How Can Someone Without Chime Send Me Money?

When using Chime, it’s easy to send and receive money from other Chime users. However, you may need to receive funds from someone without a Chime account. This article outlines various methods, including popular payment applications, direct bank transfers, and other traditional options, to help you receive funds regardless of the sender’s banking platform.

Using Common Third-Party Payment Services

Third-party payment applications offer a convenient way to receive money from individuals who do not use Chime. These services allow senders to initiate transfers using their preferred app, which you can then direct to your Chime account. Understanding the specific steps for each service helps ensure a smooth transaction.

Zelle

Zelle facilitates direct bank-to-bank transfers, a common choice for quick money transfers within the United States. To receive funds, enroll your Chime Visa Debit Card through the Zelle app using your phone number or email. The sender can then send money directly to your enrolled contact. Funds typically arrive within minutes in your Chime Spending Account, though some transfers may take up to three business days.

PayPal

PayPal allows users to send and receive money globally. To receive money, the sender sends funds to your PayPal account using your associated email or phone number. Link your Chime Spending Account and routing number to your PayPal profile to transfer received funds. Standard transfers to your linked Chime account usually take one to three business days. An instant transfer option is available for a fee, typically 1.75% of the transfer amount, with a $0.25 minimum and a $25 maximum.

Venmo

Venmo is popular for splitting costs and sending money between friends. To receive money, the sender sends funds to your Venmo username, phone number, or email. Link your Chime Spending Account to your Venmo profile using your account and routing numbers. Once funds are in your Venmo balance, you can transfer them to your Chime account. Standard transfers typically take one to three business days without a fee. Instant transfers to your Chime debit card are available for a fee, usually 1.75% of the transfer amount, with a $0.25 minimum and a $25 maximum.

Cash App

Cash App provides a straightforward way to send and receive money. Senders can send money to your Cash App Cashtag, phone number, or email. Link your Chime Spending Account by providing your account and routing numbers within Cash App settings. Once money is in your Cash App balance, you can transfer it to your linked Chime account. Standard transfers are free and typically take one to three business days. Instant transfers incur a fee, generally 0.5% to 1.75% of the transfer amount, with a $0.25 minimum.

Receiving Funds Directly to Your Chime Account

You can also receive money via a direct bank transfer, specifically an Automated Clearing House (ACH) transfer. This method allows the sender to initiate a transfer from their bank directly to your Chime Spending Account, bypassing third-party applications. This is similar to how direct deposits for paychecks or government benefits are processed.

To initiate an ACH transfer, the sender needs your Chime routing and account numbers. These details are unique to your Chime Spending Account and can be found within the Chime mobile application under “Move Money” and “Account Info.” The sender then uses these details to set up an external transfer from their bank’s online banking portal or mobile app. ACH transfers typically process within two to three business days, though some may take up to five business days to fully clear.

Exploring Other Payment Options

Beyond digital transfers, several traditional methods are viable for receiving money from someone without Chime. These options may take longer or involve physical documents, but provide additional flexibility. Understanding how to handle these payments ensures you can access your funds.

Physical checks offer a straightforward way to receive money. You can deposit a check into your Chime account using the mobile check deposit feature in the Chime app. Endorse the check and follow the in-app instructions to photograph both sides. Additionally, some third-party services, like Green Dot locations, facilitate cash deposits linked to your Chime account, though fees may apply.

Money orders function similarly to checks but are prepaid and issued by financial institutions or postal services. You can deposit a money order into your Chime account using the mobile check deposit feature in the Chime app. Chime supports incoming domestic wire transfers, often used for larger sums or expedited transfers. For a domestic wire transfer, the sender needs your Chime account number, routing number, and the bank’s name (The Bancorp Bank or Stride Bank, N.A., depending on your account). Chime does not support international wire transfers.