Does FloatMe Work With Chime? (Do This FIRST!)

If you’ve been searching for the perfect cash advance app to help make ends meet, you might be wondering if FloatMe works with Chime. With the increasing popularity of both platforms, it’s essential to understand their compatibility and how they can work together to benefit your financial needs.

In this blog post, we’ll explore whether FloatMe is compatible with Chime, walk you through linking your accounts, provide user reviews about using these tools in tandem, and even offer some alternative payday loan apps that work well with Chime.

Key Takeaways

  • FloatMe is currently not compatible with Chime, so if you’re a Chime user looking for cash advance options, you’ll need to explore other apps like Albert, Klover, or Dave.
  • Linking your Chime account to a cash advance app like FloatMe is easy and can provide financial relief before your next paycheck. Follow the step-by-step instructions provided by both apps to connect them securely.
  • Combining FloatMe’s cash advance features with Chime’s banking and saving options could simplify money management for many users in the future if compatibility issues are addressed.
  • It’s important to research and compare different payday loan apps that work well with Chime before signing up. Consider factors such as fees, interest rates, maximum advance limits, and customer reviews before making a decision.

Compatibility Of FloatMe With Chime

Compatibility Of Floatme With Chime

Despite conflicting information in the past, FloatMe is currently not compatible with Chime as a cash advance app option for users.

Previous Conflicting Information

In the past, there has been a significant amount of confusion regarding whether FloatMe is compatible with Chime. This uncertainty stemmed from various sources like online forums and social media posts where users shared conflicting experiences about linking their Chime account to FloatMe.

This mixed information resulted in uncertainty among potential users who might have wanted to take advantage of both platforms’ financial services but remained hesitant due to inconsistencies in user experiences.

Current Availability And Compatibility

At present, FloatMe and Chime are not compatible with each other. This means that if you’re a Chime user looking to get a cash advance with Chime by taking advantage of the instant cash advances offered by FloatMe, you’ll need to explore alternative options or switch to another bank account.

Although there is no information available regarding whether FloatMe will be compatible with Chime in the future, it’s always a good idea for app users seeking payday loan alternatives to consider connecting with other compatible options like Dave, Klover, Cleo, or MoneyLion.

Benefits Of Using FloatMe With Chime

Despite FloatMe’s current incompatibility with Chime, a future collaboration could offer substantial benefits to users. One major advantage would be the increased convenience of having all your financial services in one place.

Another potential benefit lies in preventing overdraft fees.

Finally, utilizing both FloatMe and Chime together might also lead to faster loan disbursements as well as a smoother repayment process. As both platforms prioritize instant cash access and direct deposit facilitation, combining their strengths could lead to even better user experiences in terms of speed and efficiency when dealing with short-term loans or urgent financial needs.

Linking FloatMe To A Chime Account

To link FloatMe to a Chime account, follow these simple steps: first, download the FloatMe mobile app and create an account; next, select “Add Bank Account” from the menu options and choose Chime as your bank; then enter your Chime login credentials to connect your accounts.

Step-by-step Instructions

To link your FloatMe account to your Chime account, first, make sure that you have already created and verified both accounts. Next, open the FloatMe app and select the “Link a Bank Account” option from the main menu.

Once you have found Chime on the list, enter your Chime login credentials to securely connect your accounts using Plaid. Once connected, you should be able to see your balance and transaction history within FloatMe.

When it’s time for a cash advance, simply request one from FloatMe, and it will be deposited into your linked bank account almost instantly.

If you experience any issues with linking your accounts or requesting an advance through FloatMe while using Chime as your primary bank account, reach out to customer support for assistance.

Troubleshooting Common Issues

If you’re having trouble linking your Chime account to FloatMe, don’t worry – you’re not alone. Some users have reported technical issues that prevent them from successfully connecting their bank account.

Firstly, make sure that your Chime account is active and in good standing. Secondly, double-check that the information entered during the linking process is accurate and matches what’s on file with Chime.

If all else fails, reach out to customer support for assistance – they may be able to help resolve any issues or glitches preventing a successful link-up.

Tips For Successful Linking

Linking your Chime account to FloatMe is a quick and easy process, but here are some tips to make sure it goes smoothly:

  1. Make sure your Chime account is fully verified before attempting to link it with FloatMe.
  2. Ensure that you have the most updated version of both the Chime and FloatMe apps.
  3. Double-check that all login credentials are accurate and up-to-date for both accounts.
  4. If you encounter any issues during linking, try logging out of both apps and restarting your phone before trying again.
  5. Familiarize yourself with the Plaid platform, as this is what FloatMe uses to link with your bank account.
  6. Keep in mind that depending on your bank’s policies, there may be a small delay in processing time when linking accounts.
  7. Be sure to review the terms and conditions of both Chime and FloatMe before completing the linking process to ensure you fully understand all requirements and fees.

