Managing your Chime account starts with knowing where to add money to your Chime card. Unlike traditional banks, Chime partners with thousands of retail locations across the U.S., allowing users to deposit cash easily. Whether you’re near Walmart, Walgreens, CVS, 7-Eleven, or Dollar General, you can visit the cashier and load funds directly onto your card.
Chime also supports mobile check deposits, bank transfers, and direct deposits, making it simple to fund your account from various sources. If you rely on cash for daily expenses, knowing the best places and methods to deposit money ensures you can access your funds whenever needed. This guide breaks down all the available options, fees, deposit limits, and step-by-step instructions to help you add money to your Chime card hassle-free.
Can You Deposit Cash into a Chime Card?
Yes, you can deposit cash into your Chime card at thousands of retail partner locations across the U.S. Chime works with major stores like Walmart, Walgreens, CVS, 7-Eleven, and Dollar General, allowing users to add cash to their accounts with ease. Simply visit a participating retailer, hand your Chime debit card to the cashier, and provide the amount you want to deposit.
Where to Deposit Cash to Chime?
Chime does not have physical bank branches, but you can add money at over 90,000 retail locations. The most popular options include:
- Walmart
- Walgreens
- CVS Pharmacy
- 7-Eleven
- Dollar General
- Family Dollar
- Speedway
- Rite Aid
Cash Deposit Limits and Fees
- Retailers may charge a deposit fee, which typically ranges from $3.50 to $4.95 per transaction.
- Chime allows a maximum of three deposits per day, with a daily deposit limit of $1,000 and a monthly limit of $10,000.
- Funds are usually available immediately or within two hours, depending on the retailer.
Where Can I Add Money to My Chime Card?
You can add money to your Chime card at over 90,000 retail locations across the U.S. Chime has partnered with major stores where you can deposit cash directly at the register. Simply hand your Chime debit card to the cashier, provide the amount you want to deposit, and pay in cash. Your funds are typically available within minutes.
Retail Stores That Accept Chime Cash Deposits:
- Walmart
- Walgreens
- CVS Pharmacy
- 7-Eleven
- Dollar General
- Family Dollar
- Rite Aid
- Speedway
How to Add Money at Each Retailer:
- Walmart: Visit the customer service desk or MoneyCenter, provide your Chime card, and deposit cash. Fees range from $3.74 to $4.95 per deposit.
- Walgreens: Hand your Chime card and cash to the cashier. No deposit fee at Walgreens locations.
- CVS Pharmacy & Rite Aid: Deposits are accepted at the register with a processing time of up to two hours. Fees vary by location.
- 7-Eleven: Go to the cashier and request a cash deposit to Chime. Service fees apply, typically around $4.95.
- Dollar General & Family Dollar: Deposit cash at the checkout counter. Some locations have daily deposit limits.
- Speedway: Similar to other stores, provide your Chime debit card, pay in cash, and wait for confirmation.
Things to Know Before Depositing Cash:
- Deposit fees vary by retailer, typically between $3.50 and $4.95 per transaction.
- Daily cash deposit limit: $1,000. Monthly limit: $10,000.
- Funds are usually available instantly or within two hours.
- Use the Chime app to find the nearest cash deposit location and check fees.
How to Add Money to Your Chime Card at Retail Locations
Depositing cash into your Chime card is simple and can be done at thousands of partner retail locations. Here’s how to add money to your account step by step.
Step-by-Step Guide to Deposit Cash at a Retail Store:
- Find a Nearby Deposit Location – Use the Chime app to search for the closest participating store, such as Walmart, Walgreens, CVS, or 7-Eleven.
- Bring Your Chime Card and Cash – Make sure you have your Chime debit card and the amount you want to deposit.
- Go to the Cashier or Customer Service Desk – Tell the cashier you want to add money to your Chime card.
- Hand Over Your Card and Cash – The cashier will process the deposit and confirm the transaction.
- Get a Receipt and Check Your Balance – Keep your receipt for confirmation, and check the Chime app to ensure the funds have been added.
Using the Chime App to Locate Deposit Locations:
- Open the Chime mobile app.
- Tap on “Move Money”, then select “Deposit Cash”.
- The app will show nearby deposit locations based on your current location.
- Select a store, check any deposit fees or limits, and visit the location.
Typical Deposit Fees and Processing Time:
- Deposit Fees: Most retail locations charge a fee between $3.50 and $4.95 per deposit. Walgreens is fee-free.
- Processing Time: Deposits are usually available instantly but may take up to two hours at certain locations.
- Deposit Limits: Chime allows up to $1,000 per day and $10,000 per month in cash deposits.
Can I Add Money to My Chime Card at an ATM?
No, Chime does not support ATM cash deposits. While you can use fee-free ATMs to withdraw money, you cannot add cash to your Chime account using an ATM.
