Chime does not accept cash deposits directly, but you can convert cash to a Chime deposit through a few working methods

Chime is an online bank without physical branches, so you cannot walk into a location and hand over cash. However, you have straightforward options to get cash into your Chime account. The most common route is using a third-party deposit service at a retail location, transferring money from another bank account you control, or asking someone else to deposit on your behalf.

The method you choose depends on how quickly you need the money, whether you have access to another bank account, and which services operate near you. Some options are instant; others take a business day or two.

Key Takeaways

  • Chime partners with MoneyLion and other services to let you deposit cash at retail locations like CVS and Walgreens, though fees and limits vary by partner.
  • You can transfer cash from another bank account you own into Chime using that bank's app or website, which usually takes one to two business days.
  • Chime's SpotMe feature lets you borrow small amounts against your next paycheck, which works if you are expecting direct deposit soon.
  • A friend or family member can deposit cash into their own bank account and then send it to your Chime account via ACH transfer or Zelle.

Using retail cash deposit services

Chime has partnered with MoneyLion and other third-party services to let you deposit cash at participating retail locations. You typically go to a CVS, Walgreens, or other partner store, tell the cashier you want to deposit cash to your Chime account, and provide your Chime card or account information. The cash is converted to a deposit into your Chime account.

Each service charges a fee for this transaction — usually between $1.50 and $5 depending on the amount and the partner. The deposit may post immediately or within one business day. Check the Chime app or website to see which services are available in your area and what their current fees are, since partnerships and pricing change.

This method works well if you need cash converted quickly and do not have another bank account to transfer from. The downside is the fee and the fact that not all retail locations participate.

Transferring from another bank account you own

If you have a checking or savings account at another bank, you can transfer money from that account into Chime. Log into your other bank's app or website, select the option to send money (often called "transfer," "send money," or "pay"), and add your Chime account as the destination. You will need your Chime routing number and account number, both visible in the Chime app under account details.

This transfer is usually free and takes one to two business days to complete. Some banks offer faster options like same-day ACH, but standard transfers follow the ACH timeline. This is the cheapest way to move cash into Chime if you already have another account and are not in a rush.

If you do not have another bank account, you can open one at a traditional bank or credit union, deposit your cash there, and then transfer to Chime. This adds a step but gives you a permanent way to move money between accounts.

Using Chime's SpotMe feature for short-term needs

Chime's SpotMe feature lets you borrow small amounts of money against your next paycheck if you have direct deposit set up. The amount you can borrow depends on your account history and direct deposit pattern, but it typically ranges from $20 to $200. You request the advance in the Chime app, and the money appears in your account instantly.

SpotMe is not a deposit method in the traditional sense — you are borrowing against future income rather than adding cash. However, if you need money urgently and are expecting a paycheck soon, it can bridge the gap without a fee. The borrowed amount is automatically deducted from your next direct deposit.

This option only works if you receive regular direct deposit. If you do not, or if you need more than SpotMe offers, use one of the other methods instead.

Having someone else deposit cash on your behalf

A friend or family member can deposit cash into their own bank account and then send it to your Chime account using ACH transfer or Zelle. They log into their bank's app, initiate a transfer to your Chime account using your routing and account numbers, and the money arrives within one to two business days. Alternatively, if both of you use Zelle, they can send money directly through that service, which often completes within minutes.

This method is free and works if you do not have another bank account yourself. The downside is that it depends on someone else's willingness to help and their access to a bank account. It also takes longer than retail deposit services if you use ACH.

What to avoid when depositing cash

Do not attempt to deposit cash by mailing it to Chime or leaving it at a retail location without using an official deposit partner. Chime does not accept mail deposits, and cash left at a store will not reach your account. Stick to the methods listed above.

Also be aware that frequent large cash deposits may trigger fraud monitoring at Chime or at any bank you transfer through. If you are depositing cash regularly, keep records of where the cash came from so you can explain it if asked. This is standard banking practice and not specific to Chime.

Frequently Asked Questions

Can I deposit cash at a Chime ATM?

No. Chime ATMs only dispense cash; they do not accept deposits. You must use one of the methods described above to add cash to your account.

How much does it cost to deposit cash at a retail location?

Fees vary by the deposit partner and the amount you are depositing, typically ranging from $1.50 to $5. Check the Chime app to see the exact fee before you complete the transaction.

How long does it take for cash deposited at a retail location to show up?

Most retail deposits post immediately or within one business day. The Chime app will tell you the expected timing when you initiate the deposit.

Can I deposit cash if I do not have a Chime card yet?

You need an active Chime account to deposit cash through any method. If you have not received your physical card, you can still use your account number and routing number to receive transfers from other accounts or to initiate retail deposits using your account information.

What if I need to deposit a large amount of cash?

Retail deposit services often have per-transaction limits, usually $500 to $1,000. If you need to deposit more, you can make multiple transactions over time, or transfer from another bank account if you have one. Contact Chime support if you have questions about deposit limits on your specific account.