Chime® is a financial technology company, not a bank. Banking services, credit, and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

Chime Get Paid Early

Get your direct deposit up to 2 days early1 through Chime

Set up direct deposit through Chime to get started

Get notified as soon as your paycheck is available

Up to two extra days to grow your savings and pay your bills!

Mobile device shows early direct deposit notification

Get your money. Faster.

Good things come to those who wait, but why should you be the one who waits? As soon as Chime receives your paycheck, it’s all yours. Discover why so many people choose Chime.

calendar shows early paycheck access through Chime

Early paycheck access

Get your paycheck up to two days faster than you’d get it at some traditional banks!1 Slide it into savings and watch it grow, or use it to pay for bills, groceries, or a night out.

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Instant notifications

Signing up for early direct deposit is easy – but tracking it is even easier. We’ll send you a push notification and an email once your paycheck is ready.

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Do more with Chime

  • Open and fund a high-yield Chime Savings Account
  • Qualify for fee-free overdraft with SpotMe2
  • Start building credit safely using the Chime Credit Builder Secured Visa® Credit Card3
  • Pay Anyone4 in the Chime app – without any fees

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How to get paid early through Chime

Get Paid Early resources

How do you set up direct deposit with Chime?

How do you set up direct deposit with Chime?

Learn more
how to get paid early with chime

How we Get (you) Paid Early

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FAQs

How can you get paid early?

Are you wondering how to get paid early when you’re in a pinch? Some banks, credit unions, and fintech companies have started offering an early paycheck feature for their checking accounts, also called early direct deposit. For example, when you set up direct deposit for your Chime Checking Account, you can get your whole paycheck up to two days early.1

Is there an app to get paid early?

Multiple banking apps now let you get paid early, which can help you stay on top of bills and have your money faster. To see what institutions offer early access to your paycheck, visit their respective websites.

With a Chime Checking Account, you can set up early direct deposit in the Chime app to access your entire paycheck up to two days early1 – with no fees in sight.

What bank allows you to get paid early?

Some banks, credit unions, and fintech companies offer early direct deposit, which lets members get paid up to two days early. Chime is one such company that provides access to a wide range of banking services, including Get Paid Early.

When you sign up for a Chime Checking Account and set up direct deposit, you’ll automatically unlock the power of Chime early direct deposit.

How does direct deposit work?

To set up direct deposit, you usually just need to supply your employer or payroll provider with your bank account number and routing number. Once you have successfully enrolled in direct deposit, your payroll provider can make payments directly into your checking account electronically, without mailing a paper check.

You might set up direct deposit with an employer, companies you work with as a contractor, or even the U.S. government for tax refunds or Social Security benefits.

How do you set up Chime direct deposit?

Setting up direct deposit with Chime is easy. Just launch the Chime app, tap Move Money and then Move your direct deposit. Here, you can copy your account and routing numbers to share with your payroll provider.

Chime can also email you a completed direct deposit form for you to hand in to your employer when you tap Get completed form. Even better: Some eligible employers are already connected in the Chime app. Just tap Find Employer and follow the prompts on your screen.

Not big on mobile? You can log in to your Chime account online to access your account and routing numbers and to print or download a direct deposit form – whichever is easier for you.

How long does direct deposit take on Chime?

Chime’s get paid early feature means you’ll get your paycheck as soon as Chime receives it from your employer. For many, that’s up to two days early direct deposit1 compared to some traditional banks.

How early do you get paid with Chime?

When you set up direct deposit in the Chime app or online, your paycheck will be available as soon as Chime receives it. That’s often up to two days earlier1 than you’d get it at some traditional financial institutions.

Chime didn’t pay me two days early. What can I do?

Chime processes and posts direct deposits as soon as they come in. You’ll get a push notification and an email so you can start spending and saving right away.

If you’re expecting a direct deposit but haven’t seen it in your account, reach out to your payroll provider to see when they processed it. Direct deposits go through a few steps between the payment provider and the destination checking account. If your employer has processed the paycheck but it’s not in your Chime account, it’s still going through these steps. Don’t stress: Chime will deposit the funds as soon as they’re available.

Remember, direct deposits are only processed during the week (Monday through Friday), so if it’s Saturday or Sunday, wait until Monday to see if your paycheck arrives. Holidays can also delay payment. Chime observes all federal and bank holidays.

How does Chime pay you early?

Chime lets members get paid early with early direct deposit. Just set up direct deposit for your Chime Checking Account. As soon as your paycheck comes through, Chime will make the money available in your account. This is often up to two days earlier1 than it is at some traditional banks.

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.

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).

Third-party trademarks referenced for informational purposes only; no endorsements implied.

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 SpotMe® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Credit Builder Account. SpotMe on Debit is an optional, no fee overdraft service attached to the Chime Checking Account available to qualifying members after Visa debit card activation. Both SpotMe on Credit and SpotMe on Debit are sometimes collectively referred to as "SpotMe" or, if you have signed up to use SpotMe with only one account, "SpotMe" means the elected service. To qualify for SpotMe, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month.

Qualifying members will be allowed to overdraw their Chime Checking Account and/or Secured Deposit Account (associated with your Chime Credit Builder credit card) up to $20, but may be later eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe Debit Terms and Conditions and SpotMe on Credit Terms and Conditions.

3 Credit Builder To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer-to-peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

4 Sometimes instant transfers can be delayed. The recipient must use a valid debit card to claim funds. See your issuing bank’s Deposit Account Agreement for full Pay Anyone Transfers details. See Terms and Conditions

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