Key Takeaways
Set up direct deposit in minutes through the Chime app, your employer portal, or a simple form
Get paid up to 2 days early when your employer sends funds ahead of payday1
Unlock premium benefits automatically with qualifying direct deposits, including Chime Plus and Chime Prime2
Access up to $500 before payday with MyPay (eligibility required)3
Setting up direct deposit with Chime is convenient. You'll receive your pay directly into your Chime account so you can easily pay your bills and grow your savings.
By setting up and receiving qualifying direct deposits2, you'll be automatically upgraded to one of our premium Chime membership tiers, which give you access to benefits like higher earnings on your savings and premium travel perks.
The benefits of direct deposit with Chime
Here are all the additional benefits you'll get when you set up qualifying direct deposits2 and unlock these memberships:
Chime PlusTM
Chime members with qualifying direct deposits of at least $2002 can receive:
MyPay®: With MyPay, your payday comes when you decide. As a Chime Plus member with a qualifying direct deposit, you can access up to $500 before payday.3 Most members start between $20 and $100 and may become eligible for higher limits over time based on account activity. Get your MyPay advance within 24 hours, or instantly for 3% of the advance amount ($2 minimum, $5 maximum per advance).4
SpotMe®: Need to fill up the tank or buy groceries for the week, but don't have enough cash in your account? Not a problem with SpotMe. Our SpotMe feature allows you to overdraw up to $200 on debit card or credit card transactions and cash withdrawals without charging an overdraft fee.5 That's a big deal – you'll pay an average of $27 for this service at traditional banks.6
High-Yield Savings:7 Every Chime member gets a 0.75% APY8 on their Chime savings account to grow their money faster. But with Chime Plus, you'll earn even more interest. All Chime Plus members get 3.00% APY on their high-yield savings account. You can even boost your earnings with Chime's Automatic Savings features. When they are turned on, you can route a portion of each paycheck directly into your savings to start to earn interest9, and round up purchases to the next dollar and stash that money into your savings account.10 Plus, you can save toward specific goals – like a down payment on a house, a wedding, or an emergency fund – with Chime's new Savings Goals feature.
Chime Deals®: All Chime members can view and redeem Chime Deals.11 When you become a Chime Plus member, you'll get access to even more exclusive cashback deals at top retailers nationwide. Earn cash back when you use your Chime Visa® Debit Card for everyday purchases on groceries, gas, dining, and more. Just browse the Chime app for the deals you want. See something you like? Click to activate the deal, use your Chime card as normal, and watch the cash back roll right into your checking account!
Priority Support: At Chime, we take customer service seriously – and we strive to answer your questions as quickly and helpfully as possible. All Chime members can talk to a real human 24/7 when they need help. Once you set up your qualifying $200+ direct deposit, Chime Plus members will have expedited response times to answer questions about their account.
Get Paid Early: Get your pay up to two days earlier with direct deposit!1 At Chime, we make 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. Any Chime member with direct deposit can take advantage of Get Paid Early. Wondering how it works? Here's how Chime gets you paid early.
Chime PrimeTM
In addition to the perks of Chime Plus, Chime members with qualifying direct deposits of at least $3,0002 over the span of 34 days will receive:
Earn 3.75% APY7 on your Savings Account, which is 9x higher than the national average12
5% cash back13 on your chosen spending category, like gas, groceries, or restaurants with Chime Card.
Enjoy exclusive travel and lifestyle perks like a Complimentary Priority Pass™ membership14, luxury hotel benefits15, and access to the Visa Signature Concierge16. Travel‑related perks require both Chime Prime status and use of your Chime Card™.
24/7 live support with a real person, fraud alerts, and Visa's Zero Liability Policy17 means you're not responsible for unauthorized charges. These perks require Chime Prime status and use of your Chime Card™.
How to set up Chime direct deposit - 3 options
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 and providing it to your employer, it may be easier to hand in a completed direct deposit authorization form or even find your employer in the Chime app.
Here are your 3 options for setting up direct deposit.
Option 1: 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 20,000 employers, payroll providers, and unemployment agencies directly in the app. Just tap Find employer to begin your search.
Option 2: Use our 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:
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.
Option 3: Do it yourself
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.
Set up and receive direct deposit for better online banking
Direct Deposit at Chime is a simple way to get your paycheck, but it offers more than just convenience on payday.
With a qualifying direct deposit, you'll be automatically upgraded to Chime Plus or Chime Prime, which means you'll get benefits like access to your paycheck ahead of payday1, fee-free overdraft5, and up to 3.75% APY7 on your savings.
Sign up for Chime and receive qualifying direct deposits2 to unlock features like MyPay, SpotMe, and higher APY on savings.