You can automatically divide your direct deposit between your Chime Checking Account, Credit Builder, and Savings Account, including any Savings Goals you’ve set up. This helps you stay on track with budgeting and saving without needing to manually move money.
There’s no minimum deposit amount required, and you can update your allocations at any time in the Chime app.
How does splitting my pay work?
Customizable splits: Choose what percentage or specific dollar amount of your direct deposit goes to each account—Credit Builder Account, Checking Account, or Savings Account, including your Saving Goals.
For members enrolled in Chime Card: If a member has allocated a percentage of their direct deposit to their Savings Account, the selected portion of their direct deposit will automatically move into their optional Savings account, and the remaining amount will show in their “Available” balance.
Set allocation order (dollar amounts only): You can choose the order in which your allocations are applied. This order determines how dollar amount allocations are processed when a direct deposit arrives. To customize the order, you can drag and reorder the accounts within the app. Allocations will be attempted in that exact order.
Automatic transfers: Your money is moved automatically based on the percentages or dollar amount you set.
Flexible updates: Adjust your settings any time in the Chime app. You’ll receive a standard in-app direct deposit notification when your allocations are processed.
To split your direct deposit,
Go to Profile.
Tap Account details > Split your pay.
Use the toggle to choose between allocating by percentage (%) or dollar amount ($).
Choose the percentage or specific dollar amount of your direct deposit to go into each account: Credit Builder, Checking, Savings Account, and Saving Goals. If you only have two accounts, you can only split funds between those accounts.
If you choose percentage (%):
Make sure the total allocation between Savings, Saving Goals, Credit Builder, and Checking accounts does not exceed 100%.If you choose dollar amount ($):
You can allocate any fixed dollar amount to each account. The system will try to fund each allocation in the order you've set. If your direct deposit isn’t large enough to cover one of the amounts, that allocation will be skipped entirely—no partial amounts will be sent. The system will then move to the next account in your list. Any remaining funds will go to the final account marked as your “remainder” account.
Tap Save.
Note: Members can stop allocations to an account at any time by setting the percentage or dollar amount to 0. This ensures your entire direct deposit stays in your Checking account.