Can We Use Flashpay Id to Transfer to and from Chime?

Flashpay Id and Chime Spending Account are from two different financial institutions. Thanks to convenient features, both services have been able to attract customers over the past years. Since they have different features, people might want to use them both. In this case, they may want to transfer money between their Flashpay account and Chime account.

In this post, we will learn if we can use Flashpay Id to send money to or receive money from Chime. If can’t, what are alternatives?

What is Flashpay Id?

First, we need to understand that Flashpay Id is an identification code that a financial company, called Netspend, uses to identify one’s Netspend account. If you know someone else’s Flashpay Id, you can easily send money to that person. Likewise, you can share your Flashpay Id to receive money from someone who has a Netspend account.

This means that you cannot use Flashpay Id to send or receive funds to or from Chime. But, don’t worry. If you have a Netspend account and want to transfer to Chime, there is still a way.

How to Transfer from Netspend to Chime

In addition to using Flashpay Id for transfer, you can direct deposit into your bank account or into your PayPal account.

Bank Direct Deposit

Currently, Chime does not support Netspend for its bank transfer. However, If you have a bank account from one of the following banks and can send money to the account, then you can move the fund from the bank account to your Chime account.

  • Chase
  • Bank of America
  • Wells Fargo
  • Citi
  • US Bank
  • USAA
  • Fidelity
  • PNC Bank
  • Capital One 360
  • TD Bank
  • SunTrust
  • Navy Federal
  • Charles Schwab

This needs an extra step but it does the job.

Use PayPal

Netspend is a PayPal company and Chime supports PayPal. This means you can use your PayPal account as a medium to move funds across Netspend and Chime. The steps will be similar to using bank transfer. But to do this, you first have to link PayPal to your Netspend account. Linking PayPal to your Netspend account works exactly the same way you link with your bank account.

  1. On PayPal, you will need to add a new account using the “Link a Card or Bank Account” button.
  2. Then, select “Link a bank account”.
  3. Enter the required information.
  4. It will add random amounts into your Netspend account in several business days.
  5. Once you get them, enter those amounts on PayPal for confirmation.

Repeat these steps to link your Chime account as well.

After you link both accounts, you can use PayPal as a medium to move funds across the Netspend and Chime accounts.

How to Transfer from Chime to Netspend

Once you can link both Netspend and Chime accounts to your PayPal account, transferring from Chime to Netspend is basically the same. You can transfer funds from Chime to your PayPal account and then from PayPal to Netspend.

In addition, from Chime, you can transfer to one of the supporting bank and then from the bank to your Netspend account.

Transfer Limits

When you transfer, one important thing you want to know is how much you can send in maximum. For this, you will want to consider the transfer limits of Chime. According to Chime’s explanation, you can transfer from your external bank account to your Chime Spending Account:

  • $200 in maximum per day
  • $1,000 in maximum per month

The Chime’s explanation, however, does not clearly state about transferring from PayPal. The same maximum rules may apply.

In the beginning of this post, I mentioned that Netspend and Chime have gained people’s interest over the past years. How can we gauge that?

Google Trends

When I research a product or a service, I often use Google Trends. It is an extremely helpful service by Google that gives you a historical Google search trend. The idea is that if a product or a company can maintain or can increase its search volume over many years, it supports the quality of the product. If a product is bad, people won’t show their interest and eventually will never search for the product anymore.

Since it can give you the historical search volumes, you can refer to the trend to measure people’s interest.

First, let’s see the trend of Netspend.

Netspend search volume (5 years)

The blue line represents the search volume of “netspend”. Over the past 5 years, it maintained a firm base line even though there were fluctuations.

Next, let’s have a look at Chime’s.

The search trend of Chime looks more encouraging. Over the past 5 years, the search volume has been increased.

Both trends combines, we could learn that the two financial services have been able to constantly attract customers’ interest over the past several years.

Other Ways to Load Money to Netspend and Chime

The reason why you wanted to find a way to transfer between your Netspend and Chime accounts was to add more money into one account by withdrawing from another. If you are interested in a way to just directly load into each account, you can have more options.

Load Money into Netspend

1. Direct Deposit

Direct Deposit can be more convenient for you to put money into your Netspend Prepaid Card Account. The types of direct deposits include the following:

  • Paychecks from work
  • Tax refunds
  • Social security benefits
  • Supplemental Security Income (SSI)
  • Pensions
  • Railroad Retirement Benefits (RRB)
  • Defense Finance and Accounting Service Payments (DFAS)
  • Government Disability Benefits or Workers Compensation (it can be different by state)
  • Veteran Benefits

This means that you can share your Netspend account information with the payer to have money direct deposited into your Netspend account.

2. Netspend Reload Network Locations

Over 130,000 locations spread all across the U.S. states. By visiting the location, you can add money to your Netspend account. You can use this location finder to search for the nearest reloading store.

Big retailers such as Walmart and H.E.B. also support Netspend card. So, if you are planning to do grocery shopping at the retail store, bring your Netspend card and reload money at the register.

3. From Another Netspend Card Account

If you have another Netspend card or if you need to receive money from another person having a Netspend card, you can also do it. When you want to transfer from another card, you can use Netspend online to make a transfer.

4. Tax Refunds

If you have money to be refunded by IRS, you can contact them to send the fund straight to your Netspend card account.

5. Use Mobile App to Add Checks

They have the Netspend Mobile App, and you can use it to put your checks into your account. Just download the Netspend Mobile App. After that, you will need to take a photo of your check using your phone camera. You can follow the instructions for the rest steps. This app is available both on Android and iOS app stores.

Load Money into Chime

1. Direct Deposit

Chime explains that the easiest way to load funds into your Spending Account is by direct deposit from your employer. To receive your pay directly into your Chime account, provide Chime routing number and Spending Account number to them. Once Chime receives the funds, they will automatically send it to your account.

To find your Chime routing number and Spending Account number,

  1. Go to the Chime app.
  2. Go to “Move Money” and “Settings”.
  3. Find the details.

Or, you can find them on your account on the Chime website.

2. Use Green Dot

You can load cash into your account at over 90,000 retail stores with Green Dot. Check this locator to find the nearest offline store. At the store counter, you can directly add cash into your account with the maximum amount of $1,000 per 24 hours or $10,000 per month. These limits are higher than those of bank transfer. Since this uses the third-party service, it may incur fees.

Conclusion

We discovered the ways to transfer between your Netspend and Chime accounts and other options to directly reload cash into each of the accounts. When you repeat several times, you will get used to it. I hope you have found the best suitable way to add funds.

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