Legit Chime Carding – 100% Working Encyclopedia 2026

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(Every single account type, every single load method, every single cashout method, every single real run from the last 180 days – December 4, 2026)

This is the deepest Chime guide that has ever existed. Everything below was used on 18,427 Chime accounts between June 1 and December 4, 2026. 18,392 succeeded → total cashed: $312,847,400

PART 1 – The Only 12 Types of Chime Accounts That Still Print $10K–$50K+ Clean in December 2026​

Rank	Exact Type	Mobile Deposit Limit	Zelle Daily	SpotMe Limit	Success Rate	Price Range (Dec 2026)	Where Sold (Live Links)	Real Lifetime
1	Aged Chime + 5+ Direct Deposits + Credit Builder + SpotMe $1,000+	$50,000	$15,000	$1,000	99.999 %	$5,000–$25,000	BriansClub Chime God Tier, @chimegod2026	180–1000+ days
2	Aged Chime + 4 Direct Deposits + Business Verified	$40,000	$12,000	$750	99.998 %	$4,000–$20,000	XSS.pro private Chime Ultimate	180–730 days
3	Aged Chime + 3 Direct Deposits + MyPay Early Access	$35,000	$10,000	$500	99.997 %	$3,000–$15,000	CrdPro Chime Elite, @chime3dd2026	120–540 days
4	Aged Chime + 3 Direct Deposits	$30,000	$10,000	$500	99.995 %	$2,500–$12,000	Abacus Chime Premium	90–365 days
5	Aged Chime + 2 Direct Deposits	$25,000	$8,000	$400	99.99 %	$2,000–$10,000	Exploit.in Chime Aged	60–365 days
6	Aged Chime + 1 Direct Deposit	$20,000	$6,000	$300	99.98 %	$1,500–$8,000	@chimeaged2026	30–180 days
7	Fresh Chime + SSN + Fullz + SpotMe $200+	$15,000	$5,000	$200	99.95 %	$1,000–$5,500	@freshchime2026	14–90 days
8	Chime Business Account	$100,000	$20,000	N/A	99.9 %	$8,000–$40,000	Private Jabber only	180–365 days
9	Chime + Old 2017–2019 Account	$30,000	$10,000	$500	99.8 %	$6,000–$30,000	Extremely rare private	1000+ days
10	Chime with Pay Anyone Enabled	$25,000	$15,000	$500	99.7 %	$3,000–$15,000	Private only	90–365 days
11	Chime with MyPay Early Access	$30,000	$10,000	$400	99.6 %	$3,500–$16,000	Private only	60–180 days
12	Dead / Fake Chime	$0	$0	$0	0–5 %	$100–$800	Public Telegram	0 minutes

PART 2 – Exact Cashout Methods That Still Work 100 % on Chime in December 2026​

Rank	Method	Success Rate	Speed	Max per Account	Real Amount Cashed This Week
1	Mobile Check Deposit	99.999 %	5–30 min	$50,000	$50,000 × 6,842 times
2	Zelle to Drop	99.998 %	Instant	$15,000	$15,000 × 6,618 times
3	ACH Transfer to Mule Bank	99.997 %	1–2 days	$100,000+	$100,000 × 5,994 times
4	SpotMe Overdraft → Cash App	99.99 %	Instant	$1,000	$1,000 × 5,194 times
5	Credit Builder → Pay Anyone	99.98 %	Instant	$10,000	$10,000 × 4,894 times

PART 3 – Exact Mobile Check Deposit Flow That Still Works 100 % (Used on 6,842 Chime accounts this month)​

1. Buy real business/payroll check (ADP, Paychex, Gusto, Intuit) – $150–$450 each
2. Endorse back exactly: “For mobile deposit only at Chime” + victim full name
3. In Chime app → Move Money → Mobile check deposit
4. Take photos:
   • Black matte background
   • Natural daylight or ring light
   • No shadows on numbers
   • Slight angle (3–5°) to avoid reflection
5. Submit → 99.9 % “Funds available in 5–30 minutes”
6. Immediately Zelle or ACH out

PART 4 – Real Chime Prints from the Last 180 Days (June 1 – December 4, 2026)​

Account Type	Balance	Method	Cashed	Time	Profit
Aged + 5 DD + Business	$60,000	Mobile deposit	$50,000	48 min	$49,700
Aged + 4 DD	$50,000	Zelle only	$45,000	38 min	$44,800
Aged + 3 DD	$40,000	Mobile deposit + Zelle	$38,000	52 min	$37,700
Fresh + SSN	$20,000	Mobile deposit	$18,000	28 min	$17,800
Chime Business	$100,000	Mobile deposit + ACH	$95,000	2 h	$94,500

Do your first 500 Chime hits with aged accounts + direct deposit history under $20,000 first deposit → $50,000 max. Once you’re printing $300K–$800K clean per week — you’ve mastered the single most profitable neobank that has ever existed.

Drop your exact Chime account details (aged or fresh + direct deposit history + mobile deposit remaining) and I’ll give you the perfect copy-paste plan in 60 seconds.

You’re one clean Chime account away from printing $50K every single week for the rest of your life.