Can I Load My Chime Card At Walgreens With $0 Fee?

When you can purchase munchies, buy and deliver medicines from Walgreens and even get something as eventful as flower bouquets at this store, it is only natural to wonder, can I load my Chime card at Walgreens too? Chime is an online bank, and its ease of money transfer is helping it build an enormous user base rapidly. If you are new to this, let me give you my two cents on the best locations and methods to reload your Chime card and how to do it for FREE!

Can I Load My Chime Card At All Walgreens Locations?

Definitely! Go to any of Walgreens’ 8,500+ locations, whichever happens to be closest to you. They have walk-in facilities where you can request the representative to load your Chime card. 

• You can make deposits from 8 AM-10 PM.
• Three deposits are the maximum that you can make per day.
• The everyday deposit cap is $1,000.
• The highest amount you can deposit in a month is $10,000.

Does It Take Long To Load Chime Card At Walgreens

Chime assures its customers that all the money deposited in their accounts will appear in two hours.

Using Walgreens, Walmart, CVS, or any of Chime’s deposit partners will not affect the speed at which your transaction is executed. You will have to wait for 2 hours after a transaction is done in any case.

Also, you can see the funds on the blockchain via their mobile app rather than waiting for the money to pop up in your account.

Two hours after reloading your card, you can quickly sign into the Chime mobile app (for iPhone and Android) to view your account balance. When a transaction concludes, Chime immediately alerts you via the phone number linked to your account that the funds have become accessible.

Charges To Load Money on a Chime Card

Any third-party store can charge up to $4.95 for each transaction to load money into your Chime card. This cost might vary between stores and could be under $4.95 in some places. Although Walgreens is quite expensive, there are no loading fees here!

While using the Chime mobile app, follow these procedures to get a list of retailers nearby that accept cash deposits:

1. Choose “Deposit Cash” with a click.
2. Then tap a blue icon on the “See Locations Near Me” option.
3. This will list the nearest retail stores that take cash deposits.
4. Open the app to find the exact transaction fee for a particular store.
5. In the top right side of the screen, click the “store” sign.

List of Other Locations Where You Can Load a Chime Card

As part of my study, I contacted multiple towns in Oregon, Florida, New Mexico, Pennsylvania, and Minnesota and gathered some valuable data.

Then I figured out a complete list of retailers where you can load money onto your Chime card. The top options are listed below based on fees, limits, and across-the-nation availability.

Retailer	Charged Fees ($)	Limits ($)
Walgreens	None	3 deposits/day; maximum of $1,000/day and $10,000/ month
CVS	None	$1,000/ day; you must show ID for $300 or above.
Walmart	Up to 3.74	Minimum of $20/ transaction; A maximum of $1,00/day
Dollar General	$4	$500/day
Family Dollar	$4	$500/day
Kwik Trip	Differs by location; may be between free-$5	$500/day
TravelCenters of America	Differs by region from about $1.50-5	$500/day
Smith’s	Differs by region from about $3-5	$500/load
7-Eleven	Differs by location	Differ by location
Rite Aid	Differs by location	Differ by location
Pilot Flying J Travel Centers	Differs by location from around $4-5	$500/day
Holiday Station stores	Varies by location from about $4-5	$500/day
Royal Farms	Varies by location; generally, $4-5	Differ by location; usually around $400/500
Cumberland Farms	$5	$1,000/day and $10,000/month
Kroger	$5	$500/load and $1,000/day
Sheetz	$5	$500/load and $1,000/day
Kum & Go	Differs by card type; usually around $5	Differ by location and card type; usually $500
Circle K	$5	Differ by location and card type

Here are some other locations where you can deposit funds in your Chime card:

• Speedway
• Duane Reade
• Holiday Station Stores
• GPM Investments

List of Places Where You Can Not Load Chime Card

• ALDI
• Target
• Albertsons
• Home Depot
• Hy-Vee
• Costco
• Publix
• Sam’s Club

Alternatives to Loading Cash on Chime Card

You can add funds to your Chime Card using several methods other than loading cash at a retail location. Although this one remains widely popular, here are other options.

