Does Walmart Load Chime Cards? All You Need to Know

Last updated: 15 Oct, 2023 |
Does Walmart Load Chime Cards Everything You Need to Know

In our modern world, managing your finances can sometimes be challenging. That’s where Chime Cards come in handy. They’re a fantastic tool for handling your money, and the best part is that topping them up is a breeze.

You might be surprised to learn that you can load money onto your Chime Card at a place you likely visit regularly: Walmart!

This guide is here to help. It will walk you through the process of loading money onto your Chime Card at Walmart, step by step. It’s all about making financial management as simple as possible for you. So, let’s get started!

What is a Chime Card?

Chime’s debit card offers several services without monthly maintenance costs or foreign transaction fees. Chime cards are accepted at approximately 90,000 US retail outlets, making them unique. Walmart, CVS, 7-11, and Walgreens use this adaptable payment method.

How Does a Chime Card Work?

Chime is a financial institution that offers user-friendly banking solutions with attractive benefits. Here’s an overview of how a Chime Card operates:

  • No Monthly Fees: When you open a fee-free checking account with Chime, you won’t encounter any monthly fees, overdraft fees, or minimum balance requirements.
  • Extensive ATM Access: Chime provides access to over 60,000 ATMs nationwide, ensuring you can conveniently withdraw cash when needed.
  • Direct Deposit: Setting up direct deposit with Chime lets you receive your paychecks as quickly as possible, enhancing your financial management.
  • Interest-Free Credit Card: Chime offers an interest-free credit card, the Chime card, which doesn’t require a credit check or an annual fee. It’s a valuable tool for building and managing credit.
  • Widespread Acceptance: Since Chime cards are Visa-branded, they are accepted as a payment method wherever Visa is recognized, providing you with flexibility and convenience.

Loading Limits: The amount on your Chime card is limited. Chime allows $1,000 daily deposits, which you can then pay with. You are allowed only three deposits each day and can only load $10,000 per month.

How do you upload a Chime Card at Walmart?

Loading your Chime card can typically be done at various locations without incurring fees. However, it’s advisable to research each location’s fee policy, as some may charge fees for this service. Here are the general steps to load your Chime card:

  1. Find the Nearest Location: Locate the nearest retail location that allows Chime card loading and visit it.
  2. Visit the Cash Counter: Go to the cash counter at the location where you can load your card.
  3. Provide Your Card: Hand over your Chime card to the cashier to begin loading.
  4. Make the Payment: You must pay the desired amount in cash for the loading service. Most locations accept cash for this purpose.
  5. Card Swapping: The cashier will load your card by adding the money.
  6. Ready to Use: Your Chime card will be ready once the loading steps are completed.

It’s worth noting that Walmart charges a small transaction fee for this service, which can be up to $3.74 per deposit. However, the convenience and accessibility of loading your Chime Card at Walmart make it a practical option for many users.

The Procedure for Uploading a Chime Card at Walmart

How to Set Up Direct Deposit With A Chime Account?

If you’re looking for an even more convenient way to manage your finances, Chime offers the option to set up direct deposit for recurring payments. Whether you receive payments from an employer or a government agency, setting up direct deposit with your Chime account is straightforward.

Step 1: Gather Your Chime Account Information.

To initiate direct deposit, you’ll need your Chime account and routing number. You can quickly locate this information within the Chime app. Open the app and navigate to your settings by tapping the gear icon in the top left corner. From there, select “Account Information” to access the required details.

Step 2: Submit the Direct Deposit Form.

With your Chime account information, you can set up direct deposit. There are two methods to choose from. Let’s Explore this in more detail.

How do you make a direct deposit using Chime’s Form?

  • Go to the “Account Information” tab under your settings page in the Chime app.
  • Click “Set Up Direct Deposit.”
  • Select “Get direct deposit form.” You will instantly receive a PDF version of the form via email.
  • Download the PDF and fill it out.
  • Send the completed form to your company’s HR department, payroll manager, or supervisor.

How do you set up direct deposit online?

  • Log in to your employer’s online portal.
  • Navigate to the payroll section and find the “direct deposit” feature.
  • Enter your Chime account number and routing number.
  • Specify the amount of your paycheck to be deposited directly into your Chime account each pay period.
  • Save and confirm your changes.

Contact your employer for any issues during the direct deposit setup process. If your employer confirms everything is configured correctly, but you’re still experiencing difficulties, contact Chime’s customer service department for assistance.

Why Consider Setting Up Direct Deposit with Chime?

Here are some compelling benefits:

  • Early Salary Deposits: Chime allows you to receive your salary up to two days earlier than traditional bank customers. This is because Chime processes direct deposits as soon as they are received from your employer.
  • SpotMe Feature: Eligible Chime members can enroll in SpotMe, which provides overdraft protection of up to $100 with no fees. This can be helpful if you accidentally overspend your account.
  • Credit Builder: Chime offers eligible customers access to a credit card, helping them build their credit scores through automatic payments. This can help you qualify for better loans and interest rates.

When Can You Load Your Chime Card at Walmart?

Walmart operates within specific hours, and the timing of your Chime card loading matters. Walmart typically opens between 7 and 8 a.m. and closes from 10 to 11 pm on weekdays, Saturdays, Sundays, and most public holidays (excluding Christmas Day). For precise store hours, use the online store finder.

When Will Your Loaded Money Reflect in Your Account?

After depositing money at Walmart, it typically takes around two hours for the funds to appear in your Chime account. This is because Chime uses a mobile check deposit system, which requires time for the check to be cleared. You’ll receive updates and notifications regarding the availability of your funds on your registered mobile number.

What are the Other Ways to Load Chime Cards?

