Want to move your money from Chime to Chase Bank? You're in the right place! While Chime and Chase are two very different types of banking services, transferring funds between them is a common need. Whether you're consolidating your finances, moving to a new primary bank, or simply need to access your Chime funds through your Chase account, this guide will walk you through the process step by step.
Ready to get started? Let's dive in!
Understanding the Basics: ACH Transfers
Before we jump into the steps, it's important to understand how money moves between these banks. The primary method for transferring money between different financial institutions like Chime and Chase is through an Automated Clearing House (ACH) transfer.
What is an ACH transfer? An ACH transfer is an electronic network for financial transactions in the United States. It's how direct deposits, bill payments, and transfers between bank accounts typically happen. It's generally reliable and often free for standard transfers, though it can take a few business days.
Why not a wire transfer? While wire transfers are faster, they usually come with higher fees. For routine transfers between your own accounts, ACH is the more common and cost-effective choice.
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| How To Transfer Money From Chime To Chase Bank |
Step 1: Gather Your Essential Bank Information
This is a crucial first step! Without the correct details, your transfer won't go through. Imagine trying to mail a letter without the right address – it just won't reach its destination.
1.1. For Your Chime Account (the sending bank):
You'll need your Chime account number and routing number. Here's how to find them:
Via the Chime App:
Open the Chime mobile app.
Tap on the "Move Money" section.
Select "Direct Deposit."
Here, you'll see your Chime account number and the routing number for the bank that provides services for your Chime Checking Account (Chime partners with banks like The Bancorp Bank, N.A. or Stride Bank, N.A.).
Via the Chime Website:
Log in to your Chime account at chime.com.
Look for the "Move Money" section.
You should find your account and routing numbers there.
1.2. For Your Chase Bank Account (the receiving bank):
You'll need your Chase account number and routing number.
On a Check: The routing number is the nine-digit number at the bottom left of your checks. Your account number is usually next to it.
Through Online Banking (Chase.com):
Log in to your Chase online banking account.
Navigate to your checking or savings account.
Often, you can click on the account details to find the routing and account numbers.
Via the Chase Mobile App:
Log in to your Chase Mobile app.
Select your checking or savings account.
Look for account details or settings to find the numbers.
Chase Routing Number Tip: Chase has several routing numbers depending on your location and the type of transaction. For ACH transfers, you'll generally use the routing number specific to your region. You can find this on their website or by calling Chase customer service. A common routing number for domestic wire transfers is 021000021, but it's always best to verify the correct ACH routing number for your specific account and location.
Step 2: Initiating the Transfer from Chase (Recommended Method)
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While you can initiate the transfer from Chime, it's often more straightforward and sometimes faster to pull funds from Chime into Chase. This means you'll be setting up the external account within your Chase online banking or mobile app.
2.1. Linking Your Chime Account to Chase
This is a one-time setup that allows Chase to "see" and transfer funds from your Chime account.
Using Chase Online Banking (Web Browser):
Log in to your Chase account at chase.com.
Click on "Pay & Transfer" in the navigation menu.
Select "Transfer Money."
Look for an option like "Add an external checking or savings account" or "Manage external accounts."
You'll likely be asked to search for your bank. Type "Chime" and select it.
Follow the on-screen prompts. Chase may offer instant verification (where you log into your Chime account through a secure portal) or manual verification.
Instant Verification (Preferred): If available, you'll securely log in to your Chime account via Plaid (a third-party service used by many banks to link accounts). This is usually the quickest way.
Manual Verification: If instant verification isn't an option, or you prefer not to use it, you'll be asked to manually enter your Chime account number and routing number. Chase will then send two small "micro-deposits" (usually a few cents) to your Chime account. You'll need to check your Chime transaction history in 1-3 business days and then return to Chase to verify the exact amounts of these deposits. This confirms you own the Chime account.
Using the Chase Mobile App:
Open and log in to your Chase Mobile app.
Swipe left on your checking account or tap "Pay & Transfer."
Tap "Manage external accounts" or "Add an external account."