Alternative Ways to Add Money to Chime Without an ATM Deposit:
Since ATM deposits are not an option, here’s how you can fund your Chime card instead:
- Retail Store Deposits – Add cash at Walmart, Walgreens, CVS, 7-Eleven, and other Chime partners by handing your money to a cashier.
- Bank Transfers – Link an external bank account in the Chime app and transfer money via ACH. Most transfers take 1–3 business days.
- Direct Deposit – Set up payroll or government benefits deposits to receive funds automatically.
- Mobile Check Deposit – Use the Chime app to deposit paper checks by snapping a picture.
- Peer-to-Peer Transfers – Receive money from apps like PayPal, Venmo, or Cash App and transfer it to Chime.
Alternative Ways to Add Money to Your Chime Card
If you don’t have cash or prefer not to use retail deposit locations, there are several other ways to fund your Chime account. These methods allow for quick and seamless money transfers without extra fees.
1. Bank Transfers
You can link an external bank account to your Chime account and transfer money via ACH (Automated Clearing House) transfer. Here’s how:
- Open the Chime app and go to “Move Money”.
- Select “Transfers”, then link an external bank using your login details.
- Once linked, transfer money to your Chime card.
- Processing Time: Transfers typically take 1–3 business days.
- Fees: Free when initiated through the Chime app.
2. Direct Deposit
Setting up direct deposit is one of the fastest ways to receive money in your Chime account. You can have your paycheck, tax refund, or government benefits deposited directly into your Chime card.
- Find your Chime routing and account number in the Chime app.
- Provide these details to your employer, benefits provider, or tax agency.
- Once set up, money will be deposited automatically on payday.
- Processing Time: Funds arrive up to two days earlier than traditional banks.
- Fees: Free with no hidden charges.
3. Mobile Check Deposit
If you have a paper check, you can deposit it using the Chime mobile app.
- Open the Chime app and select “Mobile Check Deposit”.
- Take clear photos of the front and back of the check.
- Submit it for processing.
- Processing Time: Instant or up to five business days, depending on check type.
- Fees: Free for eligible users.
4. Peer-to-Peer Transfers (Venmo, PayPal, Cash App, Zelle)
If you use Venmo, PayPal, Cash App, or Zelle, you can transfer money from these services to your Chime card.
- Venmo & Cash App: Add your Chime card as a payment method and transfer funds instantly.
- PayPal: Link your Chime bank account and withdraw money to it.
- Zelle: If your bank supports Zelle, send money to your Chime-linked account.
- Processing Time: Instant to 1–3 business days (depending on service).
- Fees: May vary by platform (some offer free transfers, others charge for instant deposits).
How Long Does It Take to Add Money to Chime?
The time it takes for money to appear in your Chime account depends on the deposit method. Some options, like cash deposits at retail stores, are instant, while bank transfers and mobile check deposits may take a few days.
Processing Time for Each Deposit Method:
Cash Deposits at Retail Stores
- Funds are available instantly or within 2 hours after depositing at Walmart, Walgreens, CVS, or other Chime partner locations.
- Deposit fees may apply, typically between $3.50 and $4.95 per transaction.
Bank Transfers & ACH Deposits
- When transferring money from an external bank account, it takes 1–3 business days for the funds to clear.
- Some banks process ACH transfers faster, but weekends and holidays may cause delays.
Mobile Check Deposits
Processing time depends on the check type:
- Payroll or government-issued checks: Instant or up to 1 business day.
- Personal and other checks: Up to 5 business days for full deposit clearance.
- The Chime app notifies you once the check is approved.
Direct Deposits from Employers
- Payroll deposits arrive up to 2 days earlier than traditional banks.
- Funds are released as soon as Chime receives payment from your employer.
Are There Fees for Adding Money to Chime?
Adding money to your Chime card may come with fees depending on the deposit method. While some options are free, others require a small service charge.
Cash Deposit Fees at Retail Stores
Most retail locations charge a fee when you deposit cash at the register. The fee typically ranges from $3.50 to $4.95 per deposit, depending on the store.
- Walgreens: No deposit fee when adding cash.
- Walmart, CVS, 7-Eleven, Dollar General: Fees vary by location, usually $3.74 to $4.95.
- Rite Aid, Family Dollar, Speedway: Standard fees apply based on store policy.
Free Deposit Options
If you want to avoid deposit fees, use these free alternatives:
- Bank Transfers: Moving money from an external bank account to Chime via ACH transfer is free but takes 1–3 business days.
- Direct Deposit: Setting up a paycheck or government benefits direct deposit is completely free and allows funds to arrive up to 2 days early.
- Mobile Check Deposit: Depositing a paper check through the Chime app is free for eligible users.
- Peer-to-Peer Transfers: Sending money from Venmo, PayPal, or Cash App to Chime has no additional charges unless using instant transfer features.
What Are the Limits for Adding Money to Chime?
Chime has daily and monthly limits for adding money to your account. These limits apply to cash deposits, bank transfers, and direct deposits to ensure secure transactions.
