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, such as card activation status.
For treasury checks, you need to receive 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
- Tap Move to go to the Move Money section of the Chime App.
- Tap Deposit a Check.
- Choose the type of check you want to deposit.
- Take a photo of your check in the Chime app and follow the prompts
Tips for good check photos
Place the check on a clean, dark surface without any other items visible.
Use good lighting.
Make sure all four corners of the check are visible in both photos.
Make sure your camera is properly focused.
Smooth out any wrinkles or creases in the check.
Additional tips for depositing checks
Checks with textured or patterned backgrounds may fail to deposit.
Both payees must endorse joint checks.
Always endorse your checks in ink.
You can only deposit a check if it's made out to you, meaning your name is on the "Pay to the order of" line.
Chime can’t accept checks that you issue to yourself. If you want to move money from another account to your Chime account, you can make a transfer instead.
Chime may ask for Restrictive Endorsements (writing “For mobile deposit to Chime account only”) on some checks. If this happens, follow the instructions provided in the app.
Call us at (844) 244-6363 if you’re having trouble accessing or using Mobile Check Deposit.