Similar to the web version, search for "Chime" and follow the prompts for instant or manual verification.
2.2. Confirming the Link
If using Instant Verification: The link should be established almost immediately. You'll usually get a confirmation message.
If using Manual Verification: Wait 1-3 business days for the micro-deposits to appear in your Chime account. Once they do:
Log back into your Chase account (either online or via the app).
Go back to the "Manage external accounts" section.
Enter the exact amounts of the two small deposits. Once verified, your Chime account will be successfully linked.
Step 3: Performing the Transfer from Chase
Once your Chime account is linked as an external account in Chase, you can easily initiate transfers.
3.1. Setting Up the Transfer
Using Chase Online Banking (Web Browser):
Log in to chase.com.
Go to "Pay & Transfer" and then "Transfer Money."
Under the "From" account, select your newly linked Chime account.
Under the "To" account, select your Chase checking or savings account.
Enter the amount you wish to transfer.
Choose the date for the transfer. You can often schedule it for the same day or a future date.
Review all the details carefully: source account, destination account, and amount.
Using the Chase Mobile App:
Open and log in to your Chase Mobile app.
Tap "Pay & Transfer."
Select "Transfer Money."
Choose your Chime account as the "From" account and your Chase account as the "To" account.
Enter the amount and desired transfer date.
Double-check everything!
3.2. Confirming and Monitoring the Transfer
After reviewing the details, confirm the transfer.
You will typically receive a confirmation message or email from Chase.
Transfer Times: ACH transfers usually take 2-3 business days to complete. Business days exclude weekends and federal holidays. So, if you initiate a transfer on a Friday, it might not arrive until the following Tuesday or Wednesday.
Monitoring: You can usually track the status of your transfer within your Chase online banking or app. Once complete, the funds will appear in your Chase account, and the corresponding amount will be debited from your Chime account.
Step 4: Initiating the Transfer from Chime (Alternative Method)
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You can also push funds from your Chime account to your Chase account. This involves adding Chase as an external linked account within your Chime app or online.
4.1. Linking Your Chase Account to Chime
Via the Chime App:
Open the Chime app.
Go to the "Move Money" tab.
Tap the "Transfer money" button.
Select your Chime account from the "From" dropdown.
Tap "Link a New Account."
Choose "Bank Account."
Tap "Continue" and follow the instructions, which will likely involve using Plaid to find and link your Chase account.
Alternatively, you might need to manually enter your Chase routing number and account number. Chime will then send micro-deposits to your Chase account for verification.
Via the Chime Website:
Log in to your Chime account at chime.com.
Click on "Move Money."
Select "Link a New Account."
Click "Continue" on the Plaid screen and follow the instructions to search for and link Chase.
Again, manual verification via micro-deposits is an option if Plaid linking isn't used.
4.2. Confirming the Link in Chime
If using Plaid, the link should be instant.
If using micro-deposits, wait 1-3 business days for the small deposits to appear in your Chase account. Then, return to your Chime app/website to enter those amounts and verify the link.
Step 5: Performing the Transfer from Chime
Once linked, you can send money from Chime to Chase.
5.1. Setting Up the Transfer in Chime
Via the Chime App:
Open the Chime app.
Go to "Move Money."
Select "Transfer money."
Choose your Chime account as the "From" account.
Select your linked Chase account in the "To" dropdown.
Enter the desired transfer amount.
Review and confirm the details.
5.2. Understanding Chime Transfer Fees and Limits
Standard ACH Transfer: Chime generally does not charge a fee for standard ACH transfers to external bank accounts.
Instant Transfers to External Debit Card: Chime does offer an "Instant Transfer" service to external debit cards, but this typically incurs a 1.75% fee of the transferred amount. This is generally only for debit card transfers, not direct bank-to-bank (ACH) transfers. For a transfer directly to a Chase bank account, you'll usually be using the standard ACH method.
Transfer Limits: Chime has varying transfer limits depending on your account history and the type of transaction. You can check your specific limits within the Chime app: Go to Settings > Account Info > View limits. It's important to be aware of these limits, especially for larger transfers.
