Is Chime a credit card?

Chime offers the Chime Credit Builder Visa® Credit Card, a secured credit card issued by Stride Bank. It works differently from other secured cards because you can adjust your credit limit by adding more money to your card, much like a prepaid debit card.
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Can Chime card be used as credit?

It works just like a regular credit card in that you can use it to buy gas, groceries or household goods. There's no annual interest, no fees and no credit check. Chime claims that using the card can improve your credit rating by an average of 30 points in just four months.
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What kind of card is Chime?

Chime is not a credit card. Chime is a financial technology company that offers a secured credit card called Chime Credit Builder Visa® Credit Card2. Chime also offers a savings and checking account.
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Is Chime a debit or credit card?

Chime offers the Chime Credit Builder Visa® Credit Card, a secured credit card issued by Stride Bank. It works differently from other secured cards because you can adjust your credit limit by adding more money to your card, much like a prepaid debit card.
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Is Chime considered a bank account?

Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time.
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Chime Credit Builder Card Review | Build GREAT Credit From ZERO



What is my Chime credit limit?

There is no pre-set starting credit limit for the Chime Credit Card. The credit limit for this card depends on the money you decide to move into your Credit Builder Secured account. Chime only gives a maximum credit limit for this credit card, which is $10,000.
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Is Chime a credit union?

Looks like you're looking for Chime.com

Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
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Is Chime bank a prepaid card?

No, Chime is not a prepaid card. When you open an account online through Chime, you get a Spending Account, a Visa debit card, and an optional Savings Account. Chime's debit card is linked to your bank account and a prepaid card is not.
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What are the cons of Chime?

Cons
  • Face to face service isn't an option - support is online and by phone only.
  • Not all services are fee free - you may pay for depositing cash or for ATM withdrawals.
  • Limits apply to some services - like spending limits on withdrawals and purchases.
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What banks use Chime?

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc.
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Can I withdraw $1000 from Chime?

Cash Withdrawal Limits

You can withdraw up to $500 per day via ATM at any ATM, however there is a $2.50 fee every time you make a withdrawal from an out-of-network ATM.
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Can I take 5000 off my Chime card?

ATMs: You can withdraw up to $500 per day at any ATM. There is a $2.50 fee every time you make a withdrawal from an out-of-network ATM. Additionally, the out-of-network ATM provider may charge you an additional fee at their discretion.
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Does Chime take unemployment?

Once you receive your unemployment benefits, you can always transfer the money into your Chime Spending Account via your Chime app.
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Can I use my Chime credit card at ATM?

Can I use my Chime Credit Builder Card at an ATM? Yes! You can get cash using your Credit builder at any ATM. To avoid out-of-network fees², we recommend using one of the 60,000+ in-network ATMs found in stores you love like Walgreens, 7-eleven, and more.
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Does Chime give you money?

Chime is probably best known for its fast direct deposits, so it might be a good fit if that's how you get paid. You'll get your direct-deposited paycheck up to two days earlier1 than with other financial options. If Chime's perks are not enough, it also lets you earn extra cash for recommending friends.
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How much does it cost to load a Chime card?

Customers can load cash onto their Chime card at Walmart as the company is one of Chime's cash deposit partners. Customers will be charged a loading fee of $3.50-$4.95, and customers can only load their card 3 times in a rolling 24-hour period with up to $1,000 and a maximum deposit limit of $10,000 per month.
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How much can you deposit into Chime in one day?

Simply ask the cashier to make a deposit to your Chime account at the register. You can make up to 3 deposits every 24 hours. You can deposit a maximum of $1,000 every 24 hours and up to $10,000.00 every month.
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Which ATM is free for Chime?

We have a network of 60,000+ fee-free in-network ATMs for Chime members. Get fee-free transactions at any Moneypass ATM in a 7-Eleven location and at any Allpoint or Visa Plus Alliance ATM. To find a fee-free ATM near you, download the Chime mobile app and tap on ATM map. You can also search our ATM network.
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Can I deposit a check into my Chime account?

If you're eligible for Mobile Check Deposit, you can deposit your check using the Chime mobile app by following these steps: On the home screen, tap Move Money. Tap Mobile check deposit. Choose the type of check you want to deposit and follow the steps.
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What is the direct deposit limit for Chime?

Short answer: Chime does not limit the amount direct deposited into your account. However, amounts over $10,000 may require additional verification. You can also deposit checks using the mobile app, transfer money from another bank, and add cash through a convenient cash deposit partner.
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How do I deposit money into Chime bank?

You can deposit cash in your Chime Checking Account at over 90,000 retail locations with our cash deposit partners. Ask the cashier to make a deposit directly to your Chime Checking Account. You can make up to 3 deposits every 24 hours. You can add up to $1,000 every 24 hours for a maximum of $10,000 every month.
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How do you deposit money into Chime?

Here's how to deposit cash at a retail store
  1. Bring your cash to the register.
  2. Hand your cash and Chime Visa® Debit Card to the cashier.
  3. Start swiping, saving, and smiling!
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What is the catch with Chime?

Chime makes its money through kickbacks from Visa when customers use its debit and credit cards. It does not offer these traditional banking products. Fees for using out-of-network ATMs. You'll pay $2.50 per transaction if you withdraw from an ATM outside of Chime's free network.
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Can you get scammed on Chime?

Unsolicited Chime debit card

The scammers could use the account that they opened in your name as a pass-through account for other scam victims to send money to and transfer the money out of 'your' Chime account in a matter of seconds if they have notifications enabled.
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