Does Chime Work With Zelle? How to Setup Chime to Work With Zelle

You can now use Zelle with the Chime Banking app. Find out how to setup Chime to work with Zelle.
Ketcha Brandon
Does Chime Work With Zelle

Zelle if one of the most well known payment applications in the United States. It is a secured, convenient, and fast to process and send money between users. Chime too is a popular banking application and individuals often ask to know if; does Zelle work with Chime?, Does Chime use Zelle? Can I Use Zelle with Chime?

Of course, Chime works with Zelle, but not directly.

If you are used to both applications, then you should know that it is actually easy to merge them to make Zelle Chime transfers.

As earlier said, Chime and Zelle are two popular financial apps that allow you to easily manage your funds online and to conveniently send and receive money online without any issue arising.

Zelle particularly, is a service that lets you transfer money across banks. Funds can be moved from one bank to another, or it can be transferred between individuals.

On the other hand, if you are in search of a financial institution that offers a variety of fee-free banking products, including no-minimum balance checking accounts, then you should go for Chime.

With Chime, you can enjoy a cash advance feature known as Chime SpotMe which allows customers to borrow money from the platform.

Though there is no limit on how much can be stored in a Chime checking account, you can only spend as much as you deposit into the account.

This features actually protects you from overcharging and having high credit card utilization rates on your credit record.

If you notice that Zelle does not work with Chime, then you must follow the corresponding steps in order to link both applications and execute the transactions correctly.

In this article, we'll explore the compatibility of Chime and Zelle, shedding light on their integration and how users can leverage both services for their financial needs.

Table of Contents

What is Zelle and How Does It Work?

Zelle is a popular digital payments platform in the United States that enables users to send and receive money quickly and securely through their banking app or online banking platform. It is a peer-to-peer (P2P) payment system that allows users to transfer funds directly to friends, family, or anyone else who has a bank account within the Zelle network.

The platform was developed as a collaboration between major American banks, including Bank of America, Wells Fargo, JPMorgan Chase, and others. Zelle offers a convenient way to send money, split bills, or make payments for various purposes, such as rent, utilities, and shared expenses.

To use Zelle, you typically need a bank account with a participating financial institution. Many major banks and credit unions in the United States now offer Zelle as a feature within their mobile banking apps or online banking services. Users can link their bank account to the Zelle platform, and once set up, they can send money to anyone with a bank account within the Zelle network using just their email address or mobile phone number.

How Does Zelle Work?

It is obvious that you cannot use a service without having a proper idea on the it works.

Zelle is a money transfer service and way it works can be comparable to other money transfer apps such as Venmo since they are all based on a peer-to-peer payment scheme.

Zelle can be said to be more unique since it allows you to transfer money between banks in just a matter of minutes.

In order to speed up payments between U.S bank accounts, Zelle makes use of the Automated Clearing House (ACH).

What to Know About Chime

Chime is a financial institution that provides customers with banking services. Chime does not have any physical locations where clients can transact. Meaning that all of its transactions are completed on the internet. This was established in the year 2013 to provide individuals with banking alternative.

Due to the fact that today's younger generation are so lazy or busy to visit any banks, Chime saw a chance to fill a gap in the market. This was a new way to sell their services to the younger demographic because all of the banking is done online.

With Chime, you can enjoy a variety of services including bank and savings accounts, as well as credit cards. Chime is jointly owned by Bancorp Bank and Stride Bank, with Chris Britt being the CEO and Ryan King being the CTO - Chief Technology Officer.

Together they founded the company in San Francisco, California. In the year 2019, Chime was valued at approximately $6 billion and was expected to bring in about $200 million in income from as estimated 6.5 million account holders that same year.

According to, The valuation of the U.S.-based neobank Chime increased considerably between 2018 and 2022. Starting from a value of less than a billion U.S. dollars in 2018, Chime reached a value of 25 billion U.S. dollars in 2021. In 2022, the value of Chime remained unchanged.

Now that we have idea of both apps, let us dive into knowing how both companies work individually and collectively for the well being of their customers.

ALSO READ: Can I Use Zelle To Send Money to My Other Bank?

Understanding Chime and Zelle Compatibility

Chime is an online banking app which makes use of technology to serve you with all the services which you can obtain from a traditional bank.

It is actually a financial technology business, not a bank, that provides banking services in collaboration with two banks; The BanCorp Bank and Strides Bank.

While Zelle is a totally free money transfer service owned by "Early Warning Services", but controlled by a consortium of seven banks namely Bank of America, Wells Fargo, JP Morgan Chase and many others.

With Zelle, you are able to transfer money between two U.S bank accounts in less than no time.

You should be able to use a Chime Account with Zelle because chime is effectively tied to a US based bank account given by the BanCorp Bank or Strides Bank.

In order to use Zelle with Chime, you must first of all download the Zelle app and then add your Chime account or Chime debit card as a payment option within Zelle.

Does Chime Work With Zelle?

No, there is no built-in feature in the Chime app for using Zelle, which means that you cannot directly use Chime with Zelle.

This is because Zelle only supports banks with physical locations for now.

By connecting your Chime Debit Card to Zelle, you can make use of the Zelle money transfer service to move money from your Chime Account.

However, several users have recently reported having trouble linking Chime Debit cards to Zelle.

So Zelle has been rejecting chime card due to the fact that it is classified as a prepaid card and we all know that Zelle does not work with prepaid cards.

This is actually a new change in categorization because Zelle previously allowed you to add a Chime Debit Card. User who have their Chime debit card lined to Zelle can still enjoy this feature.

As I earlier said here, Zelle can only be used with banks that have physical locations, simply referring to traditional banks.

ALSO READ: What Banks Use Zelle? List of Local & Online Banks That Use Zelle

How to Setup Chime to Work With Zelle?

