Here at Chime, we’re all about bringing you financial peace of mind. Whether it’s getting your paycheck earlier,¹ getting support when you overdraft, or working on your credit history, we always have your back. And the first step to unlocking these awesome features is by setting up direct deposit.

1. What Time Does Chime Direct Deposit Hit
2. Chime Pending Deposits
3. What Time Does Direct Deposit Hit Chime

Banking Services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa ® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. And may be used everywhere Visa debit cards are accepted. The Chime Visa ® Credit Builder Card is issued by Stride Bank. Your access to Mobile Check Deposit is determined by Chime in its sole discretion based on the history of any Chime-branded accounts you have, direct deposit history, and direct deposit amounts and other risk-based factors. When you deposit cash to your Chime. To set up direct deposit, you must provide your Chime routing number and account number to your payroll or benefits provider. You can get this information using the Chime mobile app or the website, www.chime.com. In the Chime mobile app. Tap Move Money to see your Chime. @quarterris @Chime why didn't @Chime let customers now that there is problems receiving direct deposits today. My lights just got turned off cause my deposit was supposed to be here at 12 pm My lights just got turned off cause my deposit.

If you haven’t set it up yet, you’re in the right place! We’ve outlined two easy ways to start getting your paycheck into your Chime account. 😎

In order to set up direct deposit, you’ll need to have your Routing Number and an Account Number handy. You can find this info in your Chime app, under Settings. Tap that gear icon on the top left of your screen and you’ll see it under Account Information.

Manual via direct deposit form

Go to Settings > Account Information > Set Up Direct Deposit > Get direct deposit form

What Time Does Chime Direct Deposit Hit

1. If you click “Get direct deposit form,” we’ll instantly email you a PDF version of the form.
2. Check your email, and open the PDF form.
3. In the “Amount” section, check one of the following boxes: Deposit my entire paycheck, Deposit $__ dollars of my paycheck, Deposit __% of my paycheck.
4. Choose the amount of your paycheck you want to be deposited and sign at the bottom.
5. In the “Authorization” section, write in your employer or payer’s name.
6. Sign and send it to your Human Resources department, payroll provider, or manager!

Automatic via employer portal

1. Log directly into your payroll provider portal (like ADP, for example) to update your payment method.
2. Enter your account information into the portal.
3. Choose the amount of your paycheck you’d like to deposit and save your changes.
4. Confirm with your Human Resources department, payroll provider, or manager that everything was set up correctly.

☝️ Note: You can follow the same steps if you’re depositing unemployment benefits. Just make sure you’re using your state’s government portal instead of your payroll provider.

🚩 Direct deposit capability is subject to payers' support of this feature.

Once your direct deposit is all set up and approved by your employer, you can expect to receive your first Chime deposit within your next 2 payment cycles.

On top of that, you’ll unlock all kinds of new features as a Chime member! Here are a few:

Get paid early¹

Get your paycheck up to two days earlier with direct deposit. This is a feature we offer by making your money available as soon your employer sends it – which is often up to two days before some traditional banks make the funds available to you.

SpotMe

Our SpotMe feature lets you overdraft up to $100 on debit card purchases with no fees². All Chime members with $500 or more in monthly qualifying direct deposits are eligible to enroll.

Credit Builder

Eligible Chime member⁴ can get access to our first-ever secured credit card, made to help you build credit over time by offering automatic payments and reporting your progress to the major bureaus every month.^⁵ There’s no credit check to apply, plus it has no fees, no interest, and no minimum security deposit³.

In a nutshell, direct deposit is easy and free to set up. And by doing so, you’re able to get the most out of Chime—by getting paid earlier¹, overdrafting without the fees², and working on your credit!

Chime Routing Number

Chime works with banks that provide banking services for your Chime Online Banking Account. The bank’s name appears in the Spending Account and Savings Account Agreement and also appears on the back of your Chime Visa^® Debit Card.

Your Routing Number will depend on which bank provides your banking services for your Chime Spending Account.

How to find your Chime Routing Number

• Log in to your Chime Account via the Chime mobile app or at chime.com.
• Go to the Move Money section of your Chime Account and select Direct Deposit.
• The name of bank that provides banking services for your Chime Spending Account, along with the Routing Number and Spending Account Number will be visible on the Direct Deposit screen.

Chime Pending Deposits

What is a Routing Number?

A Routing Number is a nine-digit number that used to identify a bank or financial institution when clearing funds for electronic transfers or processing checks in the United States.

When do you need a routing number?

Questions?

Check out our FAQ

Chime is a full-featured deposit account. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers through the Automated Clearing House (ACH) Network.

Chime gives you:

• A Chime Visa® Debit Card
• An FDIC-insured deposit account that can be managed entirely from your smartphone
• An optional Savings Account that helps you save money without thinking about it

Chime bank accounts are insured up to the standard maximum deposit insurance amount of $250,000 through our partners, The Bancorp Bank or Stride Bank, N.A., Members FDIC.

To set up direct deposit, you must provide your Chime routing number and account number to your payroll or benefits provider. You can get this information using the Chime mobile app or the website: www.chime.com.

In the Chime mobile app:

1. Tap Move Money to see your Chime routing number and account number so that you can give this information to your payroll or benefits provider.
2. Optionally, from Move Money, tap Direct Deposit > Email me a pre-filled direct deposit form to send the completed form to yourself.

You can either print the form to give to your provider or forward it to them by email.

On the Chime website: www.chime.com

1. Click Move Money to see your Chime routing number and account number to give to your payroll or benefits provider.
2. Optionally, click Print or Download to get a completed direct deposit form.

You can give the printed form to your provider or attach it in an email to send to them.

NOTE: If you need to provide the address of the bank to your payroll or benefits provider, give them the name and address of Chime’s FDIC-insured partner banks that hold your deposits:

What Time Does Direct Deposit Hit Chime

The Bancorp Bank
6100 S Old Village Pl
Sioux Falls, SD 57108

Stride Bank N.A
324 W Broadway Ave
Enid, OK 73701

Chime partners with two banks, The Bancorp Bank and Stride Bank, to support your account and create an improved member experience. Your Chime account is specifically tied to one of these banks. There is no difference in features, benefits, or member experience between the two banks. You must use the routing number displayed in your app; doing so will ensure your funds are correctly directed to your Chime Spending Account.

Chime is a technology company that is in the business of providing access to banking services. While Chime provides the digital experience to access your funds, your bank account is backed by one of two partner banks, The Bancorp Bank and Stride Bank, N.A.. Your Chime Spending Account is insured up to the standard maximum deposit insurance amount of $250,000 through our partners, The Bancorp Bank or Stride Bank, N.A., Members FDIC.