Chime® Mobile Check Deposits (Complete 2023 Guide)

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Hey there, future finance wizards! 🌟

Ready to step into the modern era of banking with Chime mobile check deposits?

You’re in the right place.

Whether you’re already a pro Chime user or you’re just starting to dip your toes into the world of online banking, this guide will become your go-to resource.

Let me tell you, once you get the hang of it, you’ll wonder why you ever queued up in a bank for a mobile check deposit.

Key Takeaways

  • Your complete 7-step roadmap to mastering Chime mobile check deposits like a pro.
  • Trouble in paradise? Get to know the common hiccups that can decline your deposit and how to sidestep them.
  • Fees? What fees? Plus, how fast will that money actually land in your account?

7 Simple Steps to Master Mobile Check Deposits with Chime

1) Open Chime App

First off, you’ll want to open the Chime app. If you haven’t gotten around to downloading it yet, no worries. Head over to the App Store or Google Play, depending on whether you’re Team iPhone or Team Android. Follow the prompts to install, and boom! You’re in. You’ll find the interface is super intuitive, so don’t be intimidated if you’re new to this.

2) Navigate to the “Move Money” Tab

Logged in? Great! Your next pitstop is the “Move Money” tab. Think of this as your personal financial control center within the Chime universe. From direct deposits to wiring money to Aunt Karen, this tab has got it all. So, click or tap your way there and let’s keep this money-moving train going!

Tap on "Move Money"
Tap on “Move Money”

3) Tap “Mobile Check Deposit”

So many options, so little time, right? But hey, we’re here for one thing today—deposits! Look for the mobile check deposit option and give it a tap. Get ready, because you’re about to enter the heart of the deposit process. Have that check in hand? Sweet, let’s move on.

4) Choose the Check Type You’re Depositing

Alright, let’s talk checks. You’ve got your personal checks, payroll checks, government-issued checks—the whole nine yards. So make sure you specify what type of check you’re planning to deposit. It might sound like a minor detail, but trust me, it matters. Different check types have their own verification processes and can affect how quickly your deposit takes to clear.

5) Endorse Your Check for Mobile Deposit

Time to flip that check over and make your mark—literally. You need to endorse the check to make it legit. So, grab a pen and write your signature on the back. Below your John Hancock, write “For mobile deposit only.” This is like putting a digital padlock on your check, ensuring it can only be deposited through the app.

6) Take a Picture of the Front and Back of the Check

Here’s How

Say cheese—or rather, have your check say it. You’ll need to snap a pic of both the front and back. Make sure you’re in a well-lit area and that your check fills up the frame on your phone’s camera. A blurry or poorly lit image is the fastest way to a declined deposit, and nobody wants to deal with that headache.

7) Review and Submit Your Deposit

Almost there! Before you hit “Submit,” double-check all the details. Make sure the check amount is accurate and that you’ve chosen the right account for the money to go into. Once you’ve played detective and confirmed everything looks good, go ahead and hit “Submit.”

Keep Your Check!

Now, I know it might be tempting to go all ‘Mission Impossible’ and shred that check, but hold your horses. Keep it in a safe place until you see the deposit reflect in your Chime account. Pro tip: jot down the deposit date on the check as a reminder.

How to Void Your Check Properly

Oops, made an error? No biggie. Just write “VOID” in big, bold letters across the front of the check. This basically deactivates the check, preventing it from being used for any funny business.

Mobile depositing checks using Chime is pretty similar to any other mobile check deposit feature (if you’ve ever used one).

The biggest thing to be aware of (if you missed it in the intro) is you WON’T have access to the mobile check deposit feature unless you’ve set up direct deposits using your Chime account.

This video shows you how to mobile deposit a check using Chime

This is how to mobile deposit a check using Chime:

  • Step 1: Open the Chime app and log in to your account.
  • Step 2: Tap on “Move Money” at the bottom of the app.
  • Step 3: Tap on “Mobile check deposit”.
Tap "Mobile check deposit"
Tap “Mobile check deposit”
  • Step 4: Then choose the type of check you’re depositing and enter the amount of your deposit.
  • Step 5: Next, use your phones camera to take a photo of the front and back of your check. Make sure it’s properly endorsed before doing so. Review things and then submit it for approval.
Use your phone's camera to take a photo of the front and back of your check.
Use your phone’s camera to take a photo of the front and back of your check.

