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

1. General

Subject to the terms of this Agreement, Chime grants you limited access to the Pay Anyone Transfer Service (“Pay Anyone”) via Chime’s web page. Chime’s Banking Partners, The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banking Partners”) provide you with this service. Your access to this service only allows you to receive money (“Pay Anyone Transfer(s)”) from Chime Checking 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 Anyone 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 Anyone at any time and without prior notice to you.

By using the Pay Anyone 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.

Messaging Consent

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 US, OUR AFFILIATES, SERVICE PROVIDERS, AND AGENTS AT THAT NUMBER, INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM (“ATDS”), AND/OR EMAILS FROM US IN ORDER TO CARRY OUT THIS SERVICE. You acknowledge and agree that such messaging may include, but is not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an ATDS from us or our Affiliates, service providers, and agents. Please review our Privacy Policy for more information. 

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.

2. How to Claim a Pay Anyone Transfer as a Non-Chime Member

To claim a Pay Anyone 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 Pay Anyone 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 Pay Anyone Transfer, depending on your bank. Please note, you may only use a U.S. bank issued debit card to claim funds using this Pay Anyone 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.

During the Pay Anyone Transfer claim process, you have the option to request that we autofill your provided debit card information to receive future Pay Anyone Transfers to that debit card. If you decide to take advantage of this feature, you will not need to re-enter your chosen debit card information for future Pay Anyone Transfers when claiming funds with a debit card.

Pay Anyone Transfers will be monitored and may be held, delayed or blocked if, in Chime’s sole discretion, Chimes concludes that completing the transfer could result in a breach of this Agreement, fraud, any financial harm or harm to the safety and integrity of the Pay Anyone Transfer Service.

Chime may require additional information from you to complete a Pay Anyone Transfer. Specifically, 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 Pay Anyone Transfers not received due to an error in the information entered by the recipient or additional errors unrelated to Chime’s platform.

Pay Anyone Transfers can be made 24 hours a day, 365 days a year regardless of holiday or weekend schedules. You acknowledge that Pay Anyone Transfers, including the instant payout of a successfully claimed Pay Anyone Transfer, may be affected or delayed by technological 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 Pay Anyone 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.

3. How to Claim a Pay Anyone Transfer as a Non-Chime Member

A Non-Chime Member may open a Chime Checking 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 Checking Account. You may sign up via the Chime mobile app or by visiting https://www.chime.com/ and accurately provide all required information. Once you are approved to open a Checking Account, please see your Bank’s Deposit Account Agreement for Pay Anyone 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 Anyone 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.

4. How Non-Members make a Pay Anyone Transfer to a Chime Member

You may receive a specific request for money from a Chime Member. A request may be in the form of a link or QR Code provided via SMS or email (depending on availability) from a Chime Member. Upon receipt of a request, you can make a Pay Anyone Transfer to that Chime Member. 

To make a Pay Anyone Transfer(s), you must use a Non-Chime issued debit card. Once you receive the request from the Chime Member, click on the link that was sent to you in the SMS or in the email you received. Once you are on the web page, enter your first and last name, your Non-Chime U.S. debit card information, email address, and any other information you are prompted to provide to make the Pay Anyone Transfer. Then click the designated button to pay. If you submitted the required information and received a confirmation that the Pay Anyone Transfer was successful, funds will be debited from the U.S. bank account associated with the debit card information that you have provided to Chime, however, the funds may not be available in the Chime Member’s bank account for up to 30 minutes, or longer, following the Pay Anyone Transfer, depending on your bank. REMINDER: You may only use a Non-Chime issued U.S. bank issued debit card to send funds using Pay Anyone. Furthermore, Credit cards, prepaid cards, and debit cards issued by a foreign bank are not eligible for use with Pay Anyone.

Pay Anyone Transfers will be monitored and may be held, delayed or blocked if, in Chime’s sole discretion, Chime concludes that completing the transfer could result in a breach of this Agreement, fraud, any financial harm or harm to the safety and integrity of the Pay Anyone Transfer Service.

Chime may require additional information from you to complete a Pay Anyone Transfer. Specifically, Chime may request that you provide additional information to verify your identity.

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

Pay Anyone Transfers can be made 24 hours a day, 365 days a year regardless of holiday or weekend schedules. You acknowledge that Pay Anyone Transfers, including the instant payout of a successfully claimed Pay Anyone Transfer, may be affected or delayed by technological disruptions. We may limit how many transfers you can send, and the amount of funds transferred that you could send, in a single day, week, or month.

Funds availability may depend on your bank that issued the debit card used to complete the Pay Anyone 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.

5. Non-Member Claim and Make Pay Anyone Transfer Limits

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

We may change the below stated frequency and/or dollar send limits with notice (or without) as required by applicable law. Furthermore, Non-Chime Members shall not subvert or otherwise avoid the frequency and/or dollar send limits by, among other actions, using multiple devices to make Pay Anyone Transfers. Chime, in its discretion, may limit the frequency of your Pay Anyone Transfers per day.

6. 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.” 

7. Liability for Pay Anyone 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 Pay Anyone 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 Pay Anyone Transfer was unauthorized, or the Pay Anyone Transfer was not properly executed according to the sender’s instructions.

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

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

In case of questions related to Pay Anyone, please contact Chime Member Services at 1-844-244-6363.

8. Liability for Failure to Complete Transfers

Chime and its Banking Partners have no liability for your losses or damages. In particular, we will not be liable for the following:

  • If, through no fault of Chime, you do not properly complete the Pay Anyone Transfer to or from your account.

  • If Pay Anyone 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 Pay Anyone Transfer, despite reasonable precautions that we have taken.
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