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Does Chime Work With Zelle? Is it good to Integrate? (All Latest Information)

Americans have been using credit cards since the early 1970s. Back then, the technology of money transfers without cold hard cash was limited to plastic cards that had to be swiped at department stores to make the transaction. Ever since the internet revolution and the invention of payment services like PayPal took over our cultural zeitgeist, the genie was out of the bottle and couldn’t be contained.

Fintech was the most to benefit from the tidal wave that was the internet. Online payment services and internet banks dominate the online space, with services from investment to cash advance apps like Venmo and Cash App, to name a few. Zelle and Chime were two of the most prominent names to come out of this and the Chime and Zelle combination has garnered huge interest.

Zelle is a payment service much like Paypal, that transfers money between accounts, acting like a digital wallet. Chime is on the opposite side of the spectrum, acting as an online bank, and providing services such as savings accounts, checking accounts, investment portfolios, loans, etc. This brings us to the question at hand, does Chime have Zelle? Are they compatible? 

Zelle: An Introduction


Before determining whether the Chime Zelle combination works, we must understand both Zelle Chime. Let’s start with Zelle. 

As mentioned, Zelle is like Paypal–a digital payment service that transfers money from one account to another among your close ones. It works with the same principle as Venmo does as well. Founded under clearXchange in 2011, Zelle began its operation by connecting close one’s bank account from different banks. The idea was to make money transferring easier without standing in long queues. Zelle partnered with the country’s most trusted and reputed banks, like Wells Fargo, JP Morgan, Bank of America, and many more. 

In 2015, Zelle was capable of starting its real-time payment service. Back then, Zelle enabled the transfer of funds from one account to another within the registered user base ecosystem. Zelle still needed a few features that other digital apps like Venmo and PayPal had. To register on Zelle, you must mention your valid MasterCard or Visa. There wasn’t any need to open a digital wallet as Zelle directly gets connected to the bank account.

How Does Zelle Work?

Whether contributing to snacks on a movie night with friends or paying money to your kid’s babysitter, Zelle is the most convenient way to send money to users. Here’s how. 

Registering On Zelle

Registering on Zell is simple. If you have your bank’s application on your phone, you can register in that app, provided your bank supports Zelle. If it doesn’t, you must download the app on your phone with your phone number, valid email Id, and debit card. The account gets connected to your bank account. 

Choosing Your Payee

Zelle can send money to someone once they register using a phone number or email address. Look for contact numbers registered to Zelle. Pick someone with whom you want to send money. Click on the number.

Send the Amount

Enter the sum of money that you wish to send. If your receiver is registered with Zelle, they will receive the money immediately. Otherwise, they will receive a message enumerating step-by-step how to get the money simply and conveniently. 

Chime: An Introduction


Let’s understand Chime in detail. You must understand that Chime is not a traditional bank, with physical locations. Chime is an online financial and technological institution that provides traditional banking services online. It doesn’t have any physical offices like other traditional offline financial institutions. Chime is not considered a bank, but it issues and doles out Visa and Mastercard for its customers. So, it is important to know this background in order to answer the question: “What bank is Chime on Zelle?” and the context and workarounds regarding Zelle not working with chime, even though most economic services, including payday loans that accept chime.

Bancorp and Stride run the Chime app. Founded in 2012, Chime provides banking services like savings accounts, checking accounts, and investment portfolios. Chime is also renowned for its short-term loan services, providing advance cash loans with no interest. You have to return the money within your next salary day or payday. In 2019, Chime went on to become a $6 billion company, and there are rumors it is preparing to go public. 


Before getting to the Zelle Chime combo, let’s dive into some of the chime’s features.

  • Chime has provisions for an interest-free checking account. It has no requirement of having a minimum balance or annual maintenance fee.
  • You can use Chime’s Visa Debit card to withdraw money from over sixty thousand ATMs without any transaction fee.
  • Chime provides insurance up to $250,000, approved by the Federal Deposit Insurance Corporation.
  • Chime provides cash advance services with no interest fee charged. Numerous payday loans accept chime, and it is a prominent player. The credit builder feature boosts the credit score by 30 points on average. 
  • The banking app has transaction alerts and security features like fingerprint authentication. 
  • It is not a second-chance bank account, meaning it has no overdraft protection. 

