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

Stimulus payments status

Stimulus payments and Chime

If you are a Chime member, you will be able to find out more about the status of stimulus payments on this page. We will be adding more details as we receive information regarding processing and payment timing.

When is my stimulus payment coming?

Please note that our member support agents do not have information on the status of Economic Impact Payments.

April 6th, 2021

The majority of the stimulus deposits have been processed. If you haven’t gotten your payment yet, you will likely receive a check or debit card from the IRS, even if you received an electronic deposit last time. Please check the IRS website for more information. You can also find more information on our FAQs below.

Looking for more information?

Direct deposit your stimulus with Chime›

No hidden fees¹. Grow your savings automatically. Fee-free overdraft for eligible members².

Check my payment status›

Get information from the IRS on the status of your Economic Imapct Payment

We've got your back 💚

If you have questions regarding the stimulus payment and your Chime account, please check out our FAQ below. 

Why haven’t I received my stimulus payment?

If you’re eligible for an economic impact payment, but haven’t gotten it yet, it’s likely that the IRS will send you a paper check or debit card. This is expected to start soon and continue throughout the month of January.

If you received the previous stimulus payment as a direct deposit and haven’t received a second stimulus payment, the IRS likely routed your payment to tax preparer companies instead of your account. These payments were rejected and returned to the IRS. If you were impacted, you’ll either receive a paper check or a debit card from the IRS. If you do not receive your payment in any form, then you can claim the Recovery Rebate Credit on your 2020 tax return.

To check the status of your payment, go to IRS.gov/eip and use the Get My Payment tool. 

For more information check out the IRS stimulus FAQs.

Will I get my stimulus check up to 2 days early?

As with all direct deposits, Chime will make your money available the moment we can. Unfortunately, we have no way to track the status of your payment until it arrives in your account, but you may get your stimulus check early.

What if someone offers to get me my stimulus payment sooner?

Protect yourself from scams. If someone is offering you a faster stimulus payment in exchange for money or information, they are a scammer. The IRS has noted a wave of new schemes involving Stimulus Payments. Most schemes involve attempts to collect your personal or financial information in order to receive your payment sooner, but other schemes may involve first sending you a bogus check and requiring that you call in with or mail in additional information.

If you are the target of a scam, you can report it to the IRS by emailing phishing@irs.gov. For more information, see the IRS’s Coronavirus scams page.

Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is 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 cards are accepted. The Chime Visa® Credit Builder Card and the Chime Visa® Cash Rewards Card are issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see 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.

¹Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply.
²Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.

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