While Walmart provides a convenient option for loading your Chime Card, it’s not the only method available. Chime offers several alternatives to cater to your preferences and needs:

  1. Chime’s Nationwide ATMs: Chime boasts a vast network of over 60,000 participating ATMs across the United States. Using Chime’s ATM Locator tool, you can quickly locate a nearby ATM, ensuring easy access to your funds.
  2. Chime App’s “Move Money” Tool: The Chime app includes a “Move Money” tool for added convenience. Open the app, navigate to “Move Money,” and select “Deposit Cash.” The app will guide you to the nearest deposit location, making the process hassle-free.
  3. Retail Partners: Chime has established partnerships with over 90,000 retail locations nationwide, including major chains like Walmart, 7-Eleven, Family Dollar, CVS, Rite Aid, and Sheetz. You can conveniently deposit cash at a cashier’s register within these stores.

What are the Chime Deposit Partners?

Walmart isn’t the only game in town for loading your Chime Card. With over 90,000 Chime cash deposit partners available, you have a world of choices. If you’re looking for alternatives or additional options, here’s an extended list of retailers that gladly accept cash deposits:

  • Walmart
  • 7-Eleven
  • Walgreens
  • Speedway
  • Dollar General
  • Family Dollar
  • CVS
  • Rite Aid
  • Holiday Station Stores
  • Royal Farms
  • Kwik Trip Inc
  • Cumberland Farms Corp
  • Sheetz Incorp
  • TA Operating LLC (TravelCenters of America)
  • Pilot Travel Centers
  • Duane Reade
  • GPM Investments
  • Krause Gentle (Kum & Go)
  • Circle K Stores

Check the fees linked with your preferred location, as fees can differ from one merchant to the next. This vast network of deposit partners enables you to manage your Chime Card easily.

You must usually go to the place to load your Chime card. Some deposit partners may have online loading possibilities; nonetheless, it is critical to study and check whether online loading is accessible at your preferred location.

What are the Bank Transfers Options?

If you prefer not to visit a physical location, you can use bank transfers to load your Chime card. If you have an account at one of the following banks, you can initiate a transfer:

  • U.S. Bank
  • TD Bank
  • Chase
  • Capital One
  • Charles Schwab
  • SunTrust
  • PNC Bank
  • Wells Fargo
  • Navy Federal
  • Fidelity
  • USAA
  • Citibank
  • Bank of America

Bank Transfer Details: Depending on the location and policy, this might change.

BankTransfer Limit (Monthly)Transfer Limit (Daily)
U.S. Bank$25,000$10,000
TD Bank$25,000$10,000
Capital One$25,000$10,000
Charles Schwab$25,000$10,000
PNC Bank$25,000$10,000
Wells Fargo$25,000$10,000
Navy Federal$25,000$10,000
Bank of America$25,000$10,000

The process is straightforward:

  1. Access Your Chime Account: Access your account using the Chime mobile app.
  2. Select “Move Money” and “Transfers.”: Navigate to the “Move Money” section and select “Transfers.”
  3. Add Bank Account Details: Enter your bank account’s username and password.
  4. Initiate Transfer: You can use bank transfers to transfer money into your Chime card. This method has a limit of $25,000 per month and allows you to transfer up to $10,000 per day.

Please note that bank transfers may take longer to process than in-person loading, with a waiting period of up to 5 days for the money to reach your Chime account.

What is the Chime Card Reload Fees?

The fees associated with reloading your Chime card can vary depending on the location. Some locations offer free loading services, while others may charge a fee. You must know the fees at your chosen location to avoid surprises. For example, Walmart typically charges a fee of $3.74 or less per transaction, depending on where you are performing these transactions.

Walmart$3.74 or less
Duane ReadeFree
Dollar GeneralVaries

Final Words

Loading your Chime Card at Walmart is a simple and convenient procedure. You can guarantee that your Chime Card is funded and ready for your financial requirements by following the procedures provided in this article.

Whether you go with Walmart or another option, Chime provides the flexibility and accessibility you need to satisfy your banking needs. Manage your money wisely, set up direct deposit, and take advantage of the numerous advantages of banking with Chime.

You might find these helpful:

Can I Reload My Credit Karma Card at Walmart?

Can I Load My Venmo Card at Walmart?

Can I Use My Sezzle Card At Walmart?


Can you get a Chime card at Walmart?

No, you cannot obtain a Chime debit card directly from Walmart. To acquire a Chime debit card, you must complete an enrollment process on Chime’s official website or through the Chime app.

Can you withdraw money from your Chime card at Walmart?

You can withdraw money from your Chime account at Walmart using Walmart’s cashback feature. This service allows you to access your funds conveniently without incurring withdrawal fees. Use any register, including self-checkout, for this purpose.

How much does Walmart charge to load a Chime card?

Walmart charges a transaction fee of $3.74 or less for each Chime card load. The exact fee will vary depending on the amount you load.

Where can I load my Chime card for free?

You can load your Chime card for free at any Walgreens or Duane Reade location.

Where can I load cash on my Chime card?

You can load cash on your Chime card at any Walmart, Walgreens, Duane Reade, CVS, or Dollar General location. You can also load cash on your Chime card at other retailers, such as Ace Cash Express and Check Into Cash.

What is the Chime limit at Walmart?

You can load up to $1,000 onto your Chime Card at Walmart within 24 hours. Additionally, you can deposit up to $10,000 into your Chime account each month.


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Faisal Mian

With a decade of experience as a manager, advisor, and marketer in the retail and consumer service sector, I understand the intricacies of the shopping landscape. I’m committed to delivering valuable insights to enhance your shopping endeavors.

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