Chime Locations
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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.
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Chime: Get Started
Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
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.
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.
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.
Encounter any issues? You can reach out to Chime's support team.
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:
- Click the Get Started button on the top right of the page.
- Provide your personal information such as valid name, birth date, SSN, etc.
- 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.
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
Chime Second Chance Banking
- No monthly maintenance fee
- No overdraft fees
- No foreign transaction fees
- 50,000+ fee-free ATMs
Chime: Free Mobile Checking
Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
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 apps like Chime or national banks instead.
References
- ^ Chime. Free ATM Locations, Retrieved 02/15/2024
- ^ Chime. FAQ: Does Chime charge any fees?, Retrieved 02/15/2024
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 05/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
U.S. Bank Business Essentials - $400 Bonus
Promo code Q1AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.
Business Essentials: $400 bonus with $5,000 new money deposits, daily balance, and 6 qualifying transactions.
Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.
New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.
Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.
Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.
All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
Member FDIC
CIT Bank Platinum Savings - 3.75% APY
- 3.75% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
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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