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

Whether you’re new to Chime or haven’t had the chance to fully explore the app, you might be wondering: “How do I deposit money into Chime?” or “How do I transfer money into Chime?”

We’ve made the process as simple as possible. Here’s what you need to know!

Better banking for everyone

Fee-free overdraft up to $200
No monthly fees
Get paid up to 2 days early with direct deposit

How do I set up direct deposit?

If you set up direct deposit with Chime, you’ll start unlocking more exciting features in the app.

You can start the process in the Chime app under Move Money and then Set up direct deposit. You can set up direct deposit in a few ways:

  • Do it in the app. You can find your employer or payroll provider right in the Chime app if they are supported. 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 get started.
  • Sign up through your employer or benefits portal. Log directly into your payroll provider portal 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 with your Human Resources department, payroll provider, or manager that the change has been implemented.
  • Get 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 say whether you want your entire paycheck direct deposited into your account or a specific amount or percentage deposited. 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.

Benefits 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 early¹: Gain access to your paycheck up to two days early.
  • SpotMe®²: Overdraft up to $200 on purchases and cash withdrawals³ (as long as you’re receiving at least $200 per month in qualifying direct deposits).
  • The Secured Chime Credit Builder Visa® Credit Card: Increase your credit score by an average of 30 points⁴ with everyday purchases and on-time payments.
  • Save When I Get Paid⁵: Automatically save a portion of each paycheck, and watch your emergency fund grow!
  • Mobile check deposit⁶: Easily deposit checks via the Chime mobile app.

More ways to move money into Chime

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

1. Make an instant transfer

Link a debit card by adding a debit card number, and you’ll be able to move money into Chime – instantly. Head to Move Money in the app to get started.

Chime app steps to setup money instant transfer

2. Transfer from another account in the Chime app

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

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

3. Transfer from another account’s app or website

You can also move money from your previous bank from their app or website.

Here’s how:

  1. Log into 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 Settings Account info in the Chime app).

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 8,000+ Walgreens® locations for free.⁷ You can also deposit money through other retail partners in over 75,000 locations, which is more than you would have using any walk-in bank in the US. Keep in mind that retailers other than Walgreens might impose their own fees or transaction limits, so be sure to ask before you start your transaction.

Here’s how to deposit cash:

  • Log into the Chime app, tap Move Money, 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 Credit Builder card.  Some retailers may set their own deposit limits, so check with the cashier on the maximum amount you can deposit per transaction.

Chime app steps to deposit money

Wondering about wire transfers? While we don’t allow those yet, we hope to add them in the near future.

Welcome to Chime 💚

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.

Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are 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 and credit cards are accepted. Please see the 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 a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

Third-party trademarks referenced for informational purposes only; no endorsements implied.

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 Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

4 Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

5 Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your Savings Account.

6 Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member's direct deposit enrollment status.

7 Once the retailer accepts your cash, the funds will be transferred to your selected Chime Account. Barcode and debit card cash deposits land in the Checking Account. Credit Builder card cash deposits first go through your Card Account and then land in your Secured Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.

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