The Chime debit card is a no-fuss alternative to a conventional debit card1. The ease of use can’t be matched: It comes without any minimum balance requirements or monthly account fees.
While most of the information about the Chime card is present on its designated page on the website, not every method of loading money onto it is detailed there.
You might be wondering: where can I load my Chime card? In this guide, you’ll find the answer to this question and learn about deposit restrictions.
Where Can I Load My Chime Card?
Chime’s deposit partners have over 90,000 retail locations all across the country. Some commonly known retailers include CVS, 7-Eleven, Walgreens and Walmart.
You can simply go up to the cashier and tell them to deposit the amount into your spending account2. Each Chime user can make three deposits in a 24-hour period.
Additionally, you cannot deposit more than $1000 every 24 hours, while the monthly deposit cap is $10,000.
Good To Know
If you use third-party money transfer services to add funds to your Chime card, you may have to abide by their specific limits, such as monthly, weekly or daily limits on the amount you can add to your account. Moreover, they may charge additional transaction fees.
It’s also important to note that your funds are only FDIC insured once they have reached Chime. When you add them from a third party to your card, they are not insured until Chime processes your deposit.
Chime Deposit Partners
Here are the Chime deposit partners that accept cash deposits:
- Family Dollar
- Dollar General
- Duane Reade
- Rite Aid
- Holiday Station Stores
- Pilot Travel Centers
- Circle K Stores
- GPM Investments
- Royal Farms
- Cumberland Farms Corp
- Sheetz Incorp
- TA Operating LLC (TravelCenters of America)
- Kwik Trip Inc
- Krause Gentle (Kum & Go)
How To Load Your Chime Card at CVS
Loading your Chime card at any Chime deposit partner is pretty much the same, except for the transaction fees and transfer times. Here’s how to load your Chime card at CVS.
Find a CVS Store
Start by finding a CVS store near you. If you’re unsure of the nearest location, you can find it using the CVS store locator or the Google map below.
The tool will also give you directions to the store and detail its hours of operation.
Load the Money
Once you are in the store, go to any cashier and give them your Chime card. Then, hand them the amount you want to add to your card.
Pay the Fee
Every retailer has a different fee for loading your Chime card. The cashier will tell you the fee depending on the amount you’re adding to your card.
If you’re visiting a location for the first time, it’s best to ask the cashier about the fees beforehand since they may differ between states.
How to Load Your Chime Card at Walmart
Just like CVS, you can find your nearest Walmart by using the Walmart store finder or the map below.
The results will show the stores closest to you, along with their addresses and hours of operation. You can also get directions from the locator.
After going into the store, go to the MoneyCenter counter or the customer service desk and ask the cashier to load the amount onto your Chime card.
Walmart charges a transaction fee of $3.74 or less for each card load. When adding money to your Chime card, you will see the funds in your account within two hours of making a deposit.
How Long Does It Take for the Money To Show In Your Account?
Chime claims that the users will see the money transferred to their accounts in just two hours. Whether you’re using CVS, Walmart or any other of Chime’s deposit partners, the time it takes for the funds to reflect in your account balance will be the same.
Once you make a transaction, Chime will send you a notification on the mobile number you used to set up your account letting you know the money is available.
You can also log in to your Chime mobile app and check the account balance two hours after loading your card.
Third-Party Retailer Transaction Fees
Chime makes it very clear that there might be additional transaction fees at third-party retailers when you load your card. These fees are not decided by Chime and are instead set by the retailers.
Before going to a retailer, you can check the fee they charge for each transaction. Here’s how to do it:
- Open your Chime mobile app and sign in to your account.
- Tap the “Move Money” tab.
- Tap “Deposit Cash.”
- In the next window, you will see an option to “See Locations Near Me.”
- Tapping on this will show you the available retailers in your area.
- To see their transaction fees, tap the “info” icon next to the retailer’s name.
Typically, retailers will charge you less than $5 for loading your card. However, the final charges will differ depending on the amount you deposit into your account.
Other Ways to Load Your Chime Card
If you do not want to go to a physical store, you can transfer money to your Chime card from another major bank.
This option is available if you have an account in one of these banks:
- Bank of America, Member FDIC
- Capital One
- Charles Schwab
- Navy Federal
- PNC Bank
- TD Bank
- U.S. Bank
- Wells Fargo.
Open the Chime mobile app and log in to your account. Go to Move Money and select Transfers. Then, enter the username and password for your bank account.
Now you can transfer money to your Chime card. The limit for this type of transfer is $25,000 per month, $10,000 per day. However, the transfer time is longer as compared to cash deposits; it takes five days for bank account transfers to be available on your Chime card.
If you want to enjoy hassle-free and quick access to your funds, you can load your Chime card from any retailer mentioned in this guide.
More on Chime Bank
This article has been updated since its original publish date.
Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.
1Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
2Once the retailer accepts your cash, the funds will be transferred to your Chime Checking Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.