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Key takeaways
- Get your paycheck up to two days early with direct deposit to your Chime® Checking Account.1
- We make your money available as soon as we receive your employer’s payment file.
- Weekends and federal holidays can delay when early direct deposit hits.
Ready to get your paycheck sooner? Chime’s Get Paid Early feature gets you access to your paycheck up to two days ahead of schedule when you direct deposit.
Whether it’s to pay bills, grow your savings, or treat yourself to something nice, your paycheck represents your hard-earned cash – and the sooner you receive it, the better.
So, how does the Get Paid Early feature work? Here’s everything you need to know to get paid early with Chime.
How to set up Get Paid Early with Chime
Getting paid up to two days early 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 two 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 and then Set up direct deposit. Here, you can:
- Copy your routing and account numbers, then share them 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 feature. 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. Then, share it with your employer.
Once you’re enrolled in direct deposit, you’re ready to start using Get Paid Early. As soon as we receive your paycheck from your employer, we’ll deposit it into your account – even if it’s earlier than your scheduled payment date.
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.
While many banks hold direct deposit funds until your scheduled payday, Chime doesn’t hold your paycheck once we receive it. That means you may get paid up to two days earlier than you would at some traditional banks.
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. On these dates, Chime and our banking partners do not process direct deposits.
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. Review our full Chime holiday schedule for more details.
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 Chime customer service whenever you have a question – no need to wait for traditional business hours.
When you may not receive your paycheck early
Chime makes your paycheck available the same day we receive it so that you can 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 or payroll provider to confirm 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 receive it.
You might be tempted to refresh your Chime mobile banking app all day until you see that paycheck drop. No need with Chime: If you opt in to notifications, we’ll send you a push notification as soon as your paycheck is available.
Other great benefits of Chime
Through our banking partners, Chime offers many banking services and perks, including:
- Chime Visa® Credit Card with no annual fee, no interest,2 and no credit check to apply
- A Chime Checking Account with no monthly fees and fee-free overdraft up to your limit with SpotMe® when you qualify3
- A high-yield Chime Savings Account with automatic savings features4 and a competitive APY
- 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 little pleasures. Why should you have to wait for it?
Open a Chime Checking Account and set up direct deposit to start taking advantage of Get Paid Early. After all, it’s your money – you’ll just get it faster.
FAQs
How long does direct deposit take on Chime?
With Chime’s Get Paid Early feature, you can get your paycheck up to two days ahead of your scheduled payment date1 when you set up direct deposit. As soon as Chime receives your paycheck from your employer or payroll provider, we deposit the funds in your account.
Why didn’t I receive my pay two days early?
Our bank partners operate Monday through Friday, so they process direct deposits only 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. If they’ve sent the funds, Chime will make your money available as soon as we receive it.
What banks let you get paid early?
Some banks, credit unions, and financial technology companies provide early paycheck access features.
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.