Adding Physical Cash to Chime (Complete 2022 Guide)

Disclaimer: This content is not intended to be financial advice and is for informational purposes only. aTimeforCash is reader-supported. We may earn commissions if you buy through our links.

Were you aware that Chime is not‌ ‌a‌ ‌bank?

Since Chime offers checking and savings accounts, many people don’t realize it isn’t considered a bank. ‌In contrast, Chime is a financial company providing banking services through its partner‌ ‌institutions.

The best thing about Chime is with the Chime card, you can easily spend and withdraw money as if you’re using a real bank. But, what about adding money to your Chime account?

Is this even possible since it’s not technically a bank? And if so, how do you even add money to your Chime account?

These are common questions Chime users often have when they have physical money and want to put it into their account. In this guide, you’ll learn everything you need to know when adding physical cash to chime.

In This Post:

Can I add Cash to my Chime Account?

Yes, you can add physical cash into your chime account. The process of doing so is pretty straightforward. Here’s how you do it:

  • Go to one of Chime’s retail partner stores
  • Head to a cashier and tell them you would like to deposit money into your Chime’s account

Once you tell the cashier what you’re trying to do, they will ask for details about your account and routing number. If you don’t know what they are, you can look on your app to find the details.

Also, here’s a list of some of Chime’s retail partner stores where you can go to deposit cash into your account:

  • 7-Eleven
  • Circle K
  • CVS
  • Dollar General
  • Family Dollar
  • Rite Aid
  • Walgreens
  • Walmart

Most gas stations provide services for you to deposit cash into your Chime account. If you’re having trouble finding one, I provide steps to help you find locations in your area in the next section.

How to See Locations I can Deposit Cash into my Chime Account?

Finding locations on where to deposit cash into your chime account is easy. But, it’s a headache when you live in a rural area. You might find only one location that’s two hours away, which sucks, but at least you know where you can deposit cash now.

This is how you can find locations:

  • Go to your Chime app and tap on it to open your account
  • Look at the bottom right of your screen, and you’ll see “ATM”
  • Tap on the “ATM” icon

Once you tap on the icon, Chime will pull up a list of places where there are ATM locations within your area. If there’s an ATM at a store, then more than likely you can deposit cash there into your Chime account as well.

Another way you can do it is by Google, “chime cash deposit locations near me” and you can find where you need to go to deposit cash into your account. See, it’s this easy!

If you’re still not sure if a place allows you to deposit cash into your chime account, it’s best to make a quick call to see if they do. This way you’re not driving two hours away and wasting gas.

How to Add Cash to my Chime Account (Step-by-Step)

The steps to adding cash into your chime account are simple, and I have already shown you how. But, I’ll show you again so you can remember.

First, you go to one of the retail locations that provide these services. For example, Walgreens is a store you can go to add cash into your chime account.

Next, tell the cashier you would like to add physical cash into your chime account. The cashier will ask you to provide details of your account and how much you’ll be adding to your account.

Provide the cashier with all of the details and the money. After that, the cashier will handle the rest.

Can I Deposit Cash into my Chime Account at an ATM?

No, you can’t deposit cash into your chime account at an ATM.  It would be nice if you could add cash into your account this way.

But, I’m guessing due to safety reasons, Chime does not allow for cash deposits to be done this way. Maybe in the future, Chime will change its mind about. But for now, you have to go to a partner retail location to deposit cash into your account.

Are Chime Cash Deposits Instant – How Long Do They Take?

Sadly, another hard no on this question. The cash deposits do not hit your account instantly.

Cash deposits should reach your account within‌ ‌three‌ ‌business‌ ‌days. But, once the deposit makes it to your account, you can do whatever you want with it.

Are There Fees When Depositing Cash into my Chime Account?

Most cash deposit locations do come with a $4.95 fee. So, it’s important for you to keep this in mind when you’re depositing cash into your Chime account.

The only place I know of that allows free cash deposits is Walgreen. Another benefit of using Walgreen is that the cash deposit hits your account instantly.

I’m not sure why Walgreens is the only place that does, but if you need to deposit cash into your Chime account, it’s best to go to Walgreens.

Are There Limits to How Much Cash I can Deposit on Chime?

Yes, there are limits you need to know about when it comes to depositing cash into your Chime account. You can only deposit cash into your account three times per day.

Also, the cash limit is $1,000 per day. The monthly cash deposit limit is $10,000 a month. Once you hit the daily amount, you have to wait a full 24 hours to deposit any more cash into your account.

For example, if you deposit your cash into your account at 6:00 P.M. on a Thursday, you have to wait until 6:00 P.M. Friday to add more cash. This is so you don’t make the mistake of going to the store the next day as soon as it opens. If it’s not a full 24-hour time limit, you won’t be able to add more cash to your account.

Can You Deposit Cash on a Chime Credit Builder Card?

You cannot add physical cash to your Chime Credit Builder Card. Put the money on your debit card and then put it on your builder card.

You can find all the answers to the most common questions about Chime Credit Builder Card here.

Wrapping Up

As you can see, adding physical cash to your Chime account is pretty easy. You simply need to go to a retail location and tell the cashier that you want to make a deposit into your Chime account.

But wait! What about depositing a check into your Chime account? It’s ok, I have you covered. If you have any concerns, read the next post: 11 Chime Check Deposit Questions.



No More Waiting in Limbo. Get Paid up to 2 Days Early with Direct Depositˆ.