Important Considerations:
Transfer Times: Standard ACH transfers generally take 2-3 business days. This means if you transfer on Monday, the funds might not be available in Chase until Wednesday or Thursday. Keep weekends and federal holidays in mind, as they are not business days.
Fees: As mentioned, standard ACH transfers are usually free from both Chime and Chase. However, always double-check your bank's most current fee schedule, as policies can change.
Transfer Limits: Both Chime and Chase will have daily, weekly, or monthly limits on external transfers. Check your individual account limits within each bank's app or online portal before attempting a large transfer. If you need to transfer a significant amount, you might need to do it in smaller increments over several days, or explore a wire transfer (which will have fees).
Matching Names: The names on your Chime account and your Chase account must match for successful linking and transfers. This is a security measure to prevent fraud.
Accuracy is Key: Double-check all account numbers and routing numbers before confirming any transfer. A single digit error can send your money to the wrong place, causing significant delays and headaches.
Transferring money between Chime and Chase is a common and usually straightforward process once you have the correct information and understand the steps. By following this guide, you should be able to move your funds securely and efficiently!
Tip: Reread complex ideas to fully understand them.
10 Related FAQ Questions:
How to find my Chime routing number?
You can find your Chime routing number in the Chime mobile app by going to "Move Money" and then "Direct Deposit." It's also available on the Chime website after you log in. Chime uses routing numbers from its partner banks (like The Bancorp Bank or Stride Bank).
How to find my Chase Bank routing number?
Your Chase Bank routing number can be found on your checks (bottom left), by logging into your Chase online banking account and viewing your account details, or within the Chase Mobile app. Be aware that routing numbers can vary by region.
How to link Chime to Chase Bank?
You can link Chime to Chase by logging into your Chase online banking or mobile app, navigating to "Pay & Transfer" > "Manage external accounts" (or "Add an external account"), and then searching for Chime. You'll either instantly link by logging into Chime via Plaid or manually verify with micro-deposits.
How to link Chase Bank to Chime?
You can link Chase to Chime by opening the Chime app, going to "Move Money" > "Transfer money" > "Link a New Account," and then choosing "Bank Account." You'll then either use Plaid to instantly link or manually enter your Chase account and routing numbers and verify with micro-deposits.
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How to check Chime transfer limits?
To check your specific Chime transfer limits, open the Chime app, go to "Settings," then "Account Info," and finally "View limits." Your limits are based on your account history and can vary.
How to check Chase external transfer limits?
Chase dynamically determines external transfer limits. When you are setting up an external transfer in Chase online banking or the mobile app, the maximum daily limit applicable to you will be displayed at that time.
How to speed up a Chime to Chase transfer?
Standard ACH transfers between Chime and Chase take 2-3 business days and cannot typically be sped up without incurring fees. While Chime offers "Instant Transfers" to external debit cards (for a 1.75% fee), this is generally not for direct bank-to-bank transfers. Wire transfers are faster but much more expensive.
How to avoid fees when transferring from Chime to Chase?
To avoid fees, always opt for the standard ACH transfer method when moving money from Chime to Chase. Chime generally doesn't charge fees for these, and Chase also typically does not charge for incoming ACH transfers. Avoid Chime's "Instant Transfer to External Debit Card" if you want to avoid the 1.75% fee.
How to fix a failed Chime to Chase transfer?
If a transfer fails, first verify that all account numbers and routing numbers were entered correctly. Check if you exceeded any daily or monthly transfer limits. Ensure the names on both accounts exactly match. If the issue persists, contact Chime support and/or Chase support for assistance, providing them with the transfer details.
How to cancel a Chime to Chase transfer?
Once an ACH transfer is initiated and processed, it generally cannot be canceled or reversed because the funds are instantly transferred by Chime. It's crucial to confirm all details before initiating the transfer. If you've made an error, contact Chime customer service immediately, though successful cancellation is unlikely once the process has begun.
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