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Does Chime® Work with Zelle? (2022 Complete 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 at no cost to you.

Hey Chime Users!

Are you wanting to use your Chime account with Zelle to send and receive money?

Unfortunately…

There is NO current way to use Zelle with your Chime account (at least not one that works for everyone).

In the past, some users reported they could use their Chime debit card with the Zelle app itself.

For me, it doesn’t work but you’re welcome to try by following the steps below.

Otherwise, a good alternative for using Zelle with Chime is to use Cash App with your Chime account to send and receive money.

You can also use the free Chime Pay Anyone feature to send money to or request money from anyone – even if they don’t have a Chime account.

Does Chime Work With Zelle
Does Chime Work With Zelle? Image: ©vectorfusionart/123RF.COM

Can Someone Use Zelle to Send Money to My Chime account?

You can’t use Zelle with Chime to send or receive money (at least for most people it doesn’t work including me).

So for the time being, others shouldn’t try to Zelle money to your Chime account.

RELATED: Chime SpotMe Questions Answered!

How to Set Up Chime to Work With Zelle (Step-By-Step)

Important: In most cases, using Chime with Zelle won’t work any longer.

Some users have reported they can get it to work with the Zelle app but I haven’t had any luck.

You’re welcome to try by using the steps below.

1) Download and Install the Zelle app

To use Zelle with your Chime account, you need to first download and install the Zelle app for your device. The Zelle app is available for free for both Android and iOS.

2) Set Up a Free Account

Once you have Zelle installed on your device, you then have to set up a free account in the Zelle app. To do this, it will ask you for your Mobile Number. Then click “Continue“.

3) Find Your Bank

You will be prompted to Find Your Bank. Type in “Chime” where it says “Where do you bank?“. Don’t worry, you won’t actually find that Chime comes up in the results. This is normal and expected. Click on “Don’t see your bank?” to continue.

4) Add a Debit Card

On the next screen, you’ll be prompted to add a debit card. Since you are wanting to use your Chime account with Zelle, you’d use your Chime debit card number. Once you have done so, click “Continue”.

does Zelle work with chime step 2

5) Choose a Password

Finally, choose a password to use with your new Zelle account.

How Fast is Zelle Payments Sent Using Chime?

The biggest drawback to using Zelle with Chime is due to the fact Chime isn’t natively supported currently and because of that, you have to use your debit card to send payments.

This means that your payments aren’t sent as quickly as normal payments through Zelle are sent.

Instead of being nearly instant, the payments can take a few business days to process.

Despite that, this is still your best option for using Zelle with your Chime account.

RELATED: Chime Depost Questions Answered!

Are There Fees for Using Chime with Zelle?

There are no fees for sending money using Zelle with Chime or with most other platforms for that matter.

So how does Zelle actually make any money? Good question, take a look at our recent article where we researched how Zelle makes money.

Woman using Zelle with her smartphone.

What Is the Transfer Limit for Using Chime With Zelle?

Since you have to use the Zelle app with your Chime account to send others money, the weekly transfer limit is currently $500. At this time, there is not a specific daily transfer limit as long as you aren’t trying to send more than $500, you should be fine.

RELATED: Does Chime Work with Facebook Pay?

What to Do If You Have Issues Setting Up Chime to Work With Zelle

If you can’t get Zelle to work with your Chime account (like most people), you can always try to contact support for each to ask if there is a way that they know of.

To contact Zelle support:

To contact Chime support:


Wrapping Up – Does Chime Work With Zelle?

  • For most people, it isn’t possible to use Zelle with your Chime account. Some have reported having luck using their Chime debit card with the Zelle app itself but I’ve never had it work for me.
  • A good alternative is to use Cash App with your Chime account to send and receive money.

References

  1. https://help.chime.com/hc/en-us/articles/224860707-How-do-I-contact-Chime
  2. https://www.zellepay.com/support/contact

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