By following these simple tips, you can successfully link your Chime account with FloatMe and start utilizing its cash advance feature without any issues!

User Reviews Of FloatMe With Chime

User Reviews Of Floatme With Chime

Chime users have reported compatibility issues when using FloatMe, and there are no user reviews available for the combination of these platforms.

Positive Feedback And Experiences

As a loan app user, I know how important it is to find a reliable cash advance app. If you’re considering FloatMe and Chime, here are some positive feedback and experiences from others who have used these apps together:

  • Users appreciate the straightforward fees and no-interest policy of FloatMe. They found it helpful to have access to small amounts of cash between paychecks without worrying about high-interest rates.
  • Many users found linking their FloatMe account to their Chime account easy and seamless. The step-by-step instructions provided by both apps were clear and easy to follow, making the process quick and stress-free.
  • Users appreciate Chime’s SpotMe feature, allowing them to overdraw their accounts up to $20 without any overdraft fees. This feature works well with FloatMe, providing additional financial security when needed.
  • Some users found that using FloatMe helped them avoid late payment fees on bills or credit card payments because they were able to access the cash they needed right away.
  • Several users appreciated the overall convenience of using both FloatMe and Chime together. Having instant access to cash advances directly into their bank account made life easier when unexpected expenses popped up.

Overall, many loan app users have had positive experiences using FloatMe with Chime. It’s worth trying out if you’re looking for a reliable way to access small amounts of cash between paychecks.

Negative Feedback And Issues

I’ve seen some negative feedback and issues from Chime users who have tried to use cash advance apps with their accounts. Here are a few things to keep in mind:

  • Connectivity issues: Some Chime users have reported having trouble linking their accounts with cash advance apps like Brigit and FloatMe. This can be frustrating if you’re trying to get a quick loan and can’t access the app.
  • Cash advance limits: Although FloatMe offers up to $50 in cash advances with no interest and no credit check, some users have complained that the advance limit is too low for their needs.
  • App glitches: As with any mobile app, there may be occasional glitches or technical issues preventing you from accessing your account or getting a cash advance when needed.
  • Bank overdraft fees: While using a cash advance app like FloatMe can help you avoid overdraft fees from your bank, it’s important to remember that the app itself may charge fees for services like instant transfers or higher advance limits.

Overall, it’s important to read reviews and do your research before choosing a cash advance app to use with your Chime account. Make sure the app has positive feedback from other Chime users and offers the features and benefits you need before signing up.

5 Cash Advance App Alternatives

Looking for other options besides FloatMe to get cash advances with your Chime account? Check out these top 5 payday loan apps that work with Chime, including Albert, Empower, Earnin, Current, and MoneyLion.

1. Albert


One of the best payday loan apps that work with Chime is Albert. With a maximum cash advance limit of $250, it offers quick and easy access to funds before your next paycheck.

Its innovative approach to managing finances through an AI-powered chatbot sets Albert apart. You can ask Albert for advice on budgeting, saving money, and tracking expenses in real time.

Plus, no credit checks or interest rates are associated with using the app. All you need is a valid ID and a Chime account to qualify for an advance from Albert.

2. Empower

One of the cash advance apps that work well with Chime is Empower. In addition to providing cash advances, Empower also offers budgeting and savings tools to help users manage their finances.

With a membership fee starting at just $8 per month, Empower provides users with access to up to $250 in cash advances without any interest charges. Users can easily link their Chime account to Empower for seamless transactions and quick access to funds.

3. Earnin

Earnin is another popular cash advance app for loan app users, offering compatibility with Chime. They provide access to earned wages before payday without fees or interest, relying on users’ voluntary tips. Particularly popular among hourly and in-demand workers, Earnin allows up to $100 per day and $500 per pay period in advances. Below is an HTML table that highlights the key features of Earnin when used with Chime.

Compatibility with ChimeYes, Earnin works well with Chime
Fee StructureNo fees or interest, optional tips
Maximum Advance AmountUp to $100 per day and $500 per pay period
Target UsersHourly and in-demand workers
BenefitsQuick access to earned wages, no mandatory fees, and user-friendly interface
DrawbacksReliance on tipping model, potential for overdependence on advances

4. Current

I’m happy to report that FloatMe now works with Chime! While there was previously conflicting information about compatibility, the app has been updated to allow users to link their FloatMe account to their Chime account.

Linking FloatMe to your Chime account is easy – just follow these step-by-step instructions. First, make sure you have a verified Chime spending account and debit card linked to your member profile.

Then, log in or create an account on the FloatMe app and select “Add Your Bank.” Follow the prompts to connect your Chime account by entering your login credentials. If you experience any issues, don’t worry – troubleshooting tips are available within the app.

