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As of 2021, Chime is being used by roughly 12 MILLION people.
Pretty crazy when you think about it.
With all of Chime’s popularity, using it for direct deposits would be ideal for many.
Especially considering how EASY it is to use Chime.
How do you set up direct deposits? Don’t worry, it’s pretty easy.
You can manually set up direct deposits using your Chime routing and account number, print out and/or download a prefilled form OR you can streamline the process if you’re paid by one of the over 30 THOUSAND integrated partners (more on that later).
In the post below, I’ll show you EXACTLY how to properly set up your direct deposits using chime (so you avoid any potential issues) and other important information you should know.
How to Set Up Chime Direct Deposits (Step-By-Step)
You can set up Chime direct deposits using either the Chime app or the Chime website.
Below, I will show you step-by-step how to use both.
Using the Chime App:
- Step 1: Open your Chime app and log in to your account.
- Step 2: Tap on “Move Money” located at the bottom of the app.
- Step 3: Tap on “Move your direct deposit“.
- Step 4: Next, you’ll have several options. You can copy your routing and account number for setting up direct deposits. You can also tap on the “Get completed form” to have a pre-filled direct deposit form generated for you that you can print or email to your employer. Finally, you can also use the “Find employer” button to have Chime set up direct deposits automatically on your behalf with one of the 30,000+ integrated partners.
- Step 5: Verify that your information is correct.
Using the Chime Website:
- Step 1: Go to the Chime website and log in to your account.
- Step 2: Click on “Move Money” on the left side of the screen.
- Step 3: Either write down/copy your Chime account number and routing number and give it to your direct deposit source (such as your employer) or download/print a voided check that has all your information automatically added and give that to your direct deposit source.
Can You See Pending Direct Deposits?
While you CAN see pending transactions with Chime, you CAN’T see pending direct deposits.
This is because Chime reportedly releases your direct deposit funds as soon as they receive notification from your employer’s bank so the funds are never actually “pending”.
What’s Considered a Qualifying Direct Deposit?
Are you wanting to use Chime SpotMe or Chime Credit Builder and wondering what a “qualifying direct deposit” is with Chime?
Maybe you just want to know so you ensure you’re doing things right.
Don’t worry, it isn’t as complicated as it maybe sounds.
A qualifying direct deposit is a deposit of $200 or more from an employer, payroll provider, or benefits payer (such as pension or Social Security) deposited directly into your Chime account using an ACH system (aka Automated Clearing House system).
How to Set Up Chime Direct Deposits Without an Employer?
Setting up direct deposits with Chime without an employer is pretty much the same as it would be WITH an employer.
You’d get your Chime account and routing numbers (if you’re unsure how I explain above) and give them to wherever you receive payments from.
If you’re self-employed…
You’d give your Chime account and routing numbers to your payment processor.
If you’re trying to set up direct deposits for Government assistance programs, you’d likely do the same (though you may have to call them to find out exactly how you need to set things up).
A “qualifying direct deposit” is for at least $200 if you’re wanting to use Chime SpotMe or Chime Credit Builder.
When Would I Get My Direct Deposit?
If you just set up direct deposits with Chime (or your planning to), you are probably wondering when you should expect your money to arrive.
Keep in mind…
If this is your FIRST direct deposit using Chime, it probably WON’T come early.
However, future direct deposits MAY come early^.
So if your “normal” payday is Friday (for example), with Chime, you “might” end up getting paid on Wednesday by 5:00 PM ET.
This can depend on a few things though including what time your employer submits payroll and how long their ban takes to process things.
Because of this…
There really is NO set time and it will vary from person to person.
Here are the days and times you should expect your direct deposits (at the latest) by:
- Monday: Your direct deposit should arrive in your Chime account by 5:00 PM ET.
- Tuesday: Your direct deposit should arrive in your Chime account by 5:00 PM ET.
- Wednesday: Your direct deposit should arrive in your Chime account by 5:00 PM ET.
- Thursday: Your direct deposit should arrive in your Chime account by 5:00 PM ET.
- Friday: Your direct deposit should arrive in your Chime account by 5:00 PM ET.
- Weekends: Chime does not direct deposit on Saturday and Sunday.
- Banking/Federal Holidays: Similar to banks, Chime does not process direct deposits on banking or federal holidays so if your payday is on one, you won’t get paid until the following business day (at the earliest).
You’ll notice after a few payments that the day and time you get paid will be almost exactly the same.
There are some times when this can change unexpectedly (I’ll explain momentarily).
Is There a Fee?
Chime does not charge any fees for direct deposits in your account.
Are Chime Direct Deposits Really 2 Days Early?
Direct deposits CAN show up in your Chime account UP to 2 days early^.
However, it depends on a few things if that will happen.
Chime reports that it processes your direct deposit as soon as they get a notification from your employer’s bank.
If your employer (or source of your direct deposit) is slow to process things on their end, it can delay when you get your direct deposit.
Unfortunately, if this happens there really isn’t much you can do about it.
Common Reasons Your Direct Deposits May Be Late
For some people, direct deposits with Chime can show up later than they are expecting.
Sometimes they’ll get their direct deposit routinely 2 days early and then suddenly, they don’t and they get it a day later instead.
This can obviously cause some problems if you’ve paid bills (for example) thinking that you’d have your direct deposit in your account.
This is why it’s a bad idea to send a payment for ANYTHING before you actually have the money to pay for it.
So why do these direct deposits sometimes show up later than expected?
Let’s take a look at some of the common reasons why it might be late:
- This is your first direct deposit with Chime. Future direct deposits may come sooner though^.
- Your employer or your employer’s bank was slow with processing payroll and didn’t send a notification to Chime early enough causing it to be later than expected.
- There was a banking/federal holiday which can delay things (even if it isn’t on your payday).
- The Chime system had some kind of technical issue that delayed things.
What if I Have Problems?
If you have any problems with setting up direct deposits with Chime, you should contact Chime support for help.
This is how you can contact Chime support:
- By Phone: 1 (844) 244-6363
- By Email: email@example.com
Depending on the issue, you may have to contact the payroll department or the source of your direct deposit payments.
Wrapping Up – How to Set Up Chime Direct Deposits
- If you have a Chime account, setting up direct deposit is easy- either use your routing and account number or streamline the process if your direct deposit comes from one of the over 30,000 integrated partners.
- Chime direct deposits should be in your account by 9:00 AM ET Monday-Friday not including banking/federal holidays.
- Your first Chime direct deposit won’t probably be deposited early but future direct deposits could arrive up to 2 days early^.