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. 😎
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 chime.com. 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.
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:
- Log directly into your payroll provider portal (like ADP, for example) to update your payment method.
- Enter your account information into the portal.
- Choose the amount of your paycheck you’d like to deposit and save your changes.
- 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.
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.² All Chime members with $200 or more in qualifying direct deposits over the last month are eligible for SpotMe.
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
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 chime.com, 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