May 7, 2024

Chime Locations

Read more about Chime
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Chime is a popular fintech company with no physical branches. But how do you access your money? Keep reading to find out.

Does Chime Have Physical Locations?

Chime has no physical branches or locations. But you can still access your money through its widespread ATM network and top-rated mobile banking app.

Chime ATM Locations

Chime users are given access to over 60,000 fee-free ATMs. This includes MoneyPass ATMs in 7-Eleven, Allpoint, and Visa Plus Alliance ATMs.

You can also find these in-network ATMs at popular stores like Walgreens, Target, Circle K, and CVS Pharmacy.

Check out this ATM finder or use the Chime app to discover ATMs near you!

Chime Mobile Banking

Chime offers a highly-rated mobile app that's a convenient platform for your banking needs. With the Chime app, you can access the following features wherever and whenever you want:

  • Send and receive money
  • Check your balance
  • Set and receive alerts
  • Track and pay bills
  • Find an ATM
  • Set up direct deposit
  • Make a mobile check deposit
  • Use mobile payment platforms

Thus, you can easily manage your account, even without going to a physical branch.

Is Chime a bank?
Chime is not a bank, but it works with regional banks to provide banking products and services. At present, they are partners with The Bancorp Bank, NA, and Stride Bank, NA.

Apart from the means mentioned in the bullet points, you might ask, are there other ways to fund your account?

How do I fund my Chime account?

There are multiple ways you can fund your Chime account, such as external bank transfer, mobile check deposit, check deposit, and cash deposit.

You can deposit cash for free at over 8,500 Walgreens nationwide. Or you can add money at 75,000+ stores like Walmart, CVS, 7-Eleven, and more, potentially for a small fee.[1]

All you need to do is go to the cashier, hand them your money, and present your Chime Visa debit card or show your barcode using the Chime app. They will be the ones to process the deposit for you.

Your funds should be available within a few minutes, but in some cases, it can take up to 2 hours.

Encounter any issues? You can reach out to Chime's support team.

How do you typically deposit money into your Chime account?

Chime Customer Support

While Chime doesn't have physical branches, you can still get in touch with them through the following:

  • 24/7 hotline at +1-844-244-6363
  • 24/7 chat via the Chime mobile app

Keep in mind that you can only use Chime's live chat feature on the app, not the website.

More About Chime

Chime is a well-known fintech company founded back in 2012. It is currently headquartered in San Francisco with some offices in Chicago and Vancouver.

Chime's main goal has always been to provide simple and cost-free banking and payment services. Thus, they keep it simple with just three products in their catalog: checking, savings, and credit.

Pros and Cons of Chime

Pros

  • No monthly service fee
  • No minimum balance
  • No overdraft fee
  • No foreign transaction fee
  • Access to 60,000+ fee-free ATMs.
  • 24/7 customer support
  • Cash deposit available at thousands of retail locations
  • FDIC-insured

Cons

  • $2.50 out-of-network ATM fee[2]
  • No joint accounts
  • Possible fees for cash deposit

How to Open a Chime Account

You can conveniently open a Chime account from the comfort of your home. Just go to their website and follow these steps:

  1. Click the Get Started button on the top right of the page.
  2. Provide your personal information such as valid name, birth date, SSN, etc.
  3. Download the Chime app and fund your account

If you're opening a checking account, you will receive your Chime Visa debit card in the mail within 7-10 business days.

Is Chime safe?
Yes, Chime is a safe and legitimate company that provides financial products and services. They partnered up with The Bancorp Bank, NA, and Stride Bank, NA to offer accounts that are FDIC-insured up to $250,000 per depositor.

Chime Offers


What feature do you value most in Chime's services?

Bottom Line

Chime stands out as a leading neo-bank, even without traditional branches. They provide excellent banking products and services through a user-friendly mobile app and a wide network of ATMs.

With Chime, accessing your funds and managing your account is hassle-free and convenient. But if having a physical location is your priority for a bank, you can check out national banks instead.

References

  1. ^ Chime. Free ATM Locations, Retrieved 02/15/2024
  2. ^ Chime. FAQ: Does Chime charge any fees?, Retrieved 02/15/2024
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Darlene Santos is a research analyst at CreditDonkey, a bank comparison and reviews website. Write to Darlene Santos at darlene.santos@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

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