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Chime’s Holiday Schedule

In this article

  1. Chime's holiday schedule
  2. Federal and banking holidays 2023
  3. Chime’s hours of operations
  4. How does direct deposit work?
  5. Does Chime deposit on weekends?
  6. FAQs
  7. Final thoughts

Want to know when to expect your direct deposit? Here's a quick overview of Chime’s bank holiday schedule and hours.

Chime Team • December 21, 2022

Chime's holiday schedule

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 always got your back, whether it’s helping you get your paycheck up to two days early¹ with direct deposit, removing monthly fees, or fee-free overdrafts²

You’re probably wondering: when can you access all of Chime’s awesome services? You’ve come to the right place – read on for a breakdown of our bank holiday schedule and banking partner operating hours.

Federal and banking holidays 2023

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 post until two business days after the holiday.

Below is the Chime holiday schedule for 2023:

Monday, January 2 (observed)New Year’s Day 2023
Monday, January 16Birthday of Martin Luther King, Jr. (MLK Day)
Monday, February 20Washington’s Birthday (President’s Day)
Monday, May 29Memorial Day
Monday, June 19thJuneteenth National Independence Day
Tuesday, July 4Independence Day
Monday, September 4Labor Day
Monday, October 9Indigenous Peoples’ Day
Saturday, November 11Veterans Day
Thursday, November 23Thanksgiving Day
Monday, December 25Christmas Day
Monday, January 1New Year’s Day 2024

Chime’s hours of operations

Good news! Chime is available anytime, anywhere, online or right at your fingertips with the Chime mobile app. As an online-only alternative for banking, there are no physical limitations! 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 early¹. That’s two more days to help your money go further, whether that’s paying off your monthly utility bill or splurging on a trip to Cancun.

Chime will always 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!

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). 


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® and the Chime Credit Builder Secured Visa® Credit Card designed to help you build credit over time3

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 fees². All 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.

Final thoughts

Don’t stress if you don’t see your paycheck on Thanksgiving – 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 your Chime account to access your hard-earned cash from your phone.

Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card and the Chime Visa® Cash Rewards Card are issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to an external website. The privacy policies of the external website may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing any personal.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

1 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

2 SpotMe® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Credit Builder Account. SpotMe on Debit is an optional, no fee overdraft service attached to the Chime Checking Account available to qualifying members after Visa debit card activation. Both SpotMe on Credit and SpotMe on Debit are sometimes collectively referred to as "SpotMe" or, if you have signed up to use SpotMe with only one account, "SpotMe" means the elected service. To qualify for SpotMe, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month.

Qualifying members will be allowed to overdraw their Chime Checking Account and/or Secured Deposit Account (associated with your Chime Credit Builder credit card) up to $20, but may be later eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe Debit Terms and Conditions and SpotMe on Credit Terms and Conditions.

3 On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

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