To use a Chime virtual card, open the Chime app, go to Settings, and tap Cards to view the card number, CVV, and expiration date for online shopping. For in-store purchases, add the virtual card to a mobile wallet like Apple Pay or Google Pay. It is immediately available, even before your physical card arrives.
When you check out on a website or make an in-app purchase:
Digital and secure: Your virtual card lives in the Chime app. You can also add it to your mobile wallet so it's always available, even if you don't have your physical card. Connected to your account: Like your physical card, your virtual card pulls funds from your Chime Checking account.
Virtual credit cards can be used for online, in-app, over-the-phone, or in-person transactions. For in-person payments, you can either key in the virtual card details at checkout or, if your issuer supports it, add the virtual card to your digital wallet, such as Apple Pay or Google Pay.
This is the same 'tap-to-pay' technology used in services like Apple Pay® and Google Pay®. To use it, you just open your mobile wallet, select your card, and hold your smartphone near the contactless symbol on the ATM.
You use your Chime virtual card by finding its details (number, CVV, expiry) in the Chime app under Profile > Cards, then using those details for online/in-app purchases, or adding it to Apple Pay/Google Pay for tap-to-pay in stores, linking to its security features. It works like your physical card but digitally, allowing immediate use before the physical one arrives and offering added security.
Add your card to a mobile wallet like Apple Pay or Google Pay by scanning the card image or manually entering details. Verify your card using your phone's on-screen prompts. Then, to make a purchase, open your wallet app and tap your phone on the payment terminal.
A virtual card is a unique 16-digit card number with a CVV code and expiration date that can be generated instantly and used to make purchases online or over the phone. Think of it as a normal credit or debit card, but without the physical plastic card.
Once they're in your Virtual Wallet, and the funds are there, you can either:
While it's not possible to use a cardless ATM, there are several other ways to get money out of Chime without a card:
Mobile payments welcome
Leave your wallet at home: The Chime mobile banking app supports mobile payment platforms like Apple Pay ®, Google Wallet ®, and Samsung Pay ®.
Using Your Digital Wallet
Look for a symbol at the checkout counter that indicates your digital wallet is accepted. Then, open your digital wallet app, select the card you want to use, and hold your phone near the payment terminal. You'll either need to enter your PIN or use your fingerprint to confirm the payment.
Your virtual card may decline if you don't have enough balance, the merchant doesn't accept your card, your card is inactive, or you are using the wrong billing address.
Yes, you can use a virtual card in stores, primarily by adding it to a digital wallet like Apple Pay or Google Pay for contactless tap-to-pay, or sometimes by manually entering the card number at the reader if the retailer supports it, though they're generally designed for online use and may not work for swiping or inserting like physical cards.
The 15/3 credit card payment method is a strategy to potentially boost your credit score by making two payments per billing cycle: one about 15 days before your statement closes (to lower reported utilization) and another around 3 days before the payment due date (to cover the rest and avoid late fees), though its actual impact on credit scoring is debated. It works by keeping your reported balance lower when the card issuer reports to bureaus, but experts note the specific timing isn't magical, and focusing on the reporting date is key.
Virtual cards don't have a PIN code.
You can also call (844) 244-6363 and follow the prompts to set or reset your PIN. You'll need your card information, so have it nearby. You don't need to set a PIN for the virtual card, since it can't be used at ATMs at this time.
To use a virtual card at checkout, especially online, select it as the payment method and let your browser autofill the details, or manually enter the unique card number, expiration, and CVV generated by your bank; for in-store use, you typically add it to a digital wallet (like Apple Pay/Google Pay) and tap to pay at the contactless reader, if supported.
Yes, for debit accounts on both retail and business, you can create a virtual card on a new or active account. For credit accounts, you can only create a virtual card on an active account. The FNB Virtual Card functions independently to the physical card.
At Chime, we offer virtual cards for all of our members directly in the Chime app. To find yours, simply visit Settings and tap Cards. This virtual card can then be used for Tap2Pay transactions, online shopping, and recurring bill payments.
Yes, you can use a virtual card in stores, primarily by adding it to a digital wallet like Apple Pay or Google Pay for contactless tap-to-pay, or sometimes by manually entering the card number at the reader if the retailer supports it, though they're generally designed for online use and may not work for swiping or inserting like physical cards.
One option is to transfer the money from the account linked to your virtual card to another account with a physical card associated with it to withdraw cash at an ATM. Depending on your virtual card provider, you might be able to do that from their dashboard.