Transfer money between Chime and an external bank

Before you begin: You need a linked external bank account. See Link and unlink external accounts and debit cards with Chime for setup instructions.

Send money from Chime to an external bank

In the Chime app:

Tap Move > Transfer Money.
Select your Chime Checking Account under From and your external bank account under To.
Enter the amount and tap Review.
Verify the details and tap Transfer. You will see a confirmation screen and receive a confirmation email shortly after.

On chime.com:

Select Move Money from the menu.
Choose your Chime Checking Account under From and your external account under To.
Enter the amount and click Transfer.
Review the details and click Confirm.

Note: For ACH transfers to external banks, use your Chime Checking Account and routing number. Savings accounts aren't eligible.

Money sent to an external bank typically arrives within 1 to 3 business days, depending on your external bank's processing times. ACH transfers are processed on business days (Monday through Friday, excluding federal holidays).

Receive money from an external bank

In the Chime app:

Tap Move > Transfer Money.
Select your external bank account under From and your Chime Account under To.
Enter the amount and tap Transfer.

Note: You can't initiate a transfer from your external savings account into Chime using the Chime app. To do this, log in to your external bank and initiate the transfer from there using your Chime routing and account numbers.

Transfers from an external bank into Chime typically take 1 to 5 business days to post. You can track the status in the app under Transactions.

Initiate a transfer from your external bank

Many banks let you send money to another account by entering routing and account numbers. Log in to your external bank and add your Chime Checking Account using the routing and account numbers you use for direct deposit.

To find your Chime routing and account numbers: tap Profile > Account details in the Chime app.

Chime does not place limits on transfers initiated from an external bank into your Chime account. However, your external bank may have its own limits and fees.

Instant transfers to an external debit card

If you have a linked external debit card, you can send money from your Chime Checking Account to that card in minutes rather than days. Each instant transfer includes a fee equal to 1.75% of the amount transferred. The fee is charged separately and appears as its own transaction.

Cancel a transfer

ACH Transfers initiated from your Chime account may be canceled within one business day, as long as the transfer has not yet been processed. Call Chime support at (844) 244-6363 as soon as possible.

Note: Chime can't cancel transfers initiated from your external bank. To cancel those, contact your external bank directly.

If your account does not have enough money

If your Chime account does not have enough money to cover a transfer, the transfer will fail and will not be processed. You can add money through direct deposit, an external transfer, or other available deposit methods before trying again.

When your balance updates

Your Chime balance updates immediately when you transfer money out of Chime. Transfers into Chime from an external bank account typically appear within 1–5 business days after the money posts. If the balance looks incorrect, refresh the app. If a linked external account balance is not displaying correctly, try unlinking and relinking that account.