Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

How to Set Up Direct Deposit With Chime

Chime Team • March 27, 2025

The logo for Chime+, the newest way to direct deposit with Chime.

At Chime, we’re all about bringing you financial peace of mind. Whether it’s getting some of your paycheck earlier,¹ getting spotted when you overdraft,2 or earning more interest on your savings, Chime has your back. And the first step to unlocking these awesome features is setting up direct deposit.

If you haven’t set up direct deposit yet, you’re in the right place. Below, we’ll walk you through how to set up direct deposit with Chime – and show you all the exclusive benefits you’ll unlock when you do! 😎

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The benefits of direct deposit with Chime

Setting up direct deposit with Chime is convenient. You’ll receive your paycheck directly into your Chime account so you can easily pay your bills and grow your savings.

But setting up a qualifying direct deposit of $200 or more also means you’ll be automatically upgraded to Chime+*, which gives you access to exclusive benefits like higher earnings on your savings.

Here are all the additional benefits you’ll get when you set up direct deposit and unlock Chime+:

MyPay®

With MyPay, your payday comes when you decide. As a Chime+ member with a qualifying direct deposit, you can access up to $500 of your next paycheck before payday.¹

The money arrives in your checking account within 24 hours, and it’s totally free. (For a $2 fee, you can get an instant advance.)

SpotMe®

Need to fill up the tank or buy groceries for the week, but don’t have enough cash in your account? Not a problem with SpotMe.

Our SpotMe feature lets you overdraft up to $200 on debit card purchases with no overdraft fees.² That’s a big deal – you’ll pay an average of $27 for this service at traditional banks.³

Getting SpotMe is easy: All Chime+ members with $200 or more in qualifying direct deposits over the last month are eligible for this exclusive benefit.

High-Yield Savings

Every Chime member gets a 2.00% APY⁴ on their savings to grow their money faster. But when you set up direct deposit of $200 or more and unlock Chime+, you’ll earn even more interest.

All Chime+ members get 3.75% APY4 on their high-yield savings account.⁵ You can even boost your earnings with Chime’s Automatic Savings features. When they are turned on, you can:

  • Route a portion of each paycheck directly into your savings to start to earn interest.⁶
  • Round up purchases to the next dollar and stash that money into your savings account.

Plus, you can save toward specific goals – like a down payment on a house, a wedding, or an emergency fund – with Chime’s new Savings Goals feature. Tracking your savings goals in the app is super simple, and it’s available to all Chime members.

Chime Deals®

Every Chime member gets access to a number of great personalized deals for businesses near them.

But when you set up a direct deposit of $200+ and become a Chime+ member, you’ll automatically get access to exclusive cashback deals at top retailers nationwide. Earn cash back when you use your Chime Visa® Debit Card for everyday purchases on groceries, gas, dining, and more.⁸

Just browse the Chime app for the deals you want. See something you like? Click to activate the deal, use your Chime card as normal, and watch the cash back roll right into your checking account!

Priority support

At Chime, we take customer service seriously – and we strive to answer your questions as quickly and helpfully as possible. All chime members can talk to a real human 24/7 when you need help.

Once you set up your qualifying $200+ direct deposit, Chime plus members will have faster access to support to help resolve issues or answer questions about their account.

Visit our help center for frequently asked questions, or chat us in the app.

Get Paid Early⁹

Get your paycheck up to two days earlier⁹ with direct deposit! At Chime, we make your money available as soon your employer sends it – which is often up to two days before some traditional banks make the funds available to you.

Wondering how it works? Here’s how Chime gets you paid early.

How to set up Chime direct deposit - 3 options

To set up direct deposit, you’ll need your routing number and account number handy. You can find this info in the Chime app under Move Money and then Set up direct deposit.

On this screen, you’ll see your account number and routing number. While you can set up direct deposit with your employer by copying your account and routing number and providing it to your employer, it may be easier to hand in a completed direct deposit authorization form or even find your employer in the Chime app.

Here are your 3 options for setting up direct deposit.

Have Chime do it for you

If your employer or payroll provider is supported, you can also find them in the Chime app. At the bottom of Set up direct deposit, you’ll see that you can search among more than 20,000 employers, payroll providers, and unemployment agencies directly in the app. Just tap Find employer to begin your search.

Use our employer portal

Chime makes it easy to set up direct deposit in the app, but you can also grab your account and routing numbers and sign up through your employer or payroll provider instead. Here’s how:

  1. Log directly into your payroll provider portal (like ADP, for example) to update your payment method.
  2. Enter your account information into the portal.
  3. Choose the amount of your paycheck you’d like to deposit and save your changes.
  4. Confirm with your Human Resources department, payroll provider, or manager that everything was set up correctly.

☝️ Note: You can follow the same steps if you’re depositing unemployment benefits. Just make sure you’re using your state’s government portal instead of your payroll provider.

Do it yourself

To set up direct deposit via form, open your Chime app and go to Move money, then Set up direct deposit.

Tap Get completed form, and we’ll email you a completed direct deposit form as a PDF. On the form, you can designate whether you want your entire paycheck direct deposited into your account or if you want a specific amount or percentage deposited instead.

