Fee-free overdraft up to $100.¹ Get paid up to 2 days early with direct deposit.² Grow your savings.

1. Chime Bank Direct Deposit Info
2. Chime Bank Direct Deposit Time
3. Chime Direct Deposit Time
4. Chime Unemployment Direct Deposit Time

¹ Chime SpotMe is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher limit of up to $100 or more based on member's Chime Account. Bank Transfer Initiated Through the Chime Mobile App or Website: Up to 5 (five) business days from the date the transfer was initiated (Monday-Friday) excluding federal holidays. Bank Transfers from an External Account: These deposits are typically received within 3 (three) business days from the date the transfer was initiated by the originating bank. Chime offers mobile and online banking through its banking partners with no hidden fees‡. Overdraft up to $100. with no fees, get paid up to 2 days early with direct deposit^, and grow your savings instantly with purchase round ups and an optional High Yield Savings Account (get up to 0.50% Annual Percentage Yield‣ ). Save, spend, and manage your finances with the highly rated Chime mobile. When you receive direct deposit to your Online Chime Spending Account, you can access your funds up to two days early¹. No waiting for your money, and no paper check to get lost in the mail. You’ll get paid as soon as the money is available – which is often up to two days before traditional banks. A Direct Deposit is the fastest situation in which a mobile check will clear. The money will move over instantaneously. Bank transfers through the Chime app or website can take up to five business days, and bank transfers from an external account can take up to three business days.

Learn how we collect and use your information by visiting our Privacy Policy›

Overdraft fee-free with SpotMe

We’ll spot you up to $100 on debit card purchases with no overdraft fees. Eligibility requirements apply.^¹

Get paid early

Set up direct deposit and get your paycheck up to 2 days earlier than some of your co-workers!^²

Say goodbye to hidden fees³

No overdraft. No minimum balance. No monthly fees. No foreign transaction fees. 38,000+ fee-free MoneyPass^® and Visa Plus Alliance ATMs. Out-of-network fees apply.

Make your money grow fast

Chime Bank Direct Deposit Info

0.50% Annual Percentage Yield (APY)⁴. Set money aside with Automatic Savings features. And never pay a fee on your Savings Account.

Stay in control with alerts

You’re always in-the-know with daily balance notifications and transaction alerts

Security & support you can trust

Serious security

Chime uses secure processes to protect your information and help prevent unauthorized use

Privacy and protection

Your deposits are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank N.A.; Members FDIC

Friendly support

Have questions? Send a message to our Member Services team in the app or check out the Help Center.

Get started

Applying for an account is free and takes less than 2 minutes.
It won’t affect your credit score!

Learn how we collect and use your information by visiting our Privacy Policy›

Get your paycheck up to two days early¹

Get your paycheck early¹ with direct deposit. That’s up to two more days to do more with your money. Stop waiting and start getting paid early!

Learn how we collect and use your information by visiting our Privacy Policy›

Don’t wait for your paycheck

Chime Bank Direct Deposit Time

When you receive direct deposit to your Online Chime Spending Account, you can access your funds up to two days early¹. No waiting for your money, and no paper check to get lost in the mail. You’ll get paid as soon as the money is available – which is often up to two days before traditional banks.

Chime Direct Deposit Time

How to get paid early with direct deposit

Chime Unemployment Direct Deposit Time

Chime is more than a get paid early app. We offer a mobile banking account – including early direct deposit¹ – on behalf of our partners. One of the easiest ways to fund your Chime Spending Account is to set up direct deposit, which can be done in the Chime mobile app. When you open an account through Chime, you can email yourself a pre-filled direct deposit form that you can hand over to your employer. It’s that easy to start getting paid early¹ with direct deposit.

Learn how we collect and use your information by visiting our Privacy Policy›