Open A Second Chime Account

Open A Second Chime Account

Opening a Second Chime Account: A Step-by-Step Guide

In the era of digital banking, managing multiple accounts has become commonplace. Whether you’re a business owner, a freelancer, or simply someone who prefers to separate personal and business expenses, opening a second Chime account can be a convenient and efficient solution.

Chime is a popular online banking platform known for its user-friendly interface, no-fee checking accounts, and early access to paychecks. If you’re already a Chime customer and are considering opening a second account, this comprehensive guide will walk you through the process, providing you with all the necessary information and tips.

Benefits of Opening a Second Chime Account

There are several benefits to opening a second Chime account, including:

  • Segregate expenses: Keep business and personal expenses separate, making it easier to track and manage finances.
  • Receive multiple paychecks: If you have multiple income streams, you can have them deposited into separate accounts.
  • Manage savings goals: Designate one account for everyday spending and another for saving towards specific financial goals.
  • Avoid account closures: Some banks may close accounts with high balances or frequent transactions. Having a second account can prevent this.
  • Access to additional features: Some Chime features, such as the SpotMe overdraft protection, may be limited to one account per customer. Opening a second account gives you access to these features for both accounts.

Steps to Open a Second Chime Account

Opening a second Chime account is a straightforward process. Follow these steps:

  1. Log in to your existing Chime account: If you don’t have a Chime account, you can sign up for one here.
  2. Click on your profile picture: Located in the top right corner of the screen.
  3. Select “Add an Account”: This option will be available in the drop-down menu.
  4. Follow the on-screen instructions: You will be asked to provide your personal information, such as your name, address, and Social Security number.
  5. Verify your identity: Chime will use a variety of methods to verify your identity, such as a text message or email code.
  6. Choose your account type: You can choose between a checking account or a savings account.
  7. Set up your account: Once your account is approved, you can set up your account settings, such as your PIN and notifications.

Tips for Managing Multiple Chime Accounts

To effectively manage multiple Chime accounts, consider the following tips:

  • Use different login credentials: Avoid using the same username and password for both accounts. This will enhance security.
  • Set up separate budgets: Create separate budgets for each account to track expenses and manage cash flow effectively.
  • Use the “Move Money” feature: Easily transfer funds between your Chime accounts using the “Move Money” feature within the Chime app.
  • Monitor your accounts regularly: Regularly check your account balances and transactions to ensure everything is in order.
  • Consider using a budgeting app: Budgeting apps can help you track expenses across multiple accounts and stay on top of your finances.

Frequently Asked Questions

Q: Can I have multiple checking accounts with Chime?

A: Yes, you can have multiple checking accounts and one savings account with Chime.

Q: Is there a fee for opening a second Chime account?

A: No, there is no fee to open a second Chime account.

Q: How do I transfer funds between my Chime accounts?

A: You can transfer funds between your Chime accounts using the “Move Money” feature in the Chime app.

Q: Can I merge two Chime accounts?

A: No, Chime does not allow you to merge two accounts. However, you can close one account and transfer the funds to the other.


Opening a second Chime account can provide numerous benefits, from segregating expenses to accessing additional features. By following the steps outlined in this guide and adhering to the tips provided, you can effectively manage multiple Chime accounts and enhance your financial management. Whether you’re a business owner, a freelancer, or simply someone looking to streamline your finances, a second Chime account can be a valuable tool.

Is there anything else you’d like to know about opening a second Chime account? Let us know in the comments below!