Chime Cash Deposit Limits
If you’re adding money at Walmart, Walgreens, CVS, or other retail stores, these limits apply:
- Daily Limit: $1,000 per day
- Monthly Limit: $10,000 per month
- Transaction Limit: Maximum of three cash deposits per day
Tip: If you reach your limit, consider using bank transfers, mobile check deposits, or direct deposit as alternative funding methods.
Bank Transfer Limits
- There are no strict limits on incoming transfers from external bank accounts, but your external bank may set limits on how much you can send at a time.
- Transfers usually take 1–3 business days to process.
Direct Deposit Limits
- Chime does not impose a maximum limit on direct deposits.
- Payroll and government benefit deposits are added instantly once received, and users can get paid up to two days early.
How to Check Your Chime Deposit Limits
You can find your personalized deposit limits in the Chime app:
- Open the Chime app and go to “Move Money.”
- Select “Deposit Cash” to see your daily and monthly cash deposit limits.
- For bank transfers and direct deposits, check with your external bank or payroll provider for specific limits.
Common Issues & Troubleshooting Tips
If your Chime deposit isn’t showing up, there may be a delay due to processing times, store policies, or Chime system updates. Here’s how to troubleshoot and resolve common deposit issues.
1. Deposit Not Showing Up in Chime Account
If you added money to your Chime card but don’t see it in your account, follow these steps:
- Check Deposit Timeframes – Cash deposits at retail stores usually process instantly or within 2 hours, while bank transfers and mobile check deposits may take 1–5 business days.
- Confirm with the Retailer – If you deposited cash at Walmart, Walgreens, CVS, or another store, ask for a receipt and verify that the deposit was successfully processed.
- Check Your Chime Balance – Open the Chime app and refresh your transaction history to see if the funds have been credited.
2. Chime App Errors or Maintenance Delays
Sometimes, Chime may experience temporary maintenance or system delays. If you suspect an issue:
- Update the Chime App – Ensure you have the latest version of the Chime app installed.
- Check for System Outages – Visit Chime’s official status page or check Chime’s social media accounts for updates on any ongoing issues.
- Log Out and Back In – A quick app refresh can sometimes resolve display errors.
3. Contacting Chime Customer Support
If your deposit is still missing after the expected timeframe, contact Chime support for assistance.
- Call: 1-844-244-6363 (Available 24/7)
- Email: support@chime.com
- Chime App Chat: Go to Settings > Help > Contact Support
FAQs
Can I add money to my Chime card at Walgreens for free?
Yes, Walgreens offers free cash deposits for Chime users. Simply visit any Walgreens location, hand your Chime card and cash to the cashier, and the deposit will be processed without any fees. Funds are usually available instantly or within minutes.
Is there a limit to how much I can deposit to Chime in a day?
Yes, Chime has deposit limits:
- Daily limit: $1,000 per day
- Monthly limit: $10,000 per month
- Transaction limit: Maximum three deposits per day
If you need to deposit more, consider using bank transfers or direct deposit, as these methods do not have set limits from Chime.
Can I transfer money from PayPal to Chime?
Yes, you can transfer money from PayPal to Chime by linking your Chime bank account in PayPal.
- Go to PayPal > Wallet > Link a Bank
- Enter your Chime routing and account number
- Transfer funds from PayPal to Chime (takes 1–3 business days)
For instant transfers, use your Chime debit card in PayPal (fees may apply).
Why isn’t my deposit showing up in my Chime account?
If your deposit isn’t showing up, it could be due to:
- Processing delays – Cash deposits take up to 2 hours, while bank transfers and mobile check deposits can take 1–5 business days.
- Retailer issues – If you deposited cash at a store, check with the cashier and keep your receipt.
- Chime system maintenance – Check for app updates or system notifications.
If the deposit still hasn’t arrived, contact Chime support at 1-844-244-6363 or through the Chime app chat.
Are there any hidden fees when adding cash to my Chime card?
Chime itself does not charge fees, but some retail stores do. Cash deposit fees typically range from $3.50 to $4.95, except at Walgreens, which is free. Always check the Chime app for nearby deposit locations and their fees before adding cash.
Conclusion
Adding money to your Chime card is simple and convenient with multiple options available. You can deposit cash at over 90,000 retail locations, including Walgreens, Walmart, CVS, and 7-Eleven. For a fee-free option, Walgreens allows free cash deposits.
If you prefer a digital transfer, you can link an external bank account, set up direct deposit, or use mobile check deposits through the Chime app. Each method has different processing times, so choosing the best one depends on how quickly you need access to your funds.
To find the nearest deposit location, open the Chime app, tap “Move Money”, and select “Deposit Cash”. This will show nearby stores, deposit limits, and any fees. Always check your balance after depositing to confirm your funds are available.
For the fastest and most cost-effective way to add money, consider using direct deposit or fee-free cash deposits at Walgreens.