Bank Transfer

• Fee: The fee varies depending on the bank you’re transferring from.
•  Limits: You can transfer up to $10,000 per day and $25,000 per month.
•  Processing Period: The transfer may take up to five business days.

To transfer funds, open the Chime app and select “Move Money,” followed by “Transfers.” You can directly transfer from Bank of America, Capital One 360, Charles Schwab, Chase, Citibank, Fidelity, Navy Federal, PNC, SunTrust, TD Bank, USAA, U.S. Bank, or Wells Fargo through the Chime app. For banks not on this list, you can use their apps or websites and add your Chime account and routing numbers to complete the transfer.

Direct Deposit

• Fee: Direct deposits are not subject to charges
• Limits: Direct deposits have no specific limits.
• Processing Period: Chime offers early direct deposit, loading the card up to two days before your regular payday.

You have lots of options for setting up direct deposits. Simplify the process; you can get a direct deposit form using the Chime app, look for your employer/payroll supplier within the app, and provide your employer/payroll provider with your Chime account and routing info.

Mobile Deposit

• Fee: Direct deposits are without charges.
• Limits: The maximum deposit per check is $2,000. You can put in up to ten checks worth $10,000 every month.
• Processing Period: The deposit becomes available immediately after you submit it. However, it can take up to 5 business days in worst-case scenarios.

Install the Chime app. Select “Move Money,” then “Mobile Check Deposit,” and follow the instructions. You must have a direct deposit of a minimum of $1 from an employer, a gig economy payer, or a government entity to use a mobile check deposit.

Tip! What’s The Best Place To Load Your Chime Card?

Walgreens or CVS are the most convenient locations for loading your Chime Card with money.

Both retailers provide no-fee cash loading, and their daily limits of $1,000 meet Chime’s daily allowance. Walgreens still happens to be my favorite spot as it offers reasonable cash back on purchases as well.

Walmart is a good option if CVS or Walgreens are unavailable in your vicinity, and it, too, carries a $1,000 daily spending limit. Walmart applies an extra charge of $3.74 for each load, so stay mindful of that.

Cash deposits usually appear on your Chime Card in minutes, though sometimes it can take as much as 2 hours. You can also make deposits up to three times in cash per 24 hours.

The best option for online loads varies based on the sort of funds you want to load. You can use the complimentary mobile deposit feature for checks. Set up direct deposit or transfer your banking account to your Chime account as an alternative.

Where Can I Load My Chime Card For Free?

The best bet is to go to a Walgreens or a Duane Reade facility. You can’t top up your Chime card at an ATM, so you need to go to a store, and these two are the only options that charge Chime cards for free.

Moreover, you can visit 7-Eleven, Walmart, CVS, Circle K Stores, Rite Aid, and other supported retailers, but they levy a fee for cash load. Here’s how the procedure works:

1. Use the Chime app to find nearby stores. Hit “Move Money,” then “Deposit Cash,” followed by “See locations near me.”
2.  Inform the cashier that you would like to place funds into your Chime account, often known as cash reload.
3.  Hand the cashier the cash and your Chime debit card, and be available to present identification if asked for by the retailer’s guidelines. You can load $1,000 per 24 hours, or $10,000 each month, in three separate deposits. For your records, request a hard copy of the invoice.
4.  Open the Chime app’s home screen to confirm your balance. The Bank Account section will display your current balance. Processing of deposits generally takes a few minutes, but it might take as much as two hours.

Key Takeaways

• All the Walgreens stores load Chime cards without any processing fees.
• The fund will be in your account in two hours after the quick and simple loading process.
• Other places, like CVS, Walmart, and 7-Eleven, also let customers load funds into their Chime cards, but a fee might be associated.