Where Can You Load Your Chime Card? 21 Options Detailed

Person taking cash out of a wallet to load their Chime card

You can load cash onto your Chime Card at over 90,000 retail locations nationwide, such as Walgreens, Walmart, and CVS.[1][2]

You can also deposit checks to your account through mobile deposit, receive payroll by direct deposit, and transfer funds from external bank accounts to your Chime account.[1][2]

Below, we detail where you can load your Chime Card in person and online, including the associated fees and limits.

What We Recommend

For cash loads, Walgreens or CVS are the best places to load your Chime Card.

Cash loads are free at both retailers, and they each have limits of $1,000 per day, which is the maximum allowed by Chime.[3][4]

If there isn’t a Walgreens or CVS in your area, Walmart is an option local to most, and its daily limit is the same — $1,000. However, it charges a fee of up to $3.74 per load.[5]

Note that cash deposits usually become available on your Chime Card within minutes, though it may take up to two hours. You can make up to three cash deposits every 24 hours.[1]

For online loads, the best option will vary depending on the type of funds you’re loading. Free mobile deposit is available for checks; you can also set up direct deposit or make transfers from a bank account into your Chime account.

The List

The following companies allow you to load your Chime Card in person with cash. Our list begins with the overall best options based on their fees, limits, and national availability.

We gathered this information by contacting locations in Oregon, New Mexico, Florida, Pennsylvania, and Minnesota, as well as reaching out to corporate representatives and reviewing policy documentation online.

Walgreens logo

Walgreens

CVS logo

CVS

Walmart logo

Walmart

Dollar General logo

Dollar General

Family Dollar logo

Family Dollar

Kwik Trip

Travel Centers of America logo

TravelCenters of America

Smiths logo

Smith’s

7-Eleven

Rite Aid logo

Rite Aid

Pilot Flying J logo

Pilot Flying J Travel Centers

Holiday Stationstores

Royal Farms logo

Royal Farms

Cumberland Farms logo

Cumberland Farms

Kroger logo

Kroger

Sheetz logo

Sheetz

Kum and Go logo

Kum & Go

Circle K logo

Circle K

Alternatives to Cash Loads

There are a few ways you can load your Chime Card aside from paying cash at a retail location.

These include mobile deposits, bank transfers, and direct deposits.

Mobile Deposit

  • Fee: None[35]
  • Limits: Up to $2,000 per check; you can deposit up to 10 checks and $10,000 in checks per month.[36]
  • Processing time: Generally soon after you make the deposit, but can take up to five business days[36]
  • How to load: Log into the Chime app. Tap “Move Money,” then “Mobile Check Deposit,” and follow the directions. To qualify, you must receive a direct deposit of at least $1 from an employer, gig economy payer, or government agency.[36]

Direct Deposit

  • Fee: None[35]
  • Limits: None[35]
  • Processing time: Chime offers early direct deposit, which loads your card up to two days before your scheduled pay date.[37]
  • How to load: You can either search for your employer/payroll provider in the Chime app, provide your Chime account and routing numbers to your employer/payroll provider, or request a direct deposit form in the Chime app to set up deposits.[37]

Bank Transfers

  • Fee: Vary depending on which bank you’re transferring from[35]
  • Limits: $10,000 per day and $25,000 per month[6]
  • Processing time: Up to five business days[6]
  • How to load: You can transfer funds from Bank of America, Capital One 360, Charles Schwab, Chase, Citibank, Fidelity, Navy Federal, PNC, SunTrust, TD Bank, USAA, U.S. Bank, or Wells Fargo in the Chime app. Tap “Move Money” and then “Transfers.” You can make transfers from banks not on this list through their own apps or websites using your Chime account and routing numbers.[6][2]

Places Where You Can’t Load Your Chime Card

During the course of our research, we found that you can’t load your Chime Card at an ATM or at the following locations:[1]

  1. https://www.chime.com/blog/how-to-deposit-cash-into-your-chime-account/[][][][][][]
  2. https://help.chime.com/hc/en-us/articles/224857347-Is-direct-deposit-the-only-way-to-add-funds-to-my-account-[][][]
  3. Walgreens store customer service representatives[][][]
  4. CVS store customer service representatives[][][]
  5. https://www.walmart.com/cp/rapid-reload/1101512[][][]
  6. https://www.chime.com/blog/chime-basics-how-to-move-money-into-chime/[][][][]
  7. CVS customer service (800) 746-7287[][]
  8. Walmart store customer service representatives[][]
  9. Dollar General store customer service representatives[][]
  10. Dollar General customer service via email, [email protected][][]
  11. Family Dollar store customer service representatives[][]
  12. Kwik Trip store customer service representatives[][]
  13. Kwik Trip customer service via email, [email protected][]
  14. TravelCenters of America store customer service representatives[][]
  15. Smith’s store customer service representatives[][]
  16. 7-Eleven customer service (800) 255-0711[][]
  17. Rite Aid store customer service representatives[][]
  18. Rite Aid customer service via live chat[][]
  19. Rite Aid customer service (800) 748-3243[][]
  20. Pilot Flying J Travel Centers store customer service representatives[][]
  21. Pilot Flying J Travel Centers customer service (877) 866-7378[]
  22. Holiday Stationstores store customer service representatives[][]
  23. Royal Farms store customer service representatives[][]
  24. Royal Farms customer service via Facebook chat[][]
  25. Cumberland Farms store customer service representatives[]
  26. Cumberland Farms customer service via email, [email protected].com[]
  27. Cumberland Farms Corp store customer service representatives[]
  28. Kroger store customer service representatives[][]
  29. Sheetz store customer service representatives[][]
  30. Kum & Go store customer service representatives[][]
  31. Kum & Go customer service via Facebook chat[][]
  32. Kum & Go customer service via email, [email protected][]
  33. Kum & Go customer service via email [email protected][]
  34. Circle K store customer service representatives[][]
  35. Chime customer service (844) 244-6363[][][][]
  36. https://www.chime.com/blog/chime-mobile-check-deposit-guide/[][][]
  37. https://www.chime.com/blog/how-to-set-up-direct-deposit-with-chime/[][]
  38. Albertsons customer service via live chat[]
  39. Albertsons store customer service representatives[]
  40. ALDI customer service via Facebook chat[]
  41. Costco customer service via live chat[]
  42. Costco store customer service representatives[]
  43. Home Depot customer service via live chat[]
  44. Home Depot store customer service representatives[]
  45. Hy-Vee store customer service representatives[]
  46. Publix store customer service representatives[]
  47. Sam’s Club customer service via live chat[]
  48. Sam’s Club store customer service representative[]
  49. Target store customer service representatives[]
  50. Target customer service via Facebook chat[]

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