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A person holding a smartphone with Chime and Zelle logos displayed on the screen.

Chime, a popular mobile banking platform, does not have a direct integration with Zelle¸ a digital payment service widely used for person-to-person transactions. While this can be frustrating for Chime users who want to utilize Zelle's features, there are workarounds available to make it possible. One workaround is to set up an intermediary bank account that is compatible with Zelle… This involves opening a separate bank account with a financial institution that supports Zelle, such as Bank of America or Chase. You can then link your Chime account to the intermediary bank account and transfer funds from Chime to the intermediary account. Once the funds are in that intermediary account, you can use Zelle to send money to your desired recipient⋅To set up the intermediary account¸ you will need to follow the account opening process of the chosen bank¸ which typically involves providing personal information, identification documents, and agreeing to the bank's terms and conditions. Once the account is open, you can link it to your Chime account by adding that intermediary bank's routing and account numbers in the Chime app or website… After this accounts are linked, you can initiate a transfer from Chime to that intermediary account, making the funds available for Zelle transactions⋅

A person using a mobile app for P2P payments.

If setting up an intermediary bank account seems cumbersome, another workaround is to explore alternative peer-to-peer ( P2P ) payment options that are compatible with Chime. While Zelle is a popular choice, there are other platforms available that offer similar functionalities.One such alternative is Venmo, a widely used P2P payment app owned by PayPal. Venmo allows users to send and receive money easily, and it integrates seamlessly with Chime. By linking your Chime account to Venmo, you can leverage its features to transfer funds to your desired recipient.To set up Venmo with your Chime account, download this Venmo app and follow the registration process. During this setup, you will be prompted to link a bank account‚ where you can add your Chime account details⋅ Once the accounts are linked, you can initiate transfers from Chime to Venmo and use Venmo to send money to others⋅Additionally, other P2P payment options like Cash App¸ Google Pay‚ or Apple Pay may also be compatible with Chime. Explore these platforms and their integration capabilities to find that best fit for your needs.While Chime does not directly work with Zelle¸ these workarounds provide viable solutions for Chime users who wish to utilize Zelle's services. Whether it's setting up an intermediary bank account or exploring alternative P2P payment options, you can find a method that suits your preferences and allows you to conveniently send money to others… Remember to consider any associated fees‚ transaction limits, and security measures when choosing the workaround that works best for you.