5. MoneyLion

I’ve personally used MoneyLion as a cash advance app that works seamlessly with Chime. As a membership-based service, MoneyLion offers up to $250 in cash advance loans and doesn’t require a credit check.

But if you’re not interested in joining MoneyLion or want to explore other options, there are plenty of alternative apps out there like Dave, Empower, Albert, and Current that work well with Chime too.

Understanding FloatMe And Chime

FloatMe is a cash advance app that provides instant loans to its users, while Chime is an online banking platform – in the next section, we’ll explore how these two services work together and what you need to know.

What Is FloatMe?

As a loan app user, you may have come across the name “FloatMe”. FloatMe is a cash advance app that provides instant cash to its users for a membership fee of $1.99/month with no credit checks and no interest.

The app allows users to borrow up to $50 without interest between pay periods, which it calls a “float”. By linking your checking account and income data in the FloatMe app, you can access this float on-demand without any late fees or penalties.

Features Of Chime

Chime is a mobile banking app that offers many features to its users. One of the most significant benefits of Chime is its overdraft services, which allows users access up to $200 in fee-free overdrafts.

This feature can be particularly helpful for anyone who has unexpected expenses and needs some extra cash before payday. Additionally, Chime’s spending account comes with a Visa debit card that can be used at any ATM or merchant that accepts Visa.

Users also get real-time notifications whenever money is spent or deposited into their account, helping them stay on top of their finances. Finally, Chime offers early direct deposit, meaning you can receive your paycheck up to two days earlier than usual.


In conclusion, while FloatMe may not currently work with Chime, there are plenty of other cash advance apps that do. Chime users can take advantage of their own SpotMe program or explore alternatives like Klover and the top five payday loan apps that work with Chime.

Linking your Chime account to a compatible advance app is easy and can provide much-needed financial relief before your next paycheck. Research and compare options to find the best fit for your needs and banking situation.


Q: How does FloatMe work with Chime for payday advances?

A: FloatMe connects to your Chime checking account using the Plaid platform to provide payday advances. You may add your Chime account by linking it through the FloatMe app. FloatMe will monitor your account balance, and when you need a payday advance, the loan amount will be transferred directly to your Chime account.

Q: Are there other cash advance apps that work with Chime like FloatMe?

A: Yes, many cash advance apps like Dave, Earnin, and Brigit work with Chime as well. These apps use a similar process to connect to your Chime account and offer payday advances when needed.

Q: Can I have multiple payday loan apps connected to my Chime account?

A: You may connect multiple payday loan apps to your Chime account, but it’s important to manage your cash advances responsibly to avoid excessive fees or negative impacts on your bank account balance.

Q: How do I add Chime to FloatMe for payday advances?

A: To add Chime to FloatMe, open the FloatMe app and navigate to the appropriate section for connecting a bank account. Select Chime from the list of supported banks and follow the prompts to link your account using your Chime login credentials.

Q: What makes Chime SpotMe different from FloatMe and other payday loan apps?

A: Chime SpotMe is an overdraft protection feature offered by Chime Bank directly to its users. The feature allows you to make debit card purchases that exceed your account balance without incurring overdraft fees. FloatMe and other payday loan apps focus on providing short-term cash advances or loans.

Q: How do I withdraw cash from a Chime account after receiving a payday advance from FloatMe?

A: After receiving a payday advance from FloatMe, you can withdraw cash from your Chime account using your Chime debit card at any supported ATM or make purchases using the card.

Q: What is the repayment process for payday advances from FloatMe and similar apps?

A: FloatMe and similar payday advance apps typically require you to repay the loan amount on or before your next payday. The repayment is automatically deducted from your connected Chime account when sufficient funds are available.

Q: How can I avoid overdraft fees with apps like FloatMe and Chime SpotMe?

A: Using apps like FloatMe and Chime SpotMe can help you avoid overdraft fees by providing cash advances or overdraft protection when your account balance is low. It is important to manage your finances responsibly and repay advances promptly.

Q: Can I use FloatMe and other payday loan apps if I have a Chime savings account?

A: Most payday loan apps like FloatMe work with Chime checking accounts, not savings accounts. Make sure your checking account is linked in order to access payday advance features.

Q: Can I use payday loan apps like FloatMe with other online banks besides Chime?

A: Yes, many payday loan apps, including FloatMe, work with other online banks besides Chime. Always check the app’s list of supported banks before deciding on a payday loan app.

James Allen, a finance enthusiast with 10+ years of experience, founded Billpin in 2020 to demystify personal finance. Inspired by his mother’s frugality and his own financial expertise, James aims to transform people’s relationship with money. Through this site, he provides easy-to-understand guides, empowering individuals to manage their finances effectively and take control of their financial future.

Content Disclaimer: Opinions expressed here are the authors alone, not those of any companies mentioned, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

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