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Here at Chime, we’re all about helping you bank smarter. While Chime is not a bank, we offer convenient services like direct deposit with the help of our banking partners. We’ve got your back, whether it’s helping you get your paycheck up to two days early with direct deposit¹, avoiding monthly fees, or providing fee-free overdraft coverage with SpotMe®.²
The holidays can be a stressful time for many, from extra travel to gift shopping. Chime is here to help make things a little easier with tools to help you manage your money smartly all season long.
So, when can you expect to receive your direct deposit in your Chime account? You’ve come to the right place – read on for a breakdown of our holiday schedule and banking partner operating hours.
Federal and banking holidays 2025
Chime observes all federal and banking holidays. On these days, our banking partners cannot process deposits, which may delay the arrival of your direct deposit until the next business day.
Deposits made on the bank holiday may not be posted until two business days after the holiday.
Below is the Chime holiday schedule for this year:
| Date | Holiday |
|---|---|
| Thursday, December 25, 2025 | Christmas Day 2025 |
| Thursday, January 1, 2026 | New Year’s Day |
| Monday, January 19, 2026 | Birthday of Martin Luther King, Jr. (MLK Day) |
| Monday, February 16, 2026 | President’s Day |
| Monday, May 25, 2026 | Memorial Day |
| Friday, June 19, 2026 | Juneteenth National Independence Day |
| Friday, July 3, 2026 | Independence Day (Observed) |
| Monday, September 7, 2026 | Labor Day |
| Monday, October 12, 2026 | Indigenous Peoples’ Day (Also known as Columbus Day) |
| Wednesday, November 11, 2026 | Veterans Day |
| Thursday, November 26, 2026 | Thanksgiving Day |
| Friday, December 25, 2026 | Christmas Day 2026 |
| Friday, January 1, 2027 | New Year’s Day 2027 |
Chime’s hours of operations
Good news! Chime is available anytime, anywhere, online or right at your fingertips with the Chime mobile app. We’re The Most Loved Banking App®; you’ll never have to worry about scheduling time to deposit a check.
If you ever need a human to help you with specific questions, Chime customer support is available 24 hours a day, seven days a week.
Chime observes all federal and bank holidays. Our banking partners are closed on federal holidays, which may affect the timing of your direct deposit.
How does direct deposit work?
Remember back in the day when your employer would give you a paper check? Now, you can skip a trip to the bank to cash in your paycheck. Direct deposit is a fully automatic transaction that electronically deposits money into your checking account without waiting for a check. Super convenient, right?
You can set up your Chime® Checking Account to receive direct deposit straight from your employer. When you receive direct deposit to your Chime Checking Account, you can access your funds up to two days early.¹ That’s two more days to help your money go further, whether that’s paying off your monthly utility bill or booking tickets for your next trip while prices are low.
Chime typically post your funds as soon as we receive them from your employer. The timing of when your direct deposit gets processed depends on when your employer processes their payroll or your benefits provider submits a check. Deposits are posted Monday through Friday.
Chime will never hold your money, so if you are experiencing delays, it’s best to check back with your employer to confirm what time and date they sent the paycheck. Once your money is posted to your Chime account, you’ll receive a push notification and email letting you know, ka-ching! You got paid!
Government benefit deposits (SSI, SSA, VA, etc.)
If you receive government benefits, you may get your payment early when your scheduled payment date falls on a weekend or federal holiday.
For the most accurate benefit payment timing, visit our Help Center article on government benefits.
How holidays affect your Chime deposit timing
During federal or bank holidays, our banking partners are closed, which can delay your direct deposit. If your payday falls on one of these holidays, your deposit will usually arrive the next business day.
Some employers or benefits providers may process payments early before a holiday. In that case, you could receive your money sooner than expected!
If you don’t see your deposit yet, don’t worry — once it’s sent to us, we’ll post it immediately and notify you in the app.
Note: Chime agents can only see deposits once they’ve successfully posted to your account.
Does Chime deposit on weekends?
Chime posts direct deposit payments to your checking account Monday through Friday. Our banking partners do not process payments on weekends or banking holidays.
If you’re expecting your direct deposit to arrive on the weekend, your money will appear in your Chime account the following Monday or the next business day (if it’s a holiday).
Direct deposits and payroll
Your employer or benefits provider ultimately controls when we receive your payment. Some send payroll early during holiday periods, but many follow their regular schedule.
Check with your payroll provider or employer to learn their plans for managing paydays that conflict with holidays.
As soon as your deposit is received by our banking partners, we’ll make it available in your Chime account — we never hold your money.
Your direct deposit is coming
Don’t stress if you don’t see your paycheck on the holiday – our banking partners are taking a well-earned break. Plan ahead with Chime’s holiday schedule in mind to know when your direct deposit will hit.
Using the Chime app, you can manage your money with a few screen taps to put more time back into your day. Ready to get paid? Set up direct deposit through Chime to access your hard-earned cash from your phone.
FAQs
How do I set up Chime direct deposit?
Setting up direct deposit is a breeze through the Chime app! It’s totally free and simple to do. Have your routing and account numbers handy. Then, you can either set up your direct deposit through the app or via your employer portal. Once your direct deposit is set up and approved by your employer, you can expect to receive your first Chime deposit within your next two payment cycles.
Receiving your first qualifying direct deposit payment in your Checking Account helps unlock helpful features like SpotMe®². Even before your set up direct deposit, you can apply for the Chime Credit Builder Secured Visa® Credit Card designed to help you build credit over time.³
What time does direct deposit hit Chime?
Direct deposits post Monday to Friday throughout the day. As a general rule of thumb, direct deposits with Chime will be in your Chime account by 9:00 a.m. EST on your typical payday. However, this is the latest you will get your direct deposit with Chime, and often it will come at an earlier time.
Set up recurring payments like rent or credit card bills without worrying about deadlines. When banking through Chime, we make it our priority to get your hard-earned money to you without delay.
How do I unlock Chime features like SpotMe®?
When you set up direct deposits and receive at least one qualifying direct deposit payment of $200 to your Chime Checking Account, you’ll be able to unlock our SpotMe feature!
SpotMe lets you overdraft up to $200 on debit card purchases with no fees.² Chime members who receive a single $200 or more in monthly qualifying direct deposits are eligible to use SpotMe. You will need to activate your Chime Visa® Debit Card to unlock access to the SpotMe benefit.