As of January 23, 2026, Chime is not experiencing any major, widespread, or ongoing outages. All core services, including mobile app, in-app support, and logins, are operational. While there were a few isolated, minor user reports in the last 24 hours, these have been resolved.
Reasons your direct deposit hasn't hit
That said, if you haven't received your direct deposit, it could be for several reasons: Your employer entered an incorrect date when processing your payroll. Processing is taking longer than usual due to holidays (payday falling on a bank holiday often delays direct deposits).
Transactions can decline if you exceed the spending or withdrawal limit on your Checking Account, or the available-to-spend limit in your Credit Builder or Chime Card account.
Chime processes direct deposits on business days—Monday through Friday—excluding weekends and federal or bank holidays. If your deposit is scheduled for a weekend or holiday, it will be posted on the next business day.
Chime login issues often stem from phone number verification problems (new number, blocked texts), app/device glitches (try restarting/clearing cache), or potential security flags like unusual activity, with solutions including updating your number in the app, checking your blocked contacts (make sure 24463 isn't blocked), or contacting 24/7 support via the app or phone at (844) 244-6363 if issues persist, always checking status.chime.com first for service outages.
According to the official Chime status page, the service is currently up . For the most recent updates, check the 'Recent Outages and Issues' section above.
Periodically, Chime may undergo scheduled maintenance or experience temporary outages that impact card availability for users. During such instances, users may encounter messages indicating that their Chime card is temporarily unavailable.
Typically, checks deposited through the Chime mobile app can take up to five business days to post to your account. However, in many cases, the funds may be available sooner, often within one business day. To expedite availability, consider depositing the check before the 5:00 PM EST cut-off time on a business day.
uggh! The 2019 Chime banking app outage was caused by a database malfunction at its third-party payment processor, Galileo Financial Technologies.
When Chime says "something went wrong," it usually means a transaction or feature is blocked for security, an app glitch, or an account issue; check the app for specific details, try again later, ensure you're sending money to trusted people, restart the app, check for Chime outages on Downdetector, or contact Chime Support, especially if you see fraud warnings or unusual activity.
You can see pending deposits in your list of transactions in your Chime mobile app. Pending deposits appear in gray, then will change to green once the funds are available. In other words, if a deposit is in gray, you won't be able to access it yet.
Chime direct deposits hit as soon as Chime receives the payment file from your employer, often up to two days early, but usually by 9:00 a.m. EST on your scheduled payday at the latest, with timing varying based on when your payer sends funds. Funds are made available immediately (no holds) and can arrive anytime from the night before to the morning of your payday, with holidays or weekends causing delays.
Mobile check deposit allows you to deposit checks remotely from your mobile phone at any time. Your money is usually available within one business day, but sometimes the process takes longer. ¹ When you use mobile check deposit in your Chime app, processing can take up to five days.
User reports indicate no current problems at Chime.
What if my direct deposit is delayed? Delays in direct deposit processing can occur due to bank holidays, employer payroll processing schedules, or issues with your payer. If you don't see your deposit, it's likely still being processed by your employer or benefits provider.
Chime posts direct deposit payments to your checking account Monday through Friday. Our banking partners do not process payments on weekends or banking holidays.
It may be possible that your employer's payroll manager made an error when processing your paycheck. For example, they may not have accounted for a bank holiday during the payroll process, or they may have submitted payroll after your financial institution's cutoff time for direct deposits.
Yes, a doorbell chime can go bad. Common issues include worn-out mechanical parts, electrical malfunctions, or wiring problems.
Chime may freeze or close an account if it detects a security issue or evidence of fraud. Some red flags could include: Unusual activity in your account, such as sudden large transfers or transactions that don't match your usual spending patterns.