Zelle Not Working With Chime? 3 Fixes

Updated: January 30, 2023 | Egbujor Victor
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Zelle not working with chime is a trouble encountered by users who might have tried linking their chime debit card to their Zelle Account and it proved abortive.

If you’d like to know the reason why your Zelle rejected your chime then you’re on the right page.

Chime is a popular online banking platform that offers a range of financial services to its customers, including checking and savings accounts, debit cards, and direct deposit. It helps in managing your finances.

Zelle on the other hand is a digital payment platform that allows users to easily send and receive money from other users, regardless of whether they have a Chime account or not.

Chime as a financial technology company offers you the convenience and ease of accessing your money from any traditional bank.

Before we dive into fixing this issue, it’s important you know if chime and Zelle are compatible.

The short answer is, you can transfer money from chime to Zelle but you can’t send money from Zelle to chime.

Although, the latter was possible until Zelle started declining Chime debit cards claiming it was a prepaid card thus making them incompatible.

In this article, we’re going to show you workarounds you can implement if your Zelle is not working with Chime.

Does Zelle Work with Chime?

This is the first question that you should ask yourself if you tried linking your chime debit card several times and it fails.

While chime has a “send money with Zelle” option on its dashboard, Zelle doesn’t allow you to directly link a chime card to your account.

This started happening recently after the system flagged the Chime card as a prepaid card when trying to link the card directly.

In the next section, we’ll give you three actionable tips you can implement to resolve this trouble.

How to Fix Zelle Not Working With Chime (3 Fixes)

If you’ve been trying to link your chime debit card to your Zelle account and it’s giving you troubles then you should do any of these.

Also, you should consider downloading the Zelle app for this procedure rather than using the website version.

Use the “Don’t see your bank?” Option

Zelle doesn’t allow you to link your chime directly to your account because it isn’t affiliated with any bank supported by the platform.

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However, there’s an option that you can use to link external cards or banks that aren’t supported by Zelle and that’s the “don’t see your bank” option.

  1. Firstly, open the Zelle App and complete your account setup
  2. Now, click on “where do you bank” and look for a menu called “Don’t see your bank?
  3. You can now fill in your chime debit card details such as your card number, expiry date, and security code.
  4. Finally, select a secured password that can be used to authorize your transactions from the card.


Link a Supported Bank or Card to Zelle and Chime

If you’ve tried the above method and it is not successful then you should try linking a supported bank to your Zelle and chime account.

This will provide ease in moving money from your Zelle account and then adding the funds into your chime account.

You can use the “Transfer from an external bank” option on your chime dashboard to load money into your account.

Banks such as B.O.A and Capital One are examples of banks that fit into this category. Also, while this method might encounter a delay, it works just fine.

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Contact Chime or Zelle Support

If the issue persists after trying the above fixes then you should consider reaching out to chime support and reporting the problem you’re experiencing.

They’ll be in a better position to provide you with the specifics needed to make Zelle work with your chime account.

Also, you can reach out to Zelle support and hear what they’ve to say regards the trouble.

Is Zelle compatible with Chime?

While it is possible to directly send money from chime to Zelle, there’s no way to directly send money from Zelle to chime.

Zelle is only compatible with banks with physical structures such as JPMorgan, Bank of America, Wells Fargo, etc meanwhile, Chime on the other hand is an online banking platform that offers a range of financial services to its customers.

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