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 apps like Chime or 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
Chase
Member FDIC

Chase Total Checking® - $300 Bonus

Expires 4/16/2025
  • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
  • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • 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*
Discover Bank
Member FDIC

Discover® Online Savings - $200 Cash Bonus

Expires 9/11/2025

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.

Bank of America
Member FDIC

Bank of America Advantage Banking - $300 Bonus Offer

Expires 5/31/2025
  • The $300 bonus offer 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 05/31/2025.
  • To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
  • Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
  • 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.
U.S. Bank
Member FDIC

Silver Business Checking account - $500 Bonus

Expires in 6 days

Promo code Q1AFL25 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts. Business Essentials is not available in all markets; contact a banker for more details.

Earn your $500 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials account between 1/16/2025 and 3/31/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.

New money is considered money that is new to U.S. Bank. Funds must come 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 (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.

Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or 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
Member FDIC

CIT Bank Platinum Savings - $300 Bonus

  • Transfer a one-time deposit of $50,000+ for a Bonus of $300
  • 4.10% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • No monthly maintenance fee
  • Member FDIC
Terms and Conditions

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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