To set up direct deposit, you need to update your employer, payroll provider, gig platform, or benefits payer. You can set up direct deposit directly within the app by searching for your pay source; alternatively you can provide your pay source with your Chime Account's routing and account numbers. Visit How do I find my Chime account number and routing number? for more information. Your employer or benefits provider may ask you to enter this information in a payroll portal or on a direct deposit form.
To avoid problems with your direct deposit, such as delays or rejections, make sure the name on your deposit matches the name on your Chime account.
You can choose to automatically split your direct deposit either by percentage or a specific dollar amount and divide that across your Chime Checking Account, Credit Builder, and Savings Account, including any of your Savings Goals. Once set up, Chime handles it for you automatically and will move money based on your settings. This feature works after your direct deposit arrives in your Chime Checking account.
To learn more, visit How does splitting my direct deposit work?
Chime does not set a limit to how much you can receive through direct deposit, but certain large deposits may be subject to review.
Benefits of Direct Depositing at Chime
Get paid up to 2 days early with direct deposit. Early access to direct deposit money depends on the timing of the submission of the payment file from the payer. We generally make money available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Your benefits grow automatically based on whether you receive qualifying direct deposits and how much you deposit each month:
- When you receive a single qualifying direct deposit of $200+ or $400+ in cumulative qualifying direct deposits in the last 34 days, you’ll automatically be upgraded to Chime Plus, which includes benefits like a higher savings APY*, priority support and much more. For more information on eligibility and benefits, refer to What is Chime Plus?
- With at least $3,000 in total qualifying direct deposits in the last 34 days, you’ll automatically unlock Chime Prime, where you’ll get the best APY* on savings, priority support, exclusive travel perks, and much more. For more information on eligibility and benefits, refer to What is Chime Prime?
*The 3.75% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 0.75% APY will apply. The APYs are effective as of 01/27/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details.