How to Move Money into Chime^®

If you set up direct deposit with Chime, you can start unlocking more exciting features in the app. You can start the process in the Chime app by going to Move Money, then Set up direct deposit.

You can set up direct deposit in a few ways:

• Via the Chime app. Look for your employer or payroll provider right in the Chime app. Search among more than 30,000 employers, payroll providers, and unemployment agencies at the bottom of Set up direct deposit. Just tap Find employer to see if yours is supported.
• Through your employer or benefits portal. Log in directly to your payroll provider or government portal to update your payment method. Enter your Chime account information into the portal and choose the amount of your paycheck you’d like to deposit. Confirm the change with your Human Resources department, payroll provider, or manager.
• With a completed form. Navigate 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, along with a voided check should your employer require it. On the form, you can specify whether you want your entire paycheck deposited into your account or a specific amount or percentage. Email this form to your manager or HR department, and you should be all set.

If you’d like a little more guidance, this article dives deeper into the details of setting up direct deposit with Chime.

Not only is direct deposit a simple and hassle-free way to get paid, but when you do it with Chime, you’ll be eligible for key Chime features like:

• Get paid early: Gain access to your paycheck up to two days early.³
• SpotMe®: Overdraft up to $200 on purchases and cash withdrawals.⁴
• Automatic savings: Automatically save a portion of each paycheck.⁵

Chime members are eligible for a number of other features, whether or not you direct deposit.

• Chime Card™: Increase your credit score by up to 70 points⁶ with everyday purchases and on-time payments.
• Round Ups: Round up your purchases and deposit the change in your savings account^7.
• Mobile check deposit: Easily deposit checks via the Chime mobile app.⁸

Not eligible or interested in setting up direct deposit with Chime? No problem. Here are some other ways to add money to your Chime account.

1. Make an instant transfer

Link an external debit card to your Chime account, then use the Move Money menu to start an instant transfer.

Transfers from a linked debit card usually arrive in your Chime Checking Account within minutes, though they may be delayed due to network timing or other factors.

2. Transfer from another account in the Chime app

Here’s how to transfer money from another financial institution:

1. Log in to the Chime app and tap Transfers under Move Money.
2. Enter the username and password for your other bank (don’t worry; your personal info is encrypted!).
3. Transfer your money. You’ll have access to the funds within three business days.

3. Transfer from another account’s app or website

You can also move money from your previous bank through its app or website. Here’s how:

1. Log in to your previous financial institution’s website or app.
2. Look for a menu item that says something like “transfer funds” or “add external account.”
3. When prompted, add your Chime Checking Account number and bank routing number (which you’ll find under Profile → Account details in the Chime app).
4. While the transfer time will depend on your old bank’s policies, you’ll usually see the money in your Chime Checking Account within a few business days.

4. Deposit cash

We make it easy to add cash to your account at Walgreens and Duane Reade locations for no fee.² You can also deposit money through our cash deposit partners at over 100,000 retail locations with our cash deposit partners.

Cash deposits typically post to your Chime Checking Account within about two hours of the transaction once the retailer accepts your cash, and cash deposit fees may apply when you use retailers other than Walgreens and Duane Reade.

Here’s how to deposit cash:

• Log in to the Chime app, tap Move, and then select Deposit cash.
• Tap See locations near me to find the nearest walk-in retail location.
• Hand the cashier your cash and have them scan the barcode on the Deposit cash screen. You can also have them swipe your Chime Visa^® Debit Card or Chime Card. Some retailers may set their own deposit limits, so check with the cashier on the maximum amount you can deposit per transaction.

Wondering about wire transfers? Chime does not support incoming or outgoing wire transfers, including both domestic and international wires. If you need to move money between accounts, you can use ACH transfers, instant debit-card transfers, or cash deposits instead.

However you choose to move money into your Chime account, we’re just happy to have you join the community! And no matter where you’re at in your money journey, we’re here to help you unlock your financial progress.

Ready to put your savings to work? Find out how to grow your money faster.