Chime card deposit limits vary by method, but for cash deposits at retail stores you can add up to $3,000 per day and $10,000 per month, with a maximum of five deposits each day. Direct deposits, bank transfers, and mobile check deposits each have their own rules, so understanding these chime card deposit limits helps you plan how much money you can put into your account. Knowing the Chime card withdrawal limit is equally important, so you can access your funds without hitting a daily cap, and you can avoid out-of-network fees by using the Chime card cash withdrawal locations.
Cash deposit limits at retail stores
Cash deposits are the most restricted way to load your Chime card. You can make up to five cash deposits per day, with a daily maximum of $3,000 and a monthly maximum of $10,000. Deposits are free at Walgreens and Duane Reade locations, where the minimum cash deposit is $20. Other retail partners, including Walmart, CVS, 7-Eleven, Dollar General, Family Dollar, Circle K, and Speedway, may charge a small fee for cash deposits. Chime does not accept cash deposits at ATMs, so you must visit a retail location to add physical currency.
Direct deposit limits
Direct deposits, such as paychecks or government benefits, have no specific maximum limit on the amount you can receive per deposit or per month. However, Chime’s SpotMe® and MyPay features set their limits based on your direct deposit activity. SpotMe® allows eligible members to overdraw their Checking Account up to a personal limit, which can reach $200 or more depending on account history and direct deposit frequency. MyPay credit limits range from $20 to $500, also determined by your direct deposit history and account behavior.
Mobile check deposit limits
Mobile check deposit limits are not fixed numbers; they are personalized and set automatically by Chime based on your account history, how long you have had the account, and your overall activity. Most mobile check deposits post within one to five business days. To see your specific mobile check deposit limit, check the Chime app, as the amount can change over time as you build account tenure and consistent usage.
Bank transfer limits
When you transfer money from an external bank account into your Chime account, the limits are typically set by the external bank, not by Chime. Chime itself does not impose a separate limit on incoming transfers from linked bank accounts. If you need to move larger sums, check with your external bank for their daily or monthly transfer caps, as those will govern how much you can send.
Other Chime card limits to know
Beyond deposit limits, several related features have their own caps. The Chime Credit Builder Card’s spending limit equals the amount you move from your Chime Checking Account into its Secured Deposit Account, it is not a preset credit line. SpotMe® and MyPay limits are based on direct deposit activity and account history, as noted above. If you ever need to temporarily stop transactions, you can use the app to lock your Chime card instantly if it is lost or stolen, which prevents any new purchases or withdrawals until you unlock it. Remember, cash cannot be deposited at ATMs, so retail locations remain the only option for adding physical currency.
