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

This depends on how we receive the money! Here's how it works.

Direct deposit:
With the early direct deposit feature, your direct deposit will be posted to your Chime Checking 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 Checking 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.

When you deposit cash to your Chime Checking 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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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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