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When using an online-only bank, many people wonder what options they have when it comes to depositing a physical check.
With over 12 million users worldwide, Chime is one of the most popular online-only banks available.
But how do you deposit checks with Chime? Can you mail a check to them for deposit?
I’ll answer these and other Chime check deposit questions below.
In This Post:
- 1) Can Chime Deposit Personal Checks?
- 2) Can Chime Deposit 3rd Party Checks?
- 3) How to Deposit Checks on Chime (Step-By-Step)
- 4) Can I get a Voided Check from Chime?
- 5) Can I mail a Check to Chime for a Deposit?
- 6) Can I order Checks from Chime?
- 7) Does Chime Instantly Deposit Checks?
- 8) How Long Does it Take For a Deposited Check to Clear?
- 9) Do Chime Deposit Checks on Weekends or Holidays?
- 10) Are There Fees for Depositing Checks with Chime?
- 11) Can I Deposit my Husband’s Check on Chime?
- Wrapping Up
1) Can Chime Deposit Personal Checks?
Yes, Chime can deposit personal checks. Also, it is pretty simple to do, especially when using mobile check deposit on your phone.
I’ll show you exactly how to deposit checks into your Chime account momentarily.
2) Can Chime Deposit 3rd Party Checks?
Yes, you can deposit 3rd party checks into your Chime account. If you’re trying to deposit a 3rd parky check or someone else checks into your Chime account, then you will be able to do it under one condition.
For those unaware, 3rd party checks are any checks that are not made payable to you directly, and on whose behalf the check is written, a third-party endorses it.
When a 3rd party check is written out to someone and deposited into their account, the owner must sign the check’s back. So yes, the check owner must sign it as an agreement to deposit the check into your Chime bank account.
Now, let’s take a look at exactly how to deposit those checks using your Chime account.
3) How to Deposit Checks on Chime (Step-By-Step)
To deposit checks using your Chime account, open the Chime app on your phone. Please note, it is not possible to deposit checks using the Chime website. You also need to have direct deposits set up on your account to unlock the mobile check deposit feature. If you don’t, you are unfortunately out of luck.
Now that your Chime app is open, follow these steps below:
- Go to the “Move Money” option with the app.
- Tap on “Mobile Check Deposit”.
- Choose the type of check you are depositing; U.S. Treasury, Payroll Provider, or Other.
- Choose the account to deposit the check into (checking or savings).
- Next, you will need to enter the check amount.
- You must take a photo of both sides of the check.
- Check the deposit details after you have captured your check images on your device.
It is crucial to capture a clear image of both sides of your check when you take a picture of it. By doing so, you’ll skip the annoying step when Chime has you redo it if there’s a problem with your picture quality or lighting.
Next, remember to verify the check is signed, the right account is selected, and that the amount is entered correctly. Also, wait until the check clears before spending any money in your bank account.
4) Can I get a Voided Check from Chime?
Yes, you can void a check from Chime. The term ‘voided check’ refers to a check that cannot be used to make a payment from your account. Making a check voided is simple to do, and all you have to do is write the word “VOID” on the front with a pen or marker.
Remember not to cover up the routing number or bank account number on the bottom when writing “VOID” on a check. For the purpose of sending or receiving payments, these numbers are required.
5) Can I mail a Check to Chime for a Deposit?
Based on the Chime terms of service, you can not and should not mail checks for deposit to Chime.
The only time you should mail a check to Chime is when you have a negative balance in your Chime account and you’ve been instructed by Chime to mail a check to pay the balance.
Additionally, Chime states that they are not responsible for any lost or stolen checks that are mailed to them.
If you have a check to deposit and you use Chime, your best option is to use the mobile deposit feature form within the Chime app.
If for some reason you can’t use the mobile deposit feature, your next best option is to take the check to the bank for the person or company who wrote the check and have it cashed. It may cost you a few dollars and a bit of your time, but it’s better than making the mistake of mailing the check and never seeing it again.
6) Can I order Checks from Chime?
If you want cute, unique checks from Chime, you won’t be able to order them from the online bank. Although Chime does create and mail an automatic check to your desired address.
Also, another bonus is that it is free for you to do as a Chime user. I believe this option is better than having cute paper checks thrown in the corner of your home that you’ll only use once every two years.
7) Does Chime Instantly Deposit Checks?
It does not take long for Chime to deposit checks into your account most of the time. Also, it does not happen instantly within a flash of seconds. However, it would be nice if that did happen.
You can expect Chime to deposit most checks into your account between 3-5 business days. If your check does not deposit within that time frame, you should contact Chime support.
8) How Long Does it Take For a Deposited Check to Clear?
A deposited check typically clears within two to five business days, but it may take the bank longer to deliver the funds, which can take up to five business days. Again, your relationship with your bank and the standing of the payer’s account determine how long it takes for a check to clear. Also, if it takes a while to know for your check to clear, you need to call support for help.
9) Do Chime Deposit Checks on Weekends or Holidays?
Sadly, Chime will not rush to do this if you’re trying to get deposit checks during the weekends or federal holidays. Therefore you’re going to have to wait until the next business day for your check to be deposited into your account. So, if it’s Saturday or Veteran’s day, it’s better to wait until the next business day to deposit your check with Chime.
10) Are There Fees for Depositing Checks with Chime?
One of the best things about Chime is that there are usually no fees associated with anything. For example, there are no monthly fees, minimum balance, or overdraft fees.
Luckily for you, a Chime user, there are no fees for depositing checks with Chime. Aren’t you happy to hear this?
11) Can I Deposit my Husband’s Check on Chime?
When you’re married or in a committed relationship, there may be times when you have to deposit your spouse’s check into your bank account. If you’re trying to deposit your spouse’s check into your Chime account, then you should be able to do it.
All you have to do is follow the steps above to deposit the check into your account. Also, your husband will have to endorse the check with his signature before you can deposit his check in your account.
When it comes to depositing checks with Chime, it is pretty simple. However, if you ever need help when depositing checks into your account, it is best to contact support. The number to reach Chime support is 1 (844) 244-6363.