With Chime's Get Paid Early, you can get your paycheck up to two days ahead of your scheduled payment date. ¹ As soon as Chime receives your paycheck from your employer, we deposit the funds in your account. To unlock the perks of Get Paid Early with Chime, just open a checking account and set up direct deposit.
Cash deposits typically post within two hours of a successful transaction. Checks deposited through the Chime mobile app. Checks deposited through the Chime mobile app typically post up to five business days from the date of the deposit.
You can tap the “View Transactions” option in the Chime app to see all pending deposits for your account.
Delays can happen due to factors beyond Chime's control, such as bank holidays or timing from your payer. If delays persist, contact your payer to confirm the direct deposit details. Check the Social Security and SSI calendar: These payments follow a specific schedule.
Direct deposits post Monday to Friday throughout the day.
As a general rule of thumb, direct deposits with Chime will be in your Chime account by 9:00 a.m. EST on your typical payday. However, this is the latest you will get your direct deposit with Chime, and often it will come at an earlier time.
All systems are currently available.
Direct deposit is usually processed before 9 am on your scheduled payday. If a payday falls on a weekend or holiday, the deposit may be delayed to the next business day, or your employer may schedule it so it occurs early.
You may need to wait up to five business days for your money to appear in your account after using Mobile Check Deposit. This hold time helps us ensure the check clears and allows us to accept more checks through the Chime app.
You can check to see if a direct deposit is pending or has posted by signing in to your bank's mobile app or website. For paychecks and other employee payments, your human resource department should be able to provide information about a direct deposit's status.
If a scheduled deposit hasn't posted to your account, you can: Ask a bank representative if the problem is with the financial institution. Check with your employer or the organization that issued the direct deposit. Make sure you provided the right account information and routing number.
Usually, you'll have access to your direct deposit at the opening of business on your payday — by 9 a.m. In many cases, direct deposits hit accounts even earlier, often between midnight and 6 a.m. on payday morning. But there are factors that can affect how long it takes your direct deposit to become available.
How much money can I add to my account through direct deposit? There's no limit to the amount you can direct deposit into your account.
Once you set up direct deposit with Chime, you'll be on your way to MyPay. Most members' credit limits start between $50-$100. Limits can increase as soon as the next pay cycle. Continue to use Chime and within a few months you could reach higher credit limits, up to $500.
Although direct deposit times vary, don't be fooled by popular myths. Another common myth is that you won't receive your direct deposit if your payday is on a Friday. However, depending on your bank, your deposit could hit your account by 9 a.m. on Friday. Some people confuse paycheck and direct deposit.
Once your direct deposit is set up and approved by your employer, you can expect to receive your first Chime deposit within your next two payment cycles.
Yes. You can see pending deposits on the Activity page of 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.
Delays can happen if direct deposit payments are initiated on a federal bank holiday or the request goes out after business hours. Another reason may be that your employer sent in its payroll file later than usual. Significant delays from the bank are rare. Payment delays are usually an employer payroll problem.
With a Chime Checking Account, you can set up early direct deposit in the Chime app to access your entire paycheck up to two days early1 – with no fees in sight.
Standard deposit times
Most recipients can expect their direct deposits to be available by 9 a.m. on payday, with many banks allowing funds to be released between midnight and 6 a.m. If your bank allows for the funds to be released sooner, you'll see them then.
Available balance is the most current record we have about the funds that are available for your use or withdrawal. It includes all deposits and withdrawals that have been posted to your account, then adjusts for any holds on recent deposits and any pending transactions that are known to the Bank.
Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®.
Chime Time is a mindful listening strategy aligned with the CASEL Competencies of Self Awareness and Self Management. This activity is a perfect way to center ourselves and ground ourselves for effective teaching and learning.
Your Chime account may not have enough funds to cover the payment, causing the transaction to be declined.