How do I deposit money into my account?


How do I make direct deposits?

The easiest way to deposit funds to your Spending Account is by direct deposit from your employer. 

To make direct deposits through your employer or payroll provider, provide them with your Chime routing number and Spending Account number. Chime takes care of the rest.
Your funds will automatically post to your Chime Spending Account as soon as we receive them.

To get started, you can find your bank routing number and Spending Account number in the Chime app sections, Move Money and Settings, or by logging in to your account online.  


How do I make bank transfers to my Chime Spending Account?

External banks allow transfers to Chime from their websites and apps.

To get started:

  1. Log in to your old bank's website or app.
  2. Look for the Transfer menu option.
  3. In the transfer screen, you can add your Chime routing and account number, found in the Chime app on the Settings page.





How do I make a bank transfer that Chime initiates? 

You can link an external bank account you own to your Chime Spending Account using the Chime app through the Move Money section, or by logging in to your account online.

In the Chime app:

  1. Under Move Money, select Transfers.
  2. When you are prompted, enter your other bank’s login credentials.
    Your external bank account will be instantly linked to your Chime Spending Account. 

The list of supported banks includes Bank of America, Capital One, Chase, Citi, PNC, Regions Bank, TD Bank, U.S. Bank, USAA, Wells Fargo, and many others. When you're ready to link an external bank account in the app, you'll be able to search for your bank to see if it's supported. 

Once the external account is linked, you can make unlimited transfers from the external account to your Spending Account. Transferred funds will be available within five (5) business days.

If you get an error when using the Chime app to transfer money from a linked external account into your Chime Spending Account, try logging into the external account and transferring the money from there. To do this, you may need your account number and routing number, which you can find in the Chime app under Settings.


How can I deposit cash to my Chime Spending Account? 

(Please note: By clicking on some of the links below, you will leave the Chime website and be directed to an external website. The privacy policies of the external website may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing any personal information.)

You can deposit cash in your Chime Spending Account at over 90,000 retail locations (like Walmart, Walgreens, and 7-Eleven) with our cash deposit partners. To find a cash deposit partner near you, go to the app, tap Move Money, select Deposit cash, and tap See locations near me.

At the retail location, ask the cashier to make a deposit to your Chime Spending Account. You can make up to 3 deposits every 24 hours. You can add up to $1,000.00 every 24 hours for a maximum of $10,000.00 every month.

Third-party money transfer services that are used to add funds to your Chime Spending Account may impose their own fees or limits such as:

  • Fees per transaction 
  • Daily, weekly, or monthly limits on the frequency or the amount of cash you may add to the Chime Spending Account


Can I make wire transfers to my Chime Spending Account? 

Chime does not currently allow wire transfers. We will be adding this feature in the future. 


How do I enroll in Mobile Check Deposit?

Chime will determine if you are eligible for Mobile Check Deposit based on the history of any Chime-branded accounts you have, direct deposit history, direct deposit amounts, and other risk-based factors. For example, Chime offers Mobile Check Deposit to members who have received at least one direct deposit of $1 or more since June 1, 2021* from one of the following sources:

  • Employer or payroll provider
  • Gig economy payer via automated clearing house (ACH) transfer or Original Credit Transaction (OCT)
  • Government benefits

Thirty days after you receive your payroll direct deposit, Mobile Check Deposit will be automatically enabled in your Chime app. You may receive access to the feature based on other risk-based factors.

*If you already had access to Mobile Check Deposit before June 1, 2021, you can still use the feature even if you haven’t had a qualifying direct deposit since that date.




When you deposit cash to your Chime Spending Account, it is transferred by a third party to your account. Your funds will be FDIC insured once the bank holding your account receives the funds from the third party.


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