Do Chime and Zelle Work Together?

Now, for the million-dollar question– Does Chime have Zelle? How compatible are they? Does Chime work with Zelle? As of now, Zelle and Chime don’t work together and have no partnership. This is why, Zelle cannot send money directly to Chime users, and Chime users cannot register in Zelle through normal means. Despite not supporting each other at the moment, they are not entirely incompatible.

Zelle generally works better with JP Morgan and Wells Fargo, as they are established financial institutions with better infrastructure. However, Zelle has limitations in compatibility with online fintech like Chime. While Chime doesn’t explicitly support Zelle, and the two aren’t integrally compatible, the two apps can still be linked to transfer and receive money. Because of this, chime doesn’t have Zelle enlisted within them. 

This is why Zelle not working with Chime directly is a little inconvenient. At any rate, there are still other ways to make it work. 

Setting Up Chime With Zelle

Chime and Zelle may not work together naturally, but here are the steps to linking Chime Zelle: 

  1. Download Zelle from the Google Play store or Apple Store. It is free of charge.
  2. Register in the app with your email, debit card, and phone number.
  3. There should be a list of banks you could link up with. Chime won’t be there.
  4. Click the “Don’t See My bank” option and type chime.
  5. Mention your debit number, CVV, expiration date, and the name on your credit card.
  6. Click on Continue.
  7. Pick a strong password and type it.

How Fast is Zelle Payment? 

How Fast Is Zelle Payment?- Chime zelle

Now that we discussed it, does Zelle work with Chime? Let’s talk about the fast payment facility. Zelle generally takes minutes to transfer money to other bank accounts. Zelle is like Paypal–a digital payment platform that enables the transfers of money or funds from one account to another, among close ones, while making payments, paying bills, etc. It works on the same principle that is used by Venmo. 

Founded under clearXchange in 2011, Zelle began its operation by connecting close one’s bank accounts from different banks. Zelle does best with banks like Bank of America or Wells Fargo; however, it’s outside of its compatibility range when it comes to Chime. The money can take 1 to 3 business days to reach the bank account.

This is because Chime checks and scans the sender’s or receiver’s identity in order to allow the transaction. So, does Chime use Zelle? It does, but it takes time for Zelle Chime to be integrated. 

Frequently Asked Questions (FAQs)

Q1. Can Chime receive money from Zelle?

If you were asking if you can use Zelle with Chime, your answer is yes. It will take a few days for the money to be received. You can receive cash from Zelle via a few steps.

Q2. Are there fees for using Chime with Zelle?

Chime Zelle are fee-free apps that charge no transaction charge on transferring money. Zelle works on the principle of Venmo. It’s just the same as adding money to Venmo.

Q3. What is the transfer limit for using Chime with Zelle?

The combination of Chime Zelle has a transfer limit of $500 in total. Chime or Zelle don’t impose daily limits, but the overall limit is $500.


According to New Hampshire, 60% of all global citizens currently use one digital wallet. Around 65% of Americans use digital wallets, so Chime Zelle jumped at the opportunity. What bank is Chime on Zelle? Zelle is a payment service that transfers money from one account to another; Chime acts as an online bank. Many economic services such as school fees, hospital bills, etc. that accept chime, and other online wallets are present. 

Both are efficient and easy to use, but they aren’t compatible. The process for sending is lengthy but possible and easy. The money is sent within a few days. But sometimes, many fraudulent practices happen through these apps. So please send your money only to the people and organizations that you trust and have researched extensively. You must verify your receiver’s identity before sending the money. If you encounter an unauthorized transfer, report it to the concerned authority.

Author Profile

David Garcia
David Garcia
David Garcia is a nationally-recognized consumer and money-saving expert who helps people make smart decisions with their money. He has been featured on NBC’s Today Show, Good Morning America, ABC News, and CNBC as well as in The New York Times & other media outlets. With more than 13 years of experience in the personal finance space, David is an experienced writer and researcher. He has written for major publications where he provides readers with actionable advice to save money on groceries, insurance, and more. With his work for various publications, David is an active contributor to the Credit Card Insider blog where he shares insights into credit cards such as rewards programs and interest rates.

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