds in our account within 20 minutes.

Is Chime a Reloadable Card?ย 

Yes & no. Chime isn't a General Purpose Reloadable Card like Green Dot, NetSpend, Serve Card, Blue Bird, RushCard etc. The cards that we just mentioned are reloadable prepaid cards. Chime is actually a digital bank, and the Chime card is actually a bank debit card that offers overdraft.ย It is however, reloadable andย cardholders can add money to their Chime debit card from the cash register of stores like CVS, Rite Aid, 7-Eleven, Walgreens and more.ย 

Where Can I Load My Chime Debit Card?

Chime debit cardholders can make a deposit or reload their cards at CVS, Walgreens, Rite Aid, 7-Eleven, and other participating retailers. Chime bank has partnered with Green Dot Reload @ The Register service to allow cardholders to add funds to their cards at the cash register. This is a game changerย because one of the drawbacks that many young people have (including myself) with debit cards is the process of going to the bank to add money to their card. Although Chime is a mobile bank with no local branch, it's a first for a bank account to allow members to make deposits this way.

Overall, Chime is an excellent option for those who want a stress-free banking experience, without all the fees attached. Its many perks and benefits rival not only the prepaid card sector but most standard banks as well. ย 

Few Interesting Things About Chime Bank

Every website talks about some of the basics of being a member of Chime bank account but we want to discuss some of the things other websites are not talking about as much that are quite interesting.

1. ChexSystem - Chime bank does not check your credit score or Chexsystemsย which makesย it incredibly easy to open an account even if you have bad or no credit. Chexsystem contains negative marks about your financial history. I know first hand how negatively the Chexsystem impacted me from getting an account with Bank of America and other banks. So this is something worth mentioning.

The sign up process is equivalent to creating an Instagram or other social media accounts, very seamless.
Chime Credit Builder Card
2. Chime Credit Builder Card - This is something new that Chime bank is rolling out. Current users can sign up right nowย to join the waitlist (as of the current date 7/20/2020).

The Chime Credit Builder card help users build their credit score. When cardholders routinely pay for bills, groceries, subscription services etc., it gets reported to the major credit bureaus. I wish this was out years ago because I have been electronically paying rent on time, every time for 4 years. Sharing that information with the top credit bureaus would have increased my credit score a noticeable amount.

Chime Credit Card

Chime Credit Builder card

Chime Credit Builder Card - How it Works


3. Quick Access App - Chime bank app loads with incredible speed. The minute you tap on the green C app a window pops up requesting that you log into your account using fingerprint technology on your phone or by entering a passcode.

Since my smartphone device supports fingerprint technology I always use it to log into my account. The entire process takes less than one second and that is not an exaggeration. Having Green Dot & Amex Serve app on my phone as well, these apps take approximately a minute to log into my account. Even though Serve also has fingerprint technology the app just takes longer to load. So, yes I love how fast I can log into my Chime account.

Chime Bank Fingerprint Login

4. Referral Apps - Chime bank account actuallyย has a section in the dashboard with many other relevant apps regarding making and saving money. Apps referred includes Experian which offers to help you build credit, pay off housing loans, a college student saving plan, car insurance, cash back shopping, student loan, bill deduction and more.

Now you are probably saying "But Chime gets paid for those referrals", and you are probably right. However, other sites like Amex and even PayPal have offers that are less relevant to their members. Its usually something along the lines of saving $5 offย a brand, or saving XX amount when you dine with this restaurant or fly with this airline. It's decent but it doesn't help you financially. The offers in your Chine account will help your financial burden (supposedly).

I do not vouch for the companies in the offer section, I just like the idea that its about saving money, earning money, or making smaller payments to reach an end goal.

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ย Chime Bank Debit Card

Chime Bank Debit Card

We actually try the different financial products we discuss on our website, like the Bluebird card, Serve, Green Dot, Cash app, Cash card etc. We are excited that our Chime bank debit card has arrived in the mail and can't wait to write more in-depth information about our experience using the Chime Bank debit card. We'll keep updating this page as time goes on.

Chime Debit Card Shipping Time

Chime states that their shipping time is between 5-10 business days. Of course the shipping time can vary greatly depending on where you live in the US. We received our Chime debit card in 1 week (about 5 days). Your debit card will arrive in a slightly bright green envelope, you cannot miss it...unless you are used to receiving bright green envelopes in your mailbox.

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Chime bank debit card

Chime bank debit card

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