Making use of Zelle with your bank account is a fast and simple process but it differs a little from banks that have built-in Zelle compatibility.

Below are the steps to follow in order to setup chime to work with Zelle

1. Download and Install the Zelle App on Your Phone

Of course the very first thing you need to do is to download and install the Zelle app on your mobile device. With respect to the device that you have, you can either get it from Apple App Store, or Google Play Store if you have an Android device.

2. Open an Account With Zelle

Once you have installed Zelle on your mobile device, you will have to create a free account through Zelle app. You need a U.S phone number or email address for verification.

3. Find Your Bank

You will required to find your bank. Where you see "Where do you bank?" type "Chime". Do not worry since the Chime bank will not appear in the search results. This is quite normal and you should expect it. To go ahead, choose "Don't see your bank?.

4. Add Your Chime Debit Card

On the screen that comes next, you will be asked to add a debit card. Now you have to enter your Chime debit card number since you want to use Zelle with your Chime account.

5. Choose a Password

In order to finalize the linking process, you will have to add a password which will help secure your account.

Alternative Way to Setup Chime to Work With Zelle

Another option which you have is for you to link your Chime account to a bank account that has the Zelle App, such as Chase, Bank of America or Wells Fargo.

Below are the steps to follow in order to link and external bank account to your Chime Spending account.

  • Log into the Chime App.
  • Navigate to "Settings"
  • Click "Link a Bank Account", now select one of the banks mentioned.
  • Enter the login details for your other bank.

From here now, money can be transferred to Chime from an external bank account.

It is stated on the Chime website that such transactions can take up to 5 business days to complete. So if you need the money urgently, do not consider using this option.

How to Send Money From Zelle to Chime

Once your accounts have been activated, you can follow the steps below in order to transfer money from Zelle to Chime:

  1. Log into your Chime bank account via the website or app.
  2. Add a bank account to your Zelle acount.
  3. Now, go to "Move Money".
  4. Click  "Transfers".
  5. Select your bank account and then send the funds to it.
  6. As soon as the funds reflect in your bank account, you can add them to your Chime account directly.

ALSO READ: What Online Stores Accept Routing and Account Number

How to Send Money From Chime to Zelle

Linking your debit card details to Zelle will let you send money from Chime to Zelle.

You are able to link your Chime debit card to Zelle by entering your Chime account debit card number, expiry date, and CSC and then completing the setup process.

You can request money from card to add to your Zelle balance as soon as it has been linked successfully.

How Long Does It Take to Transfer Money From Chime to Zelle and Vice Versa?

It is has been said in this article that Chime does not work with Zelle because it is not a traditional bank, and because of this, the transaction takes longer than sending money between two standard banks. The money transfer from Chime to Zelle might take a few business days to finalize.

Using Zelle, a typical bank may be able to move thousands of dollars every week across accounts. Money transfer limits of $1,000 are set by USAA and PNC, for example. Wells Fargo, Citibank and TD Bank have a $2,500 limit, and Bank of America allows you to transfer $3,500 in 7 days.

Are the Fees For Using Chime for Zelle?

Both Chime and Zelle do not charge their customers with transaction fee instead, each financial company makes money by offering supplementary goods such as car loans and mortgages.

The banks that make use of Zelle in particular, own it. As a result, they regard it as a way to make simple money transactions across multiple institutions rather than a way to earn.

Many other peer-to-peer funds transfer platforms such as Venmo or Cash App will levy fees for instant withdrawals or credit card transfers. And these fees can often be as high as 3% of the transfer amount which can be quite much as the transfer money becomes large.

Troubleshooting Chime and Zelle Setup: What to Do If You Have Issues Setting Up Chime to Work With Zelle

The easiest way to overcome issues with Chime and Zelle is to contact their customer support directly or to browse their websites and check the Frequently Asked Questions section which might answer the question to your problem.

Chime have a support page where you can obtain answers to your questions.

Chime also offers an FAQ section where each and everyone can look for answers. You can also reach out to their customer support team directly by emailing or calling 1-844-244-6363.

Zelle also features an FAQ website where customers can look for answers to their questions. You can navigate to this website and pick the other tab to leave a written message for Zelle. Do not forget to provide your name, email address, phone number and a message. In two business days, Zelle will react to your problem. In case you choose to reach out to them via phone, then here is Zelle phone number; 844-428-8542.

Final Thoughts: Does Chime Work With Zelle?

While Chime does not have a direct integration with Zelle like some other banks do, Chime users can still use Zelle by linking an external bank account that supports Zelle's functionality. By integrating an external bank account, Chime users can take advantage of Zelle's widespread network for seamless and secure peer-to-peer money transfers.

Remember, before initiating any transfers or linking external bank accounts, it's essential to review the terms and conditions of both Chime and the external bank. This ensures compliance with their respective policies and that users fully understand the features and functionalities associated with these services.

With this integration approach, Chime users can effectively utilize Zelle alongside their Chime banking experience to enhance their ability to send and receive funds conveniently.

Please note that service features and integrations are subject to change, so it's recommended to stay updated with the latest information from Chime and Zelle or consult their respective customer support for any specific inquiries.

Frequently Asked Questions

Can I connect Zelle to Chime?

Unlike many banks, Chime does not integrate with Zelle. Chime has its own proprietary money transfer service, which means that Chime customers cannot directly use Zelle in the Chime app to receive or transfer money.

What cards work with Zelle?

Enroll your mobile number and Visa® or Mastercard® debit card so you can start sending and receiving money.

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About the Author

Ketcha Brandon
I am Ketcha Brandon, An article writer, content creator, Video producer, Financial Consultant and a certified Google Publisher. I write content for Our website provide information on topics such as bank accounts, Money transfers,…

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