How does Mobile Check Deposit work?

We determine whether you can use Mobile Check Deposit based on the history of any Chime-branded accounts you have, your direct deposit history and amounts, and other risk-based factors. For example, you can use Mobile Check Deposit if you've received a direct deposit of at least $1 from: 

      • An employer or payroll provider
      • A gig economy payer
      • Government benefits (including Child Tax Credit payments)

You must receive employer and payroll provider and government benefit deposits as automated clearing house (ACH) transfers. Gig economy payments can be received either as ACH transfers or Original Credit Transactions (OCT).

We'll automatically enable Mobile Check Deposit in your app one business day after you receive your qualifying deposit. Other risk-based factors may also grant you access.

Note: Tax refunds don’t count as qualifying direct deposits.

How do I know if my check can be deposited?

Mobile Check Deposit works for any check that:

      • Is payable only to you in U.S. dollars
      • Is free of alterations, illegible items, or signs of fraud
      • Has not been previously deposited at another institution
      • Is from a financial institution located within the U.S.
      • Is dated within the last 6 months
      • Is not a digital reproduction
      • Was not created remotely (meaning, a check created by a merchant with a buyer’s checking account number on it, but without the buyer’s original signature)

Mobile Check Deposit is not available for:

      • Money orders
      • Travelers cheques
      • Savings bonds
      • Non-negotiable instruments, such as promissory notes
      • Starter checks or counter checks

How do I deposit a check?

If you’re eligible for Mobile Check Deposit, you can deposit your check using the Chime mobile app by following these steps:

      1. On the home screen, tap Move Money
      2. Tap Mobile check deposit
      3. Choose the type of check you want to deposit and follow the steps

How do I know if my check is a U.S. Treasury check?

U.S. Treasury checks say United States Treasury in bold letters, and feature an image of the Statue of Liberty on the left side. They’re used for things like tax refunds and government benefits. When depositing a U.S. Treasury check, be sure to write "For deposit at Chime only" on one of the endorsement lines on the back.

Note: If your check is from a state government, you should choose Other as the check type.

Photographing your check

Here are some tips for taking a photo of your check:

      • Place the check on a clean, dark surface, without any other items visible
      • Use good lighting
      • Make sure all 4 corners of the check are visible in the photo
      • Make sure your camera is properly focused
      • Smooth out any wrinkles or creases in the check

Note: Checks with textured or patterned backgrounds may fail to deposit.

What if my check gets rejected?

Checks may be rejected for a number of reasons. We will send you a push notification and an email with more information if this happens, and you may be able to resubmit your check. For more information, please read the Prohibited Checks section of your Deposit Account Agreement.

Important to know

      • Joint checks must be endorsed by both payees.
      • You should always endorse your checks in ink.
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