The fastest way is a transfer within the Chime app to any U.S. bank account
Open the Chime app, tap Send Money, select Bank Transfer, and enter the receiving bank's routing and account numbers. Chime processes transfers to external banks in one to three business days at no cost. You do not need to leave the app or contact anyone — the transfer happens entirely through Chime's system.
If you do not have the routing number, ask your bank or find it on a check (it is the nine-digit code at the bottom left). Have your account number ready too — it appears after the routing number on a check, or you can find it in your bank's app or online portal.
The transfer amount has no stated limit within the Chime app, but Chime may flag unusually large transfers for review, which can add a day or two. If you move money regularly, the process stays the same each time.
Key Takeaways
- Bank transfers from Chime to external accounts take one to three business days and cost nothing.
- You need your receiving bank's routing number and your account number to complete a transfer.
- Transfers happen inside the Chime app with no phone calls or paperwork required.
- Weekend and holiday transfers process on the next business day, so plan ahead if you need the money by a specific date.
- Chime may review large or frequent transfers, which can delay processing by a day.
Step-by-step transfer process in the Chime app
Start by opening Chime and making sure you are logged in. Tap the menu icon (three horizontal lines) at the bottom right, then select Send Money. You will see options for different transfer types — choose Bank Transfer.
Enter the name of the bank you are sending to, then input the routing number and account number. Double-check both numbers before proceeding, because a mistake will send the money to the wrong account and create a delay in recovery. Chime will show you the account holder name associated with those numbers — verify it matches who you expect.
Enter the amount you want to transfer and confirm the transfer date. Chime defaults to the next business day, but you can select a different date if needed. Review all details one final time, then tap Confirm. Chime will send you a confirmation number — save or screenshot it in case you need to reference the transfer later.
How long transfers actually take
Chime states one to three business days, but the actual timeline depends on when you initiate the transfer and your receiving bank's processing speed. A transfer sent on a Tuesday morning typically arrives Wednesday or Thursday. A transfer sent Friday evening will not start processing until Monday, so it may not land until Wednesday or Thursday of the following week.
Your receiving bank controls the final step — Chime sends the money, but the receiving bank decides when to post it to your account. Most banks post transfers within one business day of receipt, but some take longer. If three business days have passed and the money has not arrived, contact your receiving bank first, because the delay is usually on their end.
Chime does not charge a fee for outgoing transfers, and neither do most banks for receiving transfers. However, some smaller banks or credit unions charge a small fee to receive ACH transfers — check with your bank if you are unsure.
What to do if a transfer goes to the wrong account
If you entered the wrong routing or account number, the money will go to a different account at a different bank. Contact Chime support immediately through the app — tap the menu, select Help, then Contact Us. Explain the error and provide your confirmation number. Chime can attempt to recall the transfer, but success depends on whether the receiving bank has already released the funds.
If the receiving bank has not processed the transfer yet, Chime can often stop it. If the money has already posted to the wrong account, Chime will file a claim with the receiving bank asking them to reverse it. This process can take two to four weeks, and there is no may provide the other bank will comply — they may require the account holder to authorize the reversal.
To avoid this situation, always verify the routing and account numbers before confirming. If you are sending to a new bank for the first time, send a small amount first to confirm it arrives in the right place.
Transferring money using Chime's debit card at an ATM
If you need cash immediately and do not want to wait for a bank transfer, you can withdraw money from your Chime account at any ATM in the Allpoint network (over 60,000 ATMs nationwide) or at your bank's ATM if they participate in Chime's network. This gives you cash instantly, but it does not move money to another bank account — it just converts your Chime balance to physical cash.
Chime offers six free withdrawals per month at out-of-network ATMs; after that, each withdrawal costs $2.50. In-network ATM withdrawals are always free. If you need to move money to another bank account specifically, a bank transfer is the right method, not an ATM withdrawal.
Using a third-party payment app to move money faster
If you need money in another account within hours rather than days, you can use a payment app like PayPal, Square Cash, or Venmo to move money from Chime to another person's account, then have them transfer it to your bank account. This is slower and more complicated than a direct transfer, so use it only if the direct transfer timeline does not work for your situation.
A better option is to check whether your receiving bank offers faster ACH processing. Some banks now process ACH transfers same-day or next-day, which is faster than Chime's standard one- to three-day window. Contact your receiving bank to ask if they offer expedited ACH, and if so, whether Chime participates in their program.
Recurring transfers and setting up automatic payments
Chime does not have a built-in feature for scheduling recurring transfers to another bank account. If you need to move money regularly, you will need to initiate each transfer manually through the app. However, you can set up automatic bill payments from Chime to pay specific companies or people directly — tap Pay Bills in the app and add the payee.
If you want to automate transfers to another bank account, set a calendar reminder to transfer on the same day each month, or use your receiving bank's bill pay feature to pull money from Chime instead. Most banks allow you to add Chime as an external account and then schedule recurring transfers from that account.
Frequently Asked Questions
Can I transfer money from Chime to a savings account at a different bank?
Yes. The transfer process is identical whether the receiving account is a checking or savings account. You will need the routing number and account number for the savings account, and the transfer will take one to three business days.
What happens if I transfer money on a weekend?
Chime accepts the transfer request, but processing does not begin until the next business day (Monday). The money will arrive at your receiving bank on Monday, Tuesday, or Wednesday, depending on your bank's processing speed.
Is there a limit to how much I can transfer at once?
Chime does not publish a specific limit, but very large transfers may trigger a review that adds one to two days to processing. If you regularly transfer large amounts, contact Chime support to ask about any limits on your account.
Do I need to verify my receiving bank account before transferring?
No, but Chime recommends sending a small test transfer first to confirm the routing and account numbers are correct. This prevents money from going to the wrong account if you made a typo.
Can I cancel a transfer after I have confirmed it?
If you cancel within a few minutes of confirming, Chime may be able to stop it. After that, the transfer is in the banking system and cannot be cancelled — you would need to contact your receiving bank to reverse it, which is not always possible.