Does Chime Work With Zelle? Check This New 2023 Guide

Does Chime work with Zelle

You probably hit Google with the the search term “Does Chime work with Zelle“? You are not alone as about 1.9k other people are searching Google for this keyword too. In this article today, we have released a latest update on the question. Do well to grab a cup of tea or coffee (depending on the one you prefere) while you read along.

But before we answer the big question, we want to take a brief look at what Chime and Zelle are individually.

Does Chime Work With Zelle: What is Chime?

Chime logo Edited

Chime is a fintech designed to help with basic banking services and is currently free (as of writing). It is a an upcoming digital bank that has gained people’s trust already. It comes with many monthly benefits like the overdraft, free ATM withdrawals, and free money transfers.

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The last benefit is something that would blow minds and it has got people asking questions like does Chime work with Zelle? Can you use Zelle on Chime? (Relax we will get to that).

Does Chime Work With Zelle: What is Zelle?

zelle logo Edited

Zelle is one of the fastest, safest means of sending money to, and recieving money from people and businesses who you know and trust have a US bank account.

It can be likened to other mobile payment options like PayPal, Venmo, Cash App and many others. The name Zelle is a recent adoption as it was formerly known as ClearXchange. And the aim of ClearXchange back in 2011 was to bring together many people using many different banks.

Understanding How Chime and Zelle Works

does chime work with paypal Edited

Your question “does Chime work with Zelle” is still relevant and we will work you around on how to set it up. Chime is only a mobile banking app that serves you how a traditional bank would. It provides all the services a traditional bank would offer. It is a fintech that provides its services through the help of two banks: The BanCorp bank and Strides Bank.

Zelle however, is a completely free money transfer service. It is in collaboration with seven banks including JP Morgan Chase, Bank of America, Wells Fargo and many others.

If your question still is: does Chime work with Zelle? My answer would be yes because Zelle allows you to transfer money from one US bank to another using just email address or phone number.

And Chime cannot be written off as a US bank because it is to a US bank account given by either The BanCorp bank or Strides Bank. So it is somehow possible to make Chime work with Zelle.

Does Chime Work With Zelle? Find Out!

You must have been waiting for the answer to this big question. There is a good news and a bad news. The bad news first, Chime does not work with Zelle, at least not directly. The good news? Although there is no built-in feature that allows Chime work with Zelle, you may be able to still use a Chime account with Zelle (calm down, explanations are coming).

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Does chime work with Zelle? No. The reason Chime does not work with Zelle directly is because Zelle supports just brick-and-mortar banks at the moment. That simply means they work with banks that has physical branches. But by linking your Chime Debit Card through Zelle app you can use Zelle with Chime. Zelle has a money transfer service that allows you money from your Chime account when you add your Credit Card.

Although a lot of users are recently complaining about this method not working because Chime Debit Card is classified under “prepaid card” which is not compatible with Zelle now. You could still try this and it would work for you (besides there is no harm in trying).

Does Chime Work With Zelle? How to Make it Work

Here is the final solution and answer to your question: does Chime work with Zelle? It is very simple and swift to integrate Chime in Zelle but the process differs slightly from banks that has built-in Zelle feature.

Below is a step by step tutorial to make Chime work with Zelle:

Step 1: Download and Install Zelle

The first step is to head over to your Google Playstore (for Android users) or Apple App Store (for iPhone users) and download and install the Zelle app. You can user this link to download Zelle from Playstore and this one to download Zelle from Apple App Store.

Step 2: Open a Zelle Account

When you are through with download and installation of Zelle, you have to open an account using a US phone number for verification purposes. When you open your App, you will meet a screen looking like the screenshot we have below:

Zelle Sign Up

  • Click on the “Sign up” next to ‘Don’t have an account?’
  • On the Next page enter you US phone number and tap “Continue”
  • Accept the terms if you have read and agree (I know you bare read, lol).

Kindly skip step 2 if you already have an account.

Step 3: Find Your Bank

You proceed, you will have to find your bank first. Just look out for where says “where do you bank?” and type in “Chime.” Chime is not going to come up, so tap on “Don’t see your bank?”

Step 4: Add Your Chime Debit Card

If you didn’t find your bank. the next screen will ask you to add your debit card. Do well to enter your Chime debit card number since this is what you have been looking for (You are already getting too excited. I told you your there is answer to your question: does chime work with zelle?).

Step 5: Choose Your Password

Finally you have to choose a password to get your Chime working with Zelle. Use a password that would be difficult to guess yet easy to remember.

SEE ALSO: How Use Hancock Whitney Routing Number For Easy Wire Transfer 2023

I told you it was that easy. You landed here from Google with the following search terms probably:

  • Does Chime work with Zelle?
  • Zelle not working with Chime
  • Does Zelle work with Chime?

Does Chime Work With Zelle? 2023 Alternative Method

There is an alternative method of linking your Chime to Zelle in 2023 which is even faster and simple. Kindly follow the steps below.

  • Login to your Chime App.
  • Go to “Settings”.
  • Tap on “Link a bank account”.
  • Select one of the bank accounts mentioned.
  • Enter the login details.

You can transfer money from an external bank to Chime and expect to get it within 5 business days according to Chime website.


You came here asking “does chime work with zelle?” and you have been answered yes. Although it looked impossible, you have seen how you can easily add your Chime to Zelle and be apple to complete transactions. Do well to use the comment section to inform us about your experience.

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