How do I set up direct deposit?

Setting up direct deposit is the best way to get access to some of Chime’s most popular features. You can set up direct deposit in the following ways:

Using the Chime mobile app:

  1. Open the app and tap Move Money
  2. Tap “Move your direct deposit” on the top
  3. Tap Find employer (under “Have Chime do it for you”)
  4. Enter the name of your employer or payroll provider, gig economy payer, or government benefits provider
  5. Sign in and tap Continue to automatically set up your direct deposit

If you’re not able to find your employer or you’d rather hand-deliver or email your completed form:

  1. Open the app and tap Move Money
  2. Tap Move your direct deposit
  3. Select Get completed form to request an email copy of your Chime account number, routing number, and a voided check. You can use this form to set-up direct deposit through your employer, payer, or benefits provider. 

Note: This form doesn’t work for Child Tax Credit payments. To receive those benefits, you’ll need to update your bank account information in your ​​Child Tax Credit Update Portal.


  1. Click Move Money to see your Chime routing number and account number to give to your payroll or benefits provider.
  2. Optionally, click Print or Download to get a completed direct deposit form.

You can give the printed form to your provider or attach it in an email to send to them.

Note: If you need to provide the address of the bank to your payroll or benefits provider, give them the name and address of the Chime partner bank that holds your deposits. You can see which bank this is under Settings > Account Policies & Terms:

Stride Bank N.A.                                                 The Bancorp Bank  

324 W Broadway Ave                                        6100 S Old Village Pl

Enid, OK 73701                                                   Sioux Falls, SD 57108

How do I become a qualified direct depositor and unlock some additional Chime features?

When you set up direct deposits and receive at least one qualifying direct deposit payment of $200 or more every 34 days from an employer or payroll provider, GIG economy payer company, or government benefits provider, you can:

  1. Unlock your access to SpotMe®1
  2. Unlock your ability to send and receive SpotMe Boosts monthly

A qualifying direct deposit to your Chime Checking Account is a requirement for Chime Credit Builder Secured Visa® Credit Card eligibility.2

All direct deposits must be paid as Automated Clearing House (ACH) transfers or Original Credit Transactions (OCT).

Can I receive Supplemental Security Income (SSI) up to two days early?

Yes. As a friendly reminder, we never hold deposits. Instead, when Chime receives payment information from your benefits provider, the deposit is instantly posted to your Checking Account. We'll let you know as soon as your money is available with an email and a push notification to your phone.

If you don’t see your deposit, it means that the files are either in transit or haven’t been sent by your benefits provider. Contact your provider for more information. 


1 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See Terms and Conditions.

2 To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Friends transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

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Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

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