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Do I need a bank account to use JIM?

No — you have everything you need right inside JIM.

After your seller profile is approved, you can manage your funds with no monthly fees, no maintenance charges, and no complicated paperwork.


Transaction fees:

  • Tap to Pay: 1.99% per sale (minimum $1)

  • Payment Link: 4.99% + $0.30 per transaction

  • JIM Card: Free to use

  • ACH Transfer: 1.99% + $0.99 per transfer (minimum $15)

With JIM you can:

  • Receive payments directly from your sales

  • Keep your balance safe in one place

  • Track every transaction in real time


Spend directly with JIM Card

Use your sales balance right away with your virtual JIM Card — no need to transfer anywhere. Whether you're buying supplies, making online purchases, or covering daily expenses, your balance is always ready.

Add it to Apple or Google Wallet and pay anywhere they are is accepted. There is no physical card and no ATM access.


Transfer to your bank — ACH Transfer

Move money from your JIM balance to your U.S. bank account:

  • Fee: 1.99% + $0.99 per transfer

  • Minimum transfer: $15

  • Funds arrive same business day

  • Total fee and net amount shown before you confirm


Payment Link

Accept remote payments by sharing a link — your customer doesn't need the JIM app.

  • Fee: 4.99% + $0.30 per transaction

  • Funds are instantly available in your JIM account


Why this matters

Not having to open or maintain a separate bank account saves time, paperwork, and fees. With JIM, everything you need to run your business financially is in one platform.


Need more help?

✨ Chat with us

Get instant answers using our smart chat, right in the app.

Need a real person? Open the app → tap the (...) button → HelpChat.

Available Monday–Friday, 9am–5pm EST.

📞 Give us a call

Prefer talking it out? Reach us at +1 (833) 315-2573.

Available Monday–Friday, 9am–5pm EST.

📧 Email us

Send us a message anytime at help@jim.com and our support team will get back to you with personalized help.

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