Why was my direct deposit returned to my employer?

Chime reviews direct deposits to Checking Accounts automatically. Our review system may return your direct deposit to the payer for any of the following reasons:

    • Business name: If the deposit is a Small Business Administration (SBA) loan, or if the name on the deposit is a business name rather than that of the Chime account holder, we return the deposit. Chime Checking Accounts are for individuals and personal use only.
    • Closed Chime account: If your Checking Account is closed, we return.
    • Name mismatch: If the name on your direct deposit doesn’t match the name associated with your Chime Checking Account, we return the deposit. 
    • Reversed by payer: Deposits may be returned at the request of the payer or by the issuing bank. 

What should I do if my direct deposit was returned?

Payers get returned deposits back within three business days. We recommend contacting your payer directly to verify the deposit details, or to arrange another method of payment.

Was this article helpful?
710 out of 2905 found this helpful

Chime® is a financial technology company, not an FDIC-insured bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

The Chime Visa® Debit Card and the secured Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Please see back of your Card for its issuing bank.

*Chime is not FDIC-insured. The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

© 2013-2025 Chime. All Rights Reserved.