How to Endorse Your Check

To endorse your check for a mobile check deposit, sign the back of the check where it says “endorse here” and then write below it “for mobile deposit only”.

Technically you don’t HAVE to write “for mobile deposit only”, but it’s recommended in case you misplace the check so someone can’t take it to get cashed.

How Long Do Mobile Check Deposits Take – Are They Instant?

Mobile check deposits using Chime are NOT instant and can take UP TO 5 business days to process/clear and be available in your account.


In most cases, they’ll clear MUCH QUICKER than 5 business days (sometimes in a matter of only a few hours).

During this time, your mobile check deposit will show as “pending” in your Chime account.

I’ll show you how to check it in a sec.


When you’re waiting for your mobile check deposit to clear, it’s important to KEEP your check in case there are any issues with your deposit.

Trust me, it sucks to have your deposit fail and NOT have the check still.

How to See If Your Deposit is Pending

You can check to see if your mobile check deposit is pending by using the Chime app or Chime website.

Your deposit value will show up in grey text (as opposed to green) and will be showing in the “pending deposits” section of your transaction history (at the top of your transaction history).

Are There Fees?

There are NO fees when using mobile check deposits with Chime.

So THAT’S good – but also pretty standard?

Are There Limits?

Yes, there are limits when making mobile check deposits.

The limit amount will vary from person to person.

When you make a mobile check deposit, it will show you your current limit (on the screen where you enter your deposit amount).

You can also check your current mobile check deposit limit by doing the following:

  • Step 1: Open your Chime app and log in to your account.
  • Step 2: Tap on the gear icon in the top left corner of the app.
  • Step 3: Scroll down and tap on “View Limits”.
  • Step 4: Scroll down until you find the section for “Mobile check deposits”. These are your current limits for mobile depositing checks using Chime.

What’s the Cut Off Time?

There isn’t a specific cut off time to mobile deposit checks using Chime.

You can make them 24 hours a day, 7 days per week, 365 days per year.

Depositing them during normal business hours MIGHT help speed up the process of having your checks clear – but obviously that isn’t a guarantee.

if you’re making a deposit late in the week or near a Federal/bank holiday, you should expect a delay.

Why Won’t Chime Accept my Mobile Check Deposit?

There are a few reasons why Chime might reject your mobile check deposit.


I will list several of the more common reasons but if you’re still having problems, I recommend contacting Chime support to try to figure out the issue (I’ll show you how below).

5 common reasons why Chime might reject your mobile check deposit:

  1. The photo of the front and/or back of the check isn’t clear and/or easy to read. Ensure you’re using a well let room when doing this and that the image is in focus.
  2. You failed to properly endorse the back of the check.
  3. The person who filled out the check didn’t write clearly so Chime wasn’t able to read what was written on the check. You may need a new check from the person (or business) that issued it to you.
  4. The amount of the deposit you entered doesn’t match what’s written on the check.
  5. You’re trying to deposit a check that’s already been deposited (aka a duplicate deposit).

How to Contact Chime Support

There are a few different ways that you can contact Chime support.

Here’s how:

  • Within the Chime app: Tap on the question mark icon in the top left corner of the app to bring up your support options from within the app.
  • By phone: 1 (844) 244-6363
  • By email:

Wrapping Up – Chime Mobile Check Deposits

  • You can mobile deposit checks using the Chime App. However, you’re required to have direct deposits setup with your Chime account to access the feature.
  • Mobile check deposits are not instant and could take up to 5 business days to clear (though typically it’s much faster than that).
  • There are limits when making mobile check deposits. Your limit amount will vary from person to person. To see what yours is, you can check it within the app. It will also tell you the limit amount when you’re making a mobile check deposit.


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