Does Chime Work with Zelle | A Complete Detail?

The Tech Trend
3 min readMay 23, 2023

Wondering to know if you can use Chime in your Zelle app or does Chime work with Zelle? Does Chime have Zelle for real or is it a rumour?

Learn does chime use zelle for real or not… in this blog!

In the age of the digital world, transferring payment from one bank to another becomes heavenly easier.

Payment can be now sent instantly without worrying about fraudulent activities, hence making these apps popular and closer to consumers day by day.

Apps like Chime and Zelle help people make instant, fee-free, and secure transactions with friends and families.

Let’s get into the details…!

What Is Chime?

Chime or Chime Financial, Inc. is an American-owned fin-tech company (not a bank precisely) that is popularly known for providing fee-free banking services such as saving accounts, debit cards, and other financial services.

Chime app’s functionality is operated and managed by its partner banks, Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC.

What Is Zelle?

Zelle is a US-based digital payment network controlled and managed by multiple banks such as Bank of America, Truist, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank, and Wells Fargo.

With Zelle, users can send funds from one bank account to another without paying any charges or fees.

The app has grown tremendously as it helps users to pay another person with the click of a button, quickly.

Also read: How to Handle Late or Missed Payments From Clients

Chime Vs Zelle

Both have played remarkably in their context. But there are some differences between the two. What are they?

Does chime have zelle? Let’s explore.

Firstly, When you make a payment using Zelle, both sides have to have a Zelle account. On the other hand, Chime doesn’t work like this. All you need is their valid debit card number, and you can send money to anyone in seconds at any bank.

Secondly, Chime users can send and receive money without paying any fees or extra charges. Some banks that don’t accept Zelle could take a charge for processing payment.

Lastly, Chime users can send money without a signup process whereas Zelle users have to signup and register before making a payment to someone.

Does Chime Have Zelle?

No, Chime doesn’t have Zelle in its banking services or any of its associates. This means Chime users can’t benefit from taking Zelle for making peer-to-peer transactions.

Until recently, in the past, there was a method to transfer money and get Chime to work with Zelle. But due to some recent changes, the majority of Zelle users are no longer adding a Chime credit card or saying Zelle is not working with Chime.

Why Doesn’t Chime Have Zelle?

I would not say that the cause is uncertain or secretive.

Instead, competition and rivalry could be the reason behind these constraints.

Think in this way.

Chime is a neo-bank or challenger bank that is its mission to dethrone old-school banks such as; Capital One, Bank of America, and others.

Ironically, Zelle was developed by these giant banks to help people in sharing money instantly with another person.

Hence, Chime stakeholders might not be thinking of integrating Zelle into their applications. Hence this illuminates why Chime does not have Zelle and answers your question “Does Chime work with Zelle?”

Originally Published on The Tech Trend



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