Terms and Conditions of Using the Pay Friends Transfer Service as a Non-Chime Member

Last Updated April 7, 2021

General

Subject to the terms of this Agreement, Chime grants you limited access to the Pay Friends Transfer Service (“Pay Friends”) via Chime’s web page. Chime’s Banking Partners, The Bancorp Bank and Stride Bank, N.A. (“Banking Partners”) provide you with this service. Your access to this service only allows you to receive money (“Friend Transfer(s)”) from Chime Spending Account holders (“Chime Members”). Your use of this service does not create a relationship between you and any of Chime’s Banking Partners and does not render you a Chime Member.

Your access to Pay Friends is determined by Chime in its sole discretion based on a variety of risk-based factors. If you violate any Chime policy or terms and conditions, such actions may be used as a basis to terminate your access to the service. Chime may suspend or terminate your use of Pay Friends at any time and without prior notice to you.

By providing Chime with your first and last name, email address, and U.S. debit card information, you are representing that you are the owner of the debit card and associated U.S. bank account. In addition, you agree to receive email and Short Message Service (“SMS”) notifications from Chime regarding the status of your transaction.

By using the Pay Friends feature, you agree that you will not engage in any conduct that would be considered a criminal offense or would give rise to civil liability or violate these terms and the Agreement.

How to Claim a Friends Transfer as a Non-Chime Member

To claim a Friend Transfer(s), click on the link that was sent in the SMS or email you received. Once you are on the web page, enter your first and last name, U.S. debit card information, email address, and any other information you are prompted to provide to verify that you are the intended recipient. Then click the claim funds button. If you submitted the required information and received a confirmation that the Friend Transfer was successful, funds will be credited to the U.S. bank account associated with the debit card information you have provided to Chime, however the funds may not be available in your bank account for up to 30 minutes, or longer, following the Friend Transfer, depending on your bank. Please note, you may only use a U.S. bank issued debit card to claim funds using this Pay Friends feature. Credit cards, pre-paid cards, and debit cards issued by a foreign bank are not eligible to use with this service.

Funds that are sent to you by a Chime Member are available to be claimed for fourteen (14) days from the time the transfer was initiated. After 14 days, the transaction will expire, and the funds will automatically be transferred back to the sending Chime Member.

Friend Transfers will be monitored and may be held, delayed or blocked if, in Chime’s sole discretion, completing the transfer could result in fraud or another form of financial harm. Chime may require additional information to complete a Friend Transfer. Chime may request that you provide additional information to verify your identity.

You must make sure that the debit card information you have provided is entered accurately to ensure funds are transferred to your bank account. It is your obligation to provide the correct debit card information. Chime is not responsible for Friend Transfers not received due to an error in the information entered by the recipient or additional errors unrelated to Chime’s platform.

Friend Transfers can be made 24 hours a day, 365 days a year regardless of holiday or weekend schedules. Transfers may be affected by Chime service disruptions. We may limit how many transfers you can accept, and the amount of funds transferred you can accept in a single day, week, or month.
Funds availability may depend on your bank that issued the debit card used to complete the Friend Transfer. The funds transfer transaction may appear in processing or pending status and your available balance may not update until the transaction has been fully processed by your bank. This may take up to 30 minutes, or longer, depending on your bank.

Alternative Option for Non-Chime Members to Claim Funds

A Non-Chime Member may open a Chime Spending Account in order to Send/Receive Funds and Request Funds from Chime Members. If you wish to obtain access to these features, you must sign-up and be approved for a Chime Spending Account. You may sign up via the Chime mobile app or by visiting h ttps://www.chime.com/ and accurately provide all required information. Once you are approved to open a Spending Account, please see your Bank’s Deposit Account Agreement for Pay Friends Terms and Conditions for Chime Members. This is an alternative method to claim funds, it is NOT required.

Fees: There are no fees associated with the use of the Pay Friends Transfer Service.

Mobile Carrier Information: Message and data rates may apply to the use of the mobile device when transferring funds using the Services via Chime’s web page.

Disclaimers; No Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE”. EXCEPT AS REQUIRED BY LAW, CHIME AND ITS BANKING PARTNERS DISCLAIM ALL WARRANTIES AND REPRESENTATIONS REGARDING THE SERVICES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, ACCURACY, QUIET ENJOYMENT, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, FITNESS FOR ANY PARTICULAR PURPOSE, OR ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE OR TRADE. SPECIFICALLY, BUT WITHOUT LIMITATION, CHIME AND ITS BANKING PARTNERS DO NOT WARRANT THAT: (1) THE INFORMATION PROVIDED IN, OR THAT MAY BE OBTAINED FROM USE OF, THE SERVICES WILL MEET YOUR REQUIREMENTS OR BE CORRECT, ACCURATE, UP-TO-DATE, OR RELIABLE; (2) THE SERVICES BE UNINTERRUPTED OR ERROR-FREE; (3) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIAL PURCHASED BY OR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS; OR (4) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED. YOU ASSUME ALL RISK FOR ALL DAMAGES, INCLUDING DAMAGE TO YOUR COMPUTER SYSTEM, MOBILE DEVICE OR LOSS OF DATA THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO THE SERVICE. YOU HEREBY ACKNOWLEDGE THAT USE OF THE SERVICES IS AT YOUR SOLE RISK. IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542 WHICH PROVIDES: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.”

Friend Transfer Limits

These are the limits associated with Pay Friends Transfer(s).

Transaction TypeFrequency and/or Dollar Limits*
Claim Friend Transfer(s) 

 

Receive up to a maximum of $1,000.00 per calendar month

We may change these limits without notice to you.

 

Liability for Friend Transfers

You are liable for ensuring that the information you provide to Chime is complete and accurate. You are liable for accurately providing your debit card information to ensure funds are transferred to your bank account. It is the recipient’s obligation to provide the correct debit card information. Chime or its Banking Partners are not liable for Friend Transfers not received due to an error in the information entered by the recipient or additional errors unrelated to Chime’s platform except in the case where the Friend Transfer was unauthorized, or the Friend Transfer was not properly executed according to the sender’s instructions.

If you are sent a Friend Transfer and we later determine in our sole discretion that the Friend Transfer was invalid for any reason, (for example, the Friend Transfer was not authorized by the sender), Chime may block you from receiving the Friend Transfer.

If you believe your bank account has been compromised or that a Friend Transfer was completed without your permission, please contact your bank immediately.

In case of questions related to Pay Friends, please email Chime Member Services at support@chime.com.

Liability for Failure to Complete Transfers

Chime and its Banking Partners have no liability for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

  • If, through no fault of Chime, you do not properly complete the Friend Transfer to your account.
  • If Pay Friends or the Partner Bank’s services weren’t working properly, and you knew about the malfunction when you initiated the transfer.
  • If the bank holding your account mishandles or delays processing or posting a funds.
  • If circumstances beyond our control (such as fire, flood, power failure, strike, labor dispute, critical service provider failure, computer breakdown, telephone line disruption, government or regulatory action, or a natural disaster) prevent the completion of the Friend Transfer, despite reasonable precautions that we have taken.

This Agreement is effective 04/2021

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

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