Chime accounts can be linked with external bank accounts through the services provided by Plaid.
You can link your external account to your Chime account as long as the external bank is supported by Plaid and the name associated with the other account matches your name on your Chime account.
Transfer money from an external account
You can link an external account that you own to your Chime Checking Account. To do that, follow these steps:
- Log in to your Chime account at www.chime.com.
- Select Move Money.
- Select Transfers.
- When you're prompted, enter the login credentials for your other bank (your external account).
Your external account will be instantly linked to your Checking Account.
Once your external account is linked, you can use the Chime mobile app to make transfers from the external account to your Checking Account. You can view your transfer limits in the app by going to Settings > View limits. Transferred funds will be available within five (5) business days.
Frequently asked questions
How do I initiate a money transfer from my external account?
Many banks allow you to make transfers to Chime from their website. If you have an external bank that offers this service:
- Log in to the other bank's website.
- Add your Chime Checking Account using the routing and account numbers that you use for direct deposit.
Why is my transfer taking so long?
Transfers between accounts are completed through ACH, which are only processed on business days (Monday through Friday, excluding any Federal holidays). After a transfer is processed, Chime's bank partners ask that we hold the transfer for at least three (3) business days. Consequently, it takes a little less than a week to post the money to your Checking Account.
What are my transfer limits?
You can view your transfer limits in the Chime mobile app by going to Settings > View limits.