With over 22 million active account holders, Chime is the most popular and most prominent neobank that has come to stay.
In fact, Chime has made digital banking even easier in such a way that whether you're looking to own an online bank account, make seamless money transfers, pay for your expenses, or build a credit history, Chime is definitely one of the choices that should come across your mind.
Unlike most neobanks, Chime offers many different ways to send and receive money to and from your Chime account. And of course, someone can send money to your Chime account in many ways. Wondering how? Keep reading.
In this article, I will show you the different ways someone can send money to your Chime account.
Table of Contents
Can Someone Send Me Money To My Chime Account?
Yes, someone can send you money to your Chime account.
Over the years, Chime has brought new features that have made it even easier for customers to send and receive money to and from their accounts.
And guess what? Its "Pay Anyone" feature allows customers to send money even to those who don't have a Chime account.
Also Read: Can I Use My Chime Credit Card With No Money?
How Can Someone Send Me Money To My Chime Account?
As earlier mentioned, there are many ways someone can send you money to your Chime account. And whether the person owns a Chime account or not, you'll probably find a suitable way to receive money from the sender on your Chime account.
With that said, if you're wondering how can someone send you money to your Chime account, you'll want to consider any of the options below.
1. Use Chime's Pay Anyone Feature
Chime's "Pay Anyone" feature is the neobank's P2P money transfer feature and is definitely the best way to send and receive money on Chime. Plus, the transfer through this method is instant.
The best is the recipient does not need to own a Chime account for them to receive your Chime payment — they'll have the option to sign up for Chime or withdraw the funds to their debit card.
And of course, if you want someone to send money to your Chime account, you can ask them to use Chime's "Pay Anyone" feature.
If the person does not know how to proceed, you can direct them with these steps to send money to your Chime account through the "Pay Anyone" feature.
- Log in to your Chime mobile app.
- Select the "Pay Anyone" tab.
- Search for your friend's name or $ChimeSign, or enter the email or phone number of someone who isn't on Chime.
- Enter the amount to send to the recipient and the reason that you're sending the money.
- Confirm the amount and the recipient.
- Choose "Pay now" to send the money.
If they are kind of hesitating to follow the steps, you can request money from them and they'll just have to confirm the payment.
To do so:
- Log in to your Chime mobile app.
- Tap the Pay Anyone button on the bottom navigation bar
- Tap "Search People".
- Enter the name, phone number, or email of the person who you want to request money from. The recipient must also be a Chime member.
- Enter the amount of money you want to receive and write a brief description.
- Tap "Request".
It is as easy as that.
Now what if the person looking to send you money to your Chime account doesn't actually own a Chime account? You'll want to consider any of the other options below.
2. Use Direct Deposit
If the person who wants to send you money to your Chime is your employer, then this option is your best bid.
Chime allows users to set up direct deposit from their employers to let them receive their paychecks directly into their Chime checking account.
All you need to do is set up direct deposit for your Chime account from your employer. Chime supports over 30,000 employers, payroll providers, and unemployment agencies which you can find directly in the Chime app.
If you want Chime to set up direct deposit for you, you can use its "Find employer" feature to find your employer and know if Chime supports them.
If Chime does not support your employer, you'll have to set up direct deposits with the direct deposit form. Of course, you'll need your Chime routing and account number for this.
To set up direct deposit with Chime via the form:
- Open your Chime app.
- Go to the "Move Money" tab, then "Set up direct deposit".
- Tap "Get completed form", and Chime will email you a completed direct deposit form as a PDF.
- On the form, you can precise whether you want to receive all your direct deposit amount or a portion of it on your Chime account.
3. Have The Person Make An ACH Transfer To Your Chime Account
This is another great way to receive money from someone who doesn't have a Chime account.
Chime allows users to transfer money from an external bank account to their Chime account.
The transfer in this case is an ACH transfer and typically takes up to 3 business days to reflect in your Chime account.
You'll typically need to link the external bank account to your Chime account before transferring money from it.
To do so:
- Log in to your Chime account.
- 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 Chime account.
Once your external account is linked, you can use the Chime mobile app to make transfers from the external bank account to your Chime account.
I know most of you are wondering whether the person will even accept you should link their account to your Chime account. That's just normal for everyone's financial security.
However, if the person doesn't accept, you can always use another bank account as a bridge to receive funds from the person and later transfer them to your Chime account.
Again, there are many banks that let you make a money transfer to Chime from their website. If your bank allows this, then it should be even easier for someone to send you money to your Chime account.
To do so:
- Ask them to log in to their bank's website.
- Then, tell them to add your Chime account using the routing and account numbers that you use for direct deposit.
- Once your Chime account is linked to their account, they can send you money to your Chime account through ACH transfer.
How Long Does Chime Pay Anyone Take?
When a user uses the Chime Pay Anyone feature to send money, the transfer occurs instantly and the recipient receives money as soon as it is sent.
How To Send Money To Chime From Debit Card
Chime makes it easy to send money from your debit card to Chime through its Move Money feature. Plus, the transfer occurs instantly and you'll typically see the money in your Chime account as soon as it is sent.
To send money to Chime from a debit card, link an external bank account, and add your debit card number, you'll be able to add at least $200–instantly.
Can Someone Send Me Money To My Chime Account From Zelle?
No, Chime does not work with Zelle — meaning, someone cannot send you money to your Chime account from Zelle.
How To Recieve Money From Chime Without An Account
Chime is a unique neobank that makes it easy for people to receive money without having an account.
To receive money from Chime without an account, ask the person looking to send you money to use the "Pay Anyone" feature to transfer the funds to your email address or phone number.
Once you receive an email or an SMS with instructions, you should be able to withdraw the funds directly to your debit card.
Frequently Asked Questions
Can someone transfer money into my Chime account?
Of course, someone can transfer money into your Chime account. All they need is your $ChimeSign, email address, or phone number to transfer your money instantly.
How can someone send me money on Chime if they don t have it?
Unfortunately, if someone does not have money in their Chime account, they won't be able to send you money even if they have the Chime Credit Builder credit card.
Can someone send money to my Chime if they don't have Chime?
Yes, someone can send you money to your Chime account if they don't have Chime through direct deposit or through an ACH transfer.
Can someone send me money to my Chime account from Cash App?
Yes, someone can send you money to your Chime account from Cash App by linking your bank account to their Cash App account. From there, they can use Cash App's Cash Out feature to send you money to Chime.
Can someone send money from Venmo to my Chime account?
Yes, if your Chime card is linked to their Venmo account, the person should be able to send you money from Venmo to your Chime account.
Final Thoughts
Chime is a popular neobank that allows friends, family, and business owners to manage their finances in a more convenient way.
If someone wants to send you money to your Chime account, you can have them use Chime's "Pay Anyone" feature. You'll receive the money instantly as soon as it is sent.
If the person does not have an account with Chime, you can have them use direct deposit or ACH transfer to send you money to your Chime account.
Either way, you'll surely find an easy and convenient way to receive your money.
Do you have another option? Let us know in the comments section so we can share your idea with the world.
Sources:
https://help.chime.com/hc/en-us/articles/235063248-How-do-I-use-Pay-Anyone-to-send-money-
https://help.chime.com/hc/en-us/articles/360045713433-Request-Money-FAQs
https://www.chime.com/blog/how-to-set-up-direct-deposit-with-chime/
https://www.chime.com/blog/chime-basics-how-to-move-money-into-chime/
https://help.chime.com/hc/en-us/articles/224857747-How-do-I-transfer-money-from-another-bank-to-my-Chime-Checking-Account-