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 • November 21, 2022

Setting up Chime direct deposit is easy! You can do it in the app or hand in a form to your payroll provider. Use our step-by-step guide to get started.

At Chime, we’re all about bringing you financial peace of mind. Whether it’s getting your paycheck earlier,¹ getting support when you overdraft, or working on your credit history, 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. We’ve outlined three ways to deposit your paycheck straight into your Chime account. 😎

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How to set up Chime direct deposit

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, it may be easier to hand in a completed direct deposit authorization form or even find your employer in the Chime app.

Direct deposit form

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 Just log in and click Move Money to access the form.

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 30,000 employers, payroll providers, and unemployment agencies directly in the app. Just tap Find employer to begin your search.

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.

🚩  Direct deposit capability is subject to payers' support of this feature.

The benefits of direct deposit with Chime

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. 

On top of that, you’ll unlock all kinds of new features as a Chime member. Here are a few:

Get paid early¹

Get your paycheck up to two days earlier¹ with direct deposit. This is a feature we offer by making 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.


Our SpotMe feature lets you overdraft up to $200 on debit card purchases with no fees All Chime members with $200 or more in qualifying direct deposits over the last month are eligible for SpotMe.

Credit Builder

Eligible Chime members3 can get the Chime Credit Builder Secured Visa® Credit Card. This secured credit card can help you build credit over time by offering automatic payments and reporting your progress to the major bureaus every month.4  There’s no credit check to apply, plus it has no fees, no interest, and no minimum security deposit.5

New to fee-free overdrafting? Here’s how to use SpotMe like a pro.


What bank does Chime use for direct deposit?

Chime itself is not a bank but 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.

While these banks provide banking services and FDIC insurance, Chime offers benefits like the most-loved banking app,6 innovative features, and an enhanced customer experience.

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, 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 observes 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.1 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.

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.1

How does direct deposit work if I get paid on Friday?

In most cases, your paycheck will be available in your bank account by 9:00 a.m. on Friday if your payday is Friday.7 Your employer likely issues the direct deposit several days ahead of your payday to ensure it’s available on time.

Often, that means the paycheck reaches your bank a couple of days early. While many banks hold onto those funds until your actual payday, Chime puts them into your checking account as soon as we receive them.

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.

When does DoorDash direct deposit hit Chime?

DoorDash direct deposits follow the same path as other direct deposits to your Chime account. The DoorDash payment calendar ends on Sunday each week – that’s when DoorDash issues direct deposits.8

Chime will release your payment as soon as we receive it, usually early in the week.

Set up direct deposit for a better banking experience

Chime direct deposit is a simple way to get your paycheck, but it offers more than just convenience on payday. With Chime early direct deposit, you can get paid early,1 overdraft without any fees,2 and even build your credit.4

Sign up for Chime in 2 minutes and enroll in direct deposit to unlock features like SpotMe and early access to your paycheck.1

#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

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.

‡ SpotMe® for Credit Builder is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “SpotMe”). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.

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 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.

3 To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $200 or more to your Spending Account within the last 365 days of your application. The qualifying direct deposit must have been made by your employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Bank ACH transfers, Pay Friends transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, and cash loads or deposits are not qualifying direct deposits.
4 On-time payment history can 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.

5 Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

6 Chime received the highest 2021 Net Promoter Score among competitors in the industry according to Qualtrics®. Chime was the 2021 #1 most downloaded banking app in the US according to Apptopia®.

7 Information from NACHA’s “Payments Myth Busting” as of November 8, 2022:

8 Information from DoorDash as of November 8, 2022:

~ Chime is recommended by more of its users than that of any brand per 2023 Qualtrics® NPS score.

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