Does Chime Accept Third Party Checks? (YES if you Do This)

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Ever found yourself stuck with a third-party check and a Chime account, unsure how to combine the two or how to deposit that third-party check?

You’re not alone.

In this comprehensive guide, we’ll unravel the mystery and show you a foolproof workaround to deposit third-party checks into your Chime account.

Keep reading to discover the simple workaround that makes depositing third-party checks into Chime a breeze.

Key Takeaways

Chime does not directly accept third-party checks but there is a simple workaround to deposit third-party checks using Chime.
There are workarounds that still allow you to ultimately deposit the third-party check into your Chime account.

Chime’s Policy on Third-Party Checks

Unfortunately, Chime does not directly accept third-party checks through their mobile check deposit feature. This means that you cannot deposit a check made out to someone else into your Chime account.

Chime’s mobile check deposit feature is specifically designed to accept checks made out to the account holder. This policy helps to ensure the security of your funds and prevent fraudulent activity.

If you receive a third-party check, you must first endorse the check by signing the back of it. Then, you can use the mobile check deposit feature to deposit the check into another bank account that does accept third-party checks. Once the funds are available in your other account, you can transfer them to your Chime account.

While this workaround requires an extra step, it is the easiest and most secure way to deposit a third-party check with Chime.

74% of respondents reported a rise in third-party check fraud
Source: OrbGraph

The Workaround for Depositing Third-Party Checks with Chime

If you receive a third-party check, you’ll have to deposit into another account first before being able to transfer those funds to your Chime account since Chime doesn’t directly allow you to deposit third-party checks.

Below, I’ll show you a couple of ways you can easily deposit your third-party check.

Once the funds are available in your other account, you can transfer them to your Chime account. While this workaround requires an extra step, it is the easiest and most secure way to deposit a third-party check with Chime.

The Easiest Way to Deposit a Third-Party Check

One of the easiest ways to deposit a third-party check into your Chime account is to first deposit it into Cash App and then transfer those funds to your Chime account.

Step 1: Open Cash App. Launch Cash App on your mobile device and log in to your account.
Step 2: Navigate to the Banking Tab. Tap on the “Banking” tab, represented by a building icon at the bottom of the screen.
Step 3: Select “Deposit Checks”. Scroll down and select the “Deposit Checks” option.
Step 4: Capture Check Images. Follow the on-screen instructions to capture clear images of both the front and back of the endorsed check.
Step 5: Confirm Deposit Amount. Enter the amount written on the check and confirm.
Step 6: Review and Submit. Review all the details to ensure they are accurate, then tap “Submit.”

Like with Chime, it’s important to ensure you check and follow the Cash App terms of service though to ensure you aren’t doing anything that could compromise your account.

How to Transfer Money from Cash App to Chime

Once you have your funds deposited into Cash App, the next thing you have to do is transfer those funds from Cash App to Chime.

Here’s how:

Step 1: Open Cash App. Launch the Cash App on your smartphone.
Step 2: Go to ‘Cash Out’. Tap on the ‘Cash Out’ button at the bottom.
Step 3: Enter Amount. Enter the amount you wish to transfer.
Step 4: Choose Deposit Speed. Select the deposit speed: instant or standard.
Step 5: Add Bank Account. Add your Chime bank details.
Step 6: Confirm Transfer. Confirm the transfer by entering your Cash App PIN or using Touch ID.

If you’re looking for an alternative method, keep scrolling. We’ve got another option for you.

The More Difficult Way to Deposit a Third-Party Check

Alternatively, you could take the third-party check to the bank that issued the check and have them cash it. Then you could take the cash and have it added to your Chime account.

This is obviously more of a pain but it’s pretty much guaranteed to work without issue.

Once you have the cash, you can utilize one of the following methods to deposit that cash into your Chime account.

1) Using Green Dot to Deposit Cash

Step 1: Locate a Green Dot Location. Find a Green Dot location near you. These are usually available in stores like Walmart, Walgreens, and CVS.
Step 2: Fill Out the Deposit Slip. At the Green Dot location, fill out a deposit slip with your Chime account details.
Step 3: Hand Over Cash. Give the cash along with the deposit slip to the cashier.
Step 4: Confirm the Transaction

You’ll receive a confirmation message from Chime once the deposit is successful.

2) Utilizing Cash Deposit Partners

Step 1: Find a Partner Location. Locate a retail partner that allows Chime cash deposits, such as 7-Eleven or CVS.
Step 2: Use the Chime App. Open the Chime app and navigate to the ‘Move Money’ section to generate a cash deposit code.
Step 3: Show the Cash Deposit Code. Show the generated code to the cashier at the retail location.
Step 4: Deposit Cash. Hand over the cash to the cashier, who will then complete the transaction.

3) Depositing Cash via Money Order

Step 1: Purchase a Money Order. Buy a money order from a post office or a retail location using your cash.
Step 2: Fill Out the Money Order. Write your Chime account details on the money order.
Step 3: Mail the Money Order. Mail the completed money order to Chime’s mailing address.
Step 4: Confirm Deposit. Wait for a confirmation from Chime that the money order has been received and deposited.

Wrapping Up – Does Chime Accept Third-Party Checks?

In the article, I focus is on how to deposit third-party checks into a Chime account—a process that’s not straightforward due to Chime’s policy.

The article suggests two primary workarounds. First, you can use Cash App as an intermediary: deposit the third-party check into Cash App and then transfer the funds to your Chime account. Alternatively, you can cash the check at the issuing bank and then deposit the cash into your Chime account using methods like Green Dot or Chime’s retail partners.

I provides step-by-step instructions for each method and emphasizes the importance of adhering to the terms of service of any financial apps used.

Overall, it offers a practical solutions for those looking to deposit a third-party check into a Chime account.

FAQ

Q: Does Chime Accept Third Party-Checks?

A: Unfortunately, Chime does not directly accept third party checks through their mobile check deposit feature. This means that you cannot deposit a check made out to someone else into your Chime account. However, there is a simple workaround where you can still deposit third-party checks.

Q: Is There a Workaround for Depositing Third-Party Checks with Chime?

A: Yes, there is a simple workaround. To deposit a third-party check with Chime, you first need to deposit it some place that accepts third-party checks. Currently, users report Cash App works for this and then you simply transfer your funds from Cash App to Chime. Alternatively, you can take the third-party check to the bank that issued the check and cash it there and then take that cash and add it to your Chime account.

References

Author Profile

Jeremy Davidson is a feature writer at aTimeforCash who is a regular user of various financial apps including Venmo, Chime, Cash App and more. He enjoys helping people with financial apps, online banking, crypto, and other areas of basic personal finance. In addition to a passion for helping others, Jeremy also enjoys storm chasing and has seen over 60 tornadoes since 2006. He lives in Omaha, Nebraska with his wife and two children.