Just email this form to your manager or HR department, and they’ll take it from there.

Prefer to work on a computer? You can print or download the same form on chime.com. Just log in and click Move Money to access the form.

Set up direct deposit for better online banking

Chime direct deposit is a simple way to get your paycheck, but it offers more than just convenience on payday.

With a direct deposit of $200 or more, you’ll automatically get upgraded to Chime+, which means you’ll get benefits like access to your paycheck ahead of payday¹, fee-free overdraft², and 3.75% APY on your savings.⁴

Sign up for Chime and enroll in direct deposit to unlock features like MyPay, SpotMe, and that sweet APY on savings.

FAQs

What bank does Chime use for direct deposit?

Chime offers banking services, like a checking account and high-yield savings account, through our banking partners. Chime partners with two FDIC-insured banks: The Bancorp Bank, N.A., and Stride Bank, N.A.

Chime itself is not a bank, but our available banking services make budgeting and saving toward your goals simple and convenient. We have the most-loved banking app®, and with direct deposit, you can enjoy perks like early access to your paycheck⁹, fee-free overdraft², and a high APY on your savings.

How do I get a Chime direct deposit form?

You can get a Chime direct deposit form in two ways:

  • In the app: Just tap Move Money, then Set up direct deposit. On this screen, you’ll see your account number and routing number, but you’ll also see a Get completed form option. Tap this, and Chime will email you a completed direct deposit form (PDF) to give to your employer or direct deposit provider.
  • Online: Head to chime.com, log in, and click Move Money. You’ll see an option to Print or Download a completed direct deposit form.

At what time does Chime direct deposit hit?

Chime processes your direct deposits as soon as we receive them from your payroll provider. That means you can get your paycheck up to two days ahead of your scheduled payday, if we receive the funds early enough. At the latest, you should have your paycheck on your scheduled payday, as long as Chime receives the direct deposit in time from your employer.

However, like traditional banks, Chime only processes direct deposits Monday through Friday. Chime also observes all federal and banking holidays; on these dates, Chime and our banking partners do not process direct deposits. See a full list of federal and banking holidays for this year.

Note: Although Chime’s partner banks observe weekends and holidays, we do offer around-the-clock customer service. Our live customer service agents are available to help 24/7, year-round.

How does Chime get your paycheck early?

When you set up Chime early direct deposit for your checking account, you can get your paycheck up to two days ahead of schedule.⁹ But how does Chime pay you early? While many banks keep your direct deposit funds to ensure they’ve cleared, Chime never holds deposits. That means your paycheck will be available as soon as we receive it.

Chime+ members can also access a portion of their paycheck well before payday. The feature is called MyPay¹: You can get up to $500 of your next paycheck at any point, for no fee. (Instant transfers cost $2.)

How many days does Chime direct deposit take?

Chime direct deposit can hit your bank account up to two days ahead of your scheduled payday.1 Once Chime receives the direct deposit from your payroll provider, we release the funds to your account.

Remember that direct deposits make multiple digital stops between your payroll provider and your checking account. If your direct deposit is delayed along the way, it may take longer to reach your account – but Chime will have it to you as soon as we get it!

Can you see pending direct deposits on Chime?

Direct deposits do not appear as pending in your Chime account. That’s because Chime, unlike some banks, processes your direct deposit as soon as we receive it. This means you can get your paycheck up to two days sooner than you would at some traditional banks.⁹

How do I know if my Chime direct deposit is set up?

Once you have shared your account information or a direct deposit form with your employer or payroll provider, they’ll coordinate direct deposits with Chime. The change should generally take effect within your next two payment cycles.

You’ll know your direct deposit is working when you see that first paycheck reach your Chime account. And if the direct deposit is $200 or more, you’ll also be upgraded to Chime+ – and get a notification in the app.

What is Chime+?

Chime+ unlocks exclusive benefits for any member that sets up direct deposit, for free. You just need to set up a qualifying direct deposit of $200 or more into your Chime Checking Account, and we’ll automatically upgrade you to Chime+. Members who upgrade to Chime+ unlock access MyPay®, higher savings rates, early paycheck access,⁹ fee-free overdrafts,² priority support, and personalized cashback deals⁸ based on where you spend the most.

What do I get with Chime+?

When you set up a qualifying direct deposit with Chime and receive a payment of $200 or more, you’ll automatically be upgraded to Chime+. That means you unlock a wide range of benefits, including:

  • MyPay: Get up to $500 of your paycheck before payday.¹
  • SpotMe: Fee-free overdraft up to $200.²
  • High-Yield Savings: Earn 3.75% APY⁴ on all your savings.
  • Chime Deals: Unlock additional cashback deals at your favorite stores and restaurants.⁸
  • Priority Support: Skip the line when you need help from a Chime customer service agent.
  • Get Paid Early: Access your full paycheck up to two days early.⁹
#1 most-loved banking app™~
  • Over 1,000,000+ five-star reviews on Google Play & Apple Store
  • Send and receive money fee-free
  • Deposit checks from anywhere
Get Started