Chime, launched 2014, and cash app, launched 2013, are extremely popular financial service providers, with Chime, a legitimate bank alternative and cash app, one of the best mobile payment services.
They both have millions of users and due to their popularity, it is only logical that you would want to use both accounts to send and receive money as well as other activities like investing in stocks and crypto currency. But the real question is;
Does Chime Work with Cash App!
The simple answer is yes. Fortunately, you can link the two services together as per your convenience. The important thing is to make sure that you set and link up everything correctly to avoid inconveniences. Read on to find out how to use Chime with Cash App. How Long Will it Take to Transfer Money from My Cash App to My Chime Account?
First off, it depends. If you used your debit card to link the accounts, you can expect instant transfers. Otherwise, it takes up to 1 to 3 business days for funds to be transferred between the two accounts. Anything longer than that, you should follow up with Cash App and chime.
To contact Chime customer support, you can call their customer support desk via their customer support number, (844) 244-6363. If you need to contact Cash App support, you can easily find the “support” option within the app or visit their main customer support page on their website.
Link Chime to Cash App with Debit Card
The first way to use the two is by linking them with a debit card. This will not only allow you to access and use instant transfers but also make transactions fast and simple. You only must keep in mind that there is a small fee (usually 1.5%) associated with the transactions.
However, you can directly link to your Chime account if you would rather not pay these fees. We will show you how to do this below but first; here is how to link your Chime debit card with Cash App;
Download and install cash app on your device
The very first thing is to download and install Cash App on your device, if you don’t already have it. You can always do this for free on iOS and/ or Android. Once you install it, launch and open it, then head on to step two below;
- Find the bank icon at the bottom left corner of your screen once you open Cash App and tap on it
- Scroll down the menu and tap on “Link Bank”
- In the next screen, fill in the short form to link Chime and Cash App;
- Enter your Chime debit card number and click “Add Card”
- Enter your CVV number
- Enter the card expiration date
- Enter ZIP code associated with your Chime card.
If you enter all details correctly, then Cash App will send you a message confirming that the card has been successfully linked. You can then start using your Cash App with Chime whenever you need to.
Link Cash App Directly to Chime
Linking Cash App directly to your Chime bank account is equally as easy as using your debit as the process described above. Unlike linking with the card though, you can avoid getting charged transaction fees.
However, this will take away your ability to transfer money instantly. Instead of instant transfers, you will have to wait up to 1 to 3 business days for the money to reach your account. Either way, you decide what sacrifice you are willing to make.
Also, keep in mind that in case you lose your debit card and are in the process of replacing it, the number changes (or in the case where your debit card expires), this will cause issues with your Cash App until you update the information (which is not too much hassle anyway).
However, linking your accounts directly wouldn’t bring any of these issues. Here is how;
- Download and install Cash App
- Open it and tap on the bank icon at the bottom area of the screen.
- Scroll down the menu and select “link bank”
- Tap on “no card”
- Read the screen that follows and “continue”
- The next screen will prompt you to search your bank. You can either scroll down to find Chime and tap on it, or type “Chime” in the search bar to find it fast.
- Log in to your Chime bank account with your username and password, and complete the process.
If you do everything right, you should be able to start transferring money between Cash App and Chime as soon as you get a confirmation message. Whatever method you use, make sure to first test to see if you have linked correctly.
To do this, just send a small amount, say $1, from Chime to Cash App. Do the same from Cash App to Chime and if both transactions are smooth and successful, then you can be sure your accounts are well-linked and are ready to use.
Frequently Asked Questions on Does Chime Work with Cash App
Reading this article should enable you to answer the popular question: how does Chime work with Cash App? Here are some other frequently asked questions related to the topic;
Can My Friend Use his/her Cash App to Send Money to My Chime Account?
Cash App only allows you to cash out money to your own linked bank accounts. In this case, your friend will have to send money from her Cash App to her own bank account, and from there transfer the money to your account.
What are the Transaction Fees for Using Cash App with Chime?
There is a 1.5% fee associated with instant money transfers between Cash App and Chime. That is if the two accounts are linked with a debit card. However, if you want to save some money and don’t really require instant transfers, it is completely free to send money from Cash App to Chime.
However, note that this will take longer, up to 1 to 3 business days for the transactions to be completed.
What is the Limit to How Much Money I can Transact to and From Cash App and Chime?
If your Cash App is unverified, you can only send up to $250 per week and the most you can receive is $1000 within a month/ 30 days. Learn; How To Activate Cash App Card
Conclusion
So, does Chime work with Cash App? Yes. And, setting up the two to work together is a pretty simple process. It also doesn’t matter if you have a Chime debit card or not. You can always link your accounts with or without the card.
Whether or not to use your debit card is all up to you. Among many other factors you should consider, using your card will have you charged transaction fees for every transaction but with instant transfers. On the other hand, transfers are free if you link directly without the card, but they take longer.
