How long will it take for my money to post to my Chime Spending Account?

This depends on how the money was sent to us:

Direct Deposit:
With the early direct deposit feature, your direct deposit will be posted to your Chime Spending Account as soon as it is received from your employer or payer. If you have questions about the timing of your direct deposit please contact your employer.

Bank Transfer Initiated Through the Chime Mobile App or Website:
Up to 5 (five) business days from the date the transfer was initiated (Monday-Friday) excluding federal holidays.

Bank Transfers from an External Account:
These deposits are typically received within 3 (three) business days from the date the transfer was initiated by the originating bank. Once the funds are applied to your Spending Account, they will have same day availability. Refer to the originating bank for more information on their transfer time frames.

 
Debit Card:
Within minutes of a successful transaction.
 
Cash deposit at a retail location:
Within 2 (two) hours of a successful transaction.

Here are some of the many retailers that accept cash deposit:
  • Walmart
  • 7-Eleven
  • Walgreens 
  • Duane Reade
  • Speedway
  • Dollar General
  • Family Dollar
  • CVS
  • Rite Aid
  • Pilot Travel Centers (Pilot Flying J)
  • Holiday Station Stores
  • Circle K Stores
  • GPM Investments
  • Sheetz Incorp
  • TA Operating LLC (Travel Centers of America)
  • Royal Farms
  • Cumberland Farms Corp
  • Kwik Trip Inc
  • Krause Gentle (Kum & Go)

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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