What is a Chime Bank Card? A Chime Bank Card is a Visa debit card that you get when you open an account with Chime. This card can be used to make purchases anywhere that accepts Visa, and you can use it to withdraw cash from ATM machines as well.
When you first get your card, you will need to activate it and set up a PIN number. After your card is activated, you can start using it right away!
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Getting A Chime Card
When you open an account with Chime, you will receive a Visa debit card that is accepted worldwide.
You can make purchases using your Chime card in-store, online, or over the phone. Additionally, it can be used to withdraw cash from ATMs.
There are no fees associated with using your Chime card – there are no monthly or annual fees, and there are no foreign transaction fees.
Therefore, regardless of where you are, using your Chime card is a smart and convenient method to access your money.
Chime will mail the Chime Visa Debit Card to the applicant’s address within 7-10 business days of the account being opened.
Activate Your Chime Card
Once your Chime Card is delivered to your doorstep, follow the steps below to manually activate it.
- Install the latest Chime app on your Smartphone.
- Log in with the credentials and locate the card widget “Card Status” at the top of the app.
- Open the widget tap or click the “Activate Card” button.
Chime Account and Chime Card
When you open a Chime account, you get a straightforward banking solution. It’s a package deal that includes a checking account, a savings account, and one secured credit card. These three services are available via a straightforward mobile application. You can also manage your Chime account via a browser-based web site.
Customers that own a Chime account are unable to interact with Chime physically. They access the services through Chime’s retailer network.
Due to Chime’s lack of physical branches, several vital services like as deposits are provided through a diverse network of third-party shops. It’s a clever strategy for Chime, which operates as a fin-tech company and provides banking services via technical platforms such as its website and mobile app.
The Chime Debit Card enables ordinary purchases at all physical locations of its online retailers, but with added Chime perks such as the ability to deposit anywhere and secure transactions.
Where Can I use Chime Card?
- Chime Debit Card can be used for making purchases in stores just like any other debit card from other providers.
- It can be used to withdraw cash from ATMs. Like other debits cards, it allows you to withdraw cash from ATMs at over 60000 locations that accept Visa network cards.
- Chime is not a traditional bank. So, Chime’s Debit Card is different in the way it plays the role in overall experience with the company’s services. Chime Debit Card can be used to deposit cash or check to your account without the need to visit an ATM.
- A Chime card can be used to deposit cash through the third-party retailers on the list of Chime. These third-party retailers provide the physical front-end to the services provided by Chime. There are no outlets owned by Chime for customers/users to visit, the third-party retailers’ network is the place to go to.
- Chime Debit Card can be used to avail overdraft facility, called SpotMe.
Charges on Chime Card
Chime Card Charges
One significant and beneficial aspect of the Chime card is that it is completely free of charge. Simply ensure that you have sufficient funds in your account based on your card usage behaviour.
Outside of the United States of America, there are no fees associated with the use of the Chime Debit Card. This is another fantastic feature that makes owning a Chime Debit Card so appealing. To enable international use in the Chime app, it simply needs to be toggled on.
You only need to check that the country to which you wish to visit is not listed as a prohibited country. Before planning a foreign travel, consult Chime’s official website for the most up-to-date list of countries where usage is prohibited.
Chime Card Vs. Prepaid Cards
We have summed up some important differences between Chime Card and popular prepaid cards.
|Chime does not charge a fee for any kind of user activities or services like overdraft, maintenance, service, minimum balance, and foreign transactions.||Prepaid cards do charge for one or more services like ATM withdrawals and funds transfer.|
|Chime accounts and cards can be operated with a user-friendly Mobile App to do routine tasks like spending, saving, sending payments to friends or relatives, money transfer, depositing checks, and paying bills.||Prepaid cards provide only basic services like check deposits, bill payments and access to transaction history.|
|Cash withdrawals are available at around 40K fee-free ATMs||Most Prepaid cards allow ATM cash withdrawal but with a fee|
|Chime is secured with 128-bit AES encryption for all the transactions to protect users against any kind of online snooping. You get message alerts and two-step authentication. It can be easily blocked in case of an unauthorized transaction no done by you.||Prepaid cards do not offer extensive security that may match Chime in any way.|
Is my Chime Debit Card Safe?
Chime Debit card keeps up with the latest applicable options and trends. This is clear from the rollout of EMV (chip) cards for all the users. Chime Card with an EMV chip ensures the complete safety of your money and data.
Users who don’t have the EMV chip card can send a request for the EMV cards if required. It is quite easy to do with the Chime app on your phone by navigating to the Support section of the app.
Can I get my Chime Card Replacement?
Ease of replacement is another good feature of the Chime card that can be done through the app. A replacement of a card can be obtained in the case of a lost or damaged card. The replacement card usually arrives within 7 to 10 days of placing of request in the Chime app.