Whether it’s to pay bills, grow your savings, or treat yourself to something nice, your paycheck represents your hard-earned cash – and it often comes just in time.
The only thing better than payday? Getting paid up to two days early.1 With Chime’s Get Paid Early, you can receive your paycheck up to two days in advance.
So, how does Get Paid Early feature work? Here’s everything you need to know to get paid early¹ with Chime.
How to set up Get Paid Early with Chime
Getting paid early¹ is easy once you’ve set up your Chime® Checking Account for direct deposit. Here’s how:
1. Open a Chime Checking Account
First, you’ll need to open a Chime Checking Account. Don’t worry: It takes less than 2 minutes!
Already have a Chime Checking Account? Just launch the Chime mobile app and skip to the next step.
2. Choose a direct deposit option
To use Chime’s Get Paid Early feature, you’ll need to set up direct deposit. We offer a few easy ways to enroll:
In the Chime app, tap Move Money and then Set up direct deposit. Here, you can:
- copy your routing and account numbers and share those directly with your employer or payroll provider to set up direct deposit.
- Tap Get completed form, and we’ll email you a completed direct deposit form to send to your employer.
- You can also set up Chime direct deposit using the Find employer functionality. If your employer or payroll provider is supported, you can set up direct deposit in a few taps – no forms needed.
Online: Signed in on your laptop? Head to www.chime.com, log in to your account, and click Move Money to find your account info to share with your employer.
How Chime gets you paid early
Getting your paycheck earlier makes managing your finances more convenient, but how does early direct deposit at Chime, also called Get Paid Early, actually work?
Chime immediately makes your paycheck funds available when we receive them from your employer or payroll provider.
Sometimes, it can take up to two days for the paycheck to fully process, which is why some financial institutions make you wait. At Chime, we know how important it is for you to have the money you worked hard for, so we pass your money along as soon as we get it.
It’s your money, after all. Why should you have to wait?
Chime early direct deposit timing
How early can you get your paycheck with Chime? We generally make paycheck funds available the day we receive them from your employer, which can be up to two days before your scheduled payment date.
Weekends and holidays
Like most financial institutions, our bank partners only process payments during the week (Monday through Friday). Chime also observes all federal and bank holidays. Here’s our full holiday schedule.
If you were expecting to get your paycheck early but haven’t seen it posted, check the calendar to see if a holiday might have delayed the payment.
Need help from a human? Even though Chime’s bank partners follow the standard banking calendar, we offer 24/7 customer support. You can contact customer service at Chime whenever you need.
When you may not receive your paycheck early
Chime makes your paycheck available the same day we receive it, which means you might be able to access your hard-earned cash up to two days before your scheduled payday.
There are multiple digital stops your direct deposit makes before it reaches Chime. If your payment gets held up along the way, Chime may not receive your paycheck until your actual payday.
If it’s your scheduled payday and you don’t see the money in your account, reach out to your employer to see if they’ve processed your paycheck. If they have, the money is on its way, and Chime will deposit it in your account as soon as we get it.
When you’re looking forward to getting bills paid and stocking up the kitchen, you might be tempted to refresh your mobile banking app all day until you see that paycheck drop. No need with Chime: we’ll send you a push notification as soon as your paycheck is available.
Other great benefits of Chime
Chime is not just a “get paid early” app – you may know us as one of the pioneers of eliminating overdraft fees or as a provider of “the safest secured credit card for building credit²”, as reported by the Wall Street Journal.
Through our banking partners, Chime offers many banking services and perks, including:
- The Chime Credit Builder Secured Visa® Credit Card with no annual fee, interest,³ or credit check to apply⁴
- A Chime Checking Account offering fee-free overdraft with SpotMe®⁵
- A High-Yield Savings Account* with automatic saving features and a high APY⁶
- Our fee-free Pay Anyone peer-to-peer payment service
Start getting paid early with Chime
You need your paycheck for life’s essentials and for life’s little pleasures. Why should you have to wait for it? Open a Chime Checking Account to start taking advantage of Get Paid Early. It’s your money for your hard work – you just get it faster.
FAQs
How long does direct deposit take on Chime?
With Chime’s Get Paid Early, you can get your paycheck up to two days ahead of your scheduled payment date.¹ As soon as Chime receives your paycheck from your employer, we deposit the funds in your account. To unlock the perks of Get Paid Early with Chime, just open a checking account and set up direct deposit.
Why didn't Chime pay me two days early?
Chime’s Get Paid Early feature can help you receive your paycheck up to two days ahead of your scheduled payday.¹ But what happens if your paycheck isn’t in your account yet?
Our bank partners operate Monday through Friday, meaning they only process direct deposits during the week. Your paycheck may be delayed if your payday falls on a weekend or a bank holiday.
Because direct deposits are highly regulated, they have a few stops on their journey from your employer to your bank account. Sometimes, these additional steps can delay your direct deposit. If you don’t see your paycheck in your checking account by payday, reach out to your payroll provider to ensure they’ve processed your direct deposit.
What banks let you get paid early?
While several major financial institutions do not have early paycheck access, some banks and financial tech companies offer this feature. For example, Chime, which is not a bank but offers financial services through its banking partners, includes a Get Paid Early feature. By setting up direct deposit with Chime, you can get your paycheck up to two days early.¹ There’s no fee for this feature.