William Lipovsky
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
- Fee: None[1][3]
- Limits: Three deposits per day; maximum amount of $1,000 per day and $10,000 per month[1][6][3]
- Find a Location
CVS
- Fee: None[7][4]
- Limits: $1,000 per day; you must show ID for amounts of $300 or more.[7][4]
- Find a Location
Walmart
- Fee: Up to $3.74[5][8]
- Limits: Minimum of $20 per transaction and a maximum of $1,000 per day[5][8]
- Find a Location
Dollar General
- Fee: $4[9][10]
- Limits: $500 per day[9][10]
- Find a Location
Family Dollar
- Fee: $4[11]
- Limits: $500 per day[11]
- Find a Location
Kwik Trip
- Fee: Varies by location; may be anywhere from free to $5[12][13]
- Limits: $500 per day[12]
- Find a Location
TravelCenters of America
- Fee: Varies by location from about $1.50 to $5[14]
- Limits: $500 per day[14]
- Find a Location
Smith’s
- Fee: Varies by location from about $3 to $5[15]
- Limits: $500 per load[15]
- Find a Location
7-Eleven
- Fee: Varies by location[16]
- Limits: Vary by location[16]
- Find a Location
Rite Aid
Pilot Flying J Travel Centers
- Fee: Varies by location from about $4 to $5[20][21]
- Limits: $500 per day[20]
- Find a Location
Holiday Stationstores
- Fee: Varies by location from about $4 to $5[22]
- Limits: $500 per day[22]
- Find a Location
Royal Farms
- Fee: Varies by location; generally $4 to $5[23][24]
- Limits: Vary by location; generally $400 to $500[23][24]
- Find a Location
Cumberland Farms
- Fee: $5[25]
- Limits: $1,000 per day and $10,000 per month[26][27]
- Find a Location
Kroger
- Fee: $5[28]
- Limits: $500 per load and $1,000 per day[28]
- Find a Location
Sheetz
- Fee: $5[29]
- Limits: $500 per load and $1,000 per day[29]
- Find a Location
Kum & Go
- Fee: Varies by type of card; generally about $5[30][31][32]
- Limits: Vary by type of card; generally $500[30][31][33]
- Find a Location
Circle K
- Fee: $5[34]
- Limits: Vary by card type and location[34]
- Find a Location
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]
