Does Chime® Have Zelle?

Zelle, an app and service that lets its users send money to other US bank accounts, does not work with Chime accounts or debit card.

Chime is not directly compatible with Zelle

Unfortunately, Chime does not have Zelle. In Zelle’s program, only US banks and credit unions can be added to its list of partner banks. Since Chime is not a “true” bank and is a fintech with banking partners, it cannot join Zelle’s list of partnered financial institutions. And since Zelle discontinued its separate mobile app in April 2025, you can no longer link your Chime debit card to use the service independently. However, Chime offers its own peer-to-peer (P2P) payment feature called Pay Anyone, which lets you send money to friends and family.

If you’re looking for an online bank, SoFi® offers full Zelle integration with its hybrid checking and savings account.

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SoFi Checking and Savings

A hybrid account that's integrated with Zelle automatically.

• Get a $50 or $300 cash bonus as a new customer by meeting direct deposit requirements.
• 0.70% Boost on Savings APY to up to 4.30% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.
• $0 monthly fees and overdarft fees.
• Saving Vaults and round-ups.

Partner terms and conditions

New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.

SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.

Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet

We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.

SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.

We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.

Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.

Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.

Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Enroll in SoFi Plus between 9/18/25 and 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/sofi-plus SoFi Bank, N.A. Member FDIC.

Chime’s Pay Anyone feature is for P2P payments

Chime offers its own P2P service called Pay Anyone — aptly named, too.

The Pay Anyone service lets Chime® checking account holders send money to anyone with a debit card, typically within seconds. The recipient of a Pay Anyone fund transfer does not need a Chime account, and there are no fees to send or receive money.

You can pay non-Chime users by entering their email or phone number, and they have up to 14 days to claim the sent funds by entering a valid debit card. This service is a major plus over other apps like Cash App or Venmo, which require the sender and recipient to have separate Cash App or Venmo accounts.

Can I connect my Chime account to Zelle?

While this used to be an option, you can no longer connect your Chime account to Zelle directly. On April 1st, 2025, Zelle discontinued the ability to use its standalone app to send or receive money. Now to use Zelle at all, you must enroll with one of banks and credit unions that support Zelle. There are over 2,200 banks and credit unions in the program, including Chase and SoFi®.

Alternatives to Zelle

Since Zelle isn’t compatible with Chime because it’s not a bank, here are some alternative apps to check out:

• Cash App. Free to download and free to use (for the most part), Cash App is one of the most popular P2P payment apps. It also offers a debit card, investing and tax services.
• Venmo. Nearly just as popular as Cash App, Venmo offers P2P payments, teen checking and a credit card.
• Apple Cash. For Apple fans, Apple Cash offers a quick and easy way to send other Apple users money through the Messages app. You can set it up for free within the Wallet app.

Bottom line

Chime does not have Zelle automatically included within its app. However, you can use its own P2P payment service, called Pay Anyone, or try out other apps like Venmo or Cash App.

Dive deeper: Compare banks like Chime

See if other popular options support Zelle

• SoFi®
• HSBC
• Navy Federal Credit Union
• Bank of America
• Discover
• Capital One
• U.S Bank
• Chase Bank
• PNC
• Go2bank

Frequently asked questions

Is Chime a bank?

Chime is not a bank — it’s a fintech company with banking partners. Chime’s accounts are insured and backed through its two FDIC Member partners: The Bancorp Bank and Stride Bank.

Does Chime work with other banks?

Yes, you can connect external accounts to Chime via Plaid.

Can Chime be linked to Cash App?

Yes, you can connect your Chime checking account to Cash App.

How do you use Zelle with Chime?

As of April 2025, you can’t use Zelle with Chime by linking your Chime debit card to a separate Zelle account. Zelle has discontinued its standalone mobile app, so you now need to enroll through a bank or credit union that partners directly with the service. Because Chime isn’t part of Zelle’s network, you can’t send or receive money using your Chime account or debit card.

• Chime terms and conditions

  Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC.
  ATMs: Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
  Deposit: Once the retailer accepts your cash, the funds will be transferred to your Chime Checking Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.
  Mobile Deposit: Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member's direct deposit enrollment status.
  Chime Savings Account: Chime Checking Account is required to be eligible for a Savings Account.
  APY: The Annual Percentage Yield (“APY”) is variable and may change at any time. The disclosed APY is accurate as of date of publication. No minimum balance required. Must have $0.01 in savings to earn interest.
  Get Paid Early: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
  Chime Card:: To apply for a Chime Card, Chime® Checking Account is required to apply.
  SpotMe: SpotMe® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Card Account. To qualify for the SpotMe on Chime Card service, you must receive $200 or more in qualifying direct deposits to your Chime® Checking Account each month and have activated your physical secured Chime Visa® Credit Card or Chime Visa® Debit Card.
  
  Qualifying members will be allowed to overdraw their Secured Deposit Account up to $20, but may later be eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Chime Card Limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s or its banking partners’ discretion. Although Chime does not charge any overdraft fees for SpotMe on Chime Card, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe on Chime Card won’t cover non-card transactions. SpotMe on Chime Card Terms and Conditions.
  Federal Tax Return Direct Deposit: Chime members may choose to direct deposit their state and/or federal tax refunds with Chime. They may choose to direct deposit no matter what tax preparer they choose. They do not need to file through Chime in order to direct deposit their refund. If a member does direct deposit their federal refund they may receive the refund up to 6 days early. This only applies to federal refunds, not state. When marketing the speed of the tax refund it must always include the following elements: federal tax refund, up to 6 days early, with direct deposit.
  MyPay®: MyPay® is only offered in select states. To be eligible for MyPay, you must receive Qualifying MyPay Direct Deposits to your Chime Checking Account as set forth in the MyPay Agreement. A Qualifying MyPay Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Available Advance Amount may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. To be eligible for MyPay, you must receive Qualifying MyPay Direct Deposits to your Chime Checking Account as set forth in the MyPay Agreement. A Qualifying MyPay Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Available Advance Amount may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or https://www.chime.com/policies/stride/mypay/ for details.