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What Time Does Chime Direct Deposit Hit Your Bank Account?

With over 27 million users in the United States alone, Chime is one of the largest internet banks in the country. There’s a high chance you are one of them and love the ease with which you can add funds to the Chime platform. Naturally, you want to know what time chime direct deposit hits. Chime is a digital fintech institution, that provides banking services online. It doesn’t have physical offices or locations and is not technically considered a bank, but it still issues Visa and Mastercard for its users.

Founded in the year 2012, Chime has gained popularity through its short-term loan services, advance cash loans with no interest, payday loans, etc. They also offer other banking services like savings accounts, checking accounts, investment portfolios, etc. Among its features is a direct deposit Chime which allows you to directly transfer money to another account, without the help of a digital purse. Chime’s direct deposit helps avoid long queues at the bank and the hassle of cashing out checks. 

Hence, this is a far better and safer option. This article discusses Chime deposit time, or how long it takes to deposit in your account, as Chime having different deposit times for different days gives rise to a plethora of pertinent questions such as what time does Chime direct deposit hit on Wednesday, what time does chime direct deposit hit on Friday? etc., as there is no specific timing.

What is the Direct Deposit of Chime?

What is the Direct Deposit of Chime?

Direct deposit is a fund that is transferred electronically directly to the payee’s accounts without any physical checks or digital wallets like PayPal or Venmo. This facility helps avoid long queues in the banks and helps reduce pressure on physical online branches. Carrying a physical check can also have its problems. You have to keep it safe, lest it gets lost or stolen. You must keep it from being damaged by tears, smudges, or wetness. A check can also be discarded if the signature on the check has overwriting or is vague. 

In such situations, direct deposit comes in handy. The fund is electronically transferred, and you don’t have to deal with any problems of a physical check in real life. According to APA or American Payroll Association, 94% of the American workforce receives their salary by this method. 

However, direct deposit can come with its problems. The funds take a few days to get updated in your account. And the timings are different on different days. So, what time does the Chime mobile deposit hit? How does it work on weekdays? What about holidays? We will discuss this further in this article as well as how to add money to a Chime card.

Benefits of Chime Direct Deposit

Before we discuss Chime deposit time and answer important queries we learn some of its benefits:

Access to Your Money Earlier

The bank check takes multiple days to be cleared. That doesn’t happen with the direct deposit of Chime. As soon as you send the money from your account, the money gets debited to your payee’s account within some time. In Chime, the money transfer occurs within minutes, and the transaction is cleared with the bank swiftly and smoothly. Does Chime support apps like Zelle? They are primarily incompatible, but payment can be set up. 

The Transactions are Safe

Transactions with direct deposit transfers are safer. They take less time to get cleared than check clearances but also go through encrypted gateways so that no money is lost during transactions. For example, if you want to transfer money from Chime to the cash app, you can do so without losing money.

Better Record-keeping Facilities

Direct deposits help to make record-keeping easier to do. Direct deposit leaves a trail from the bank it is transferred to and the account it is transferred to. It helps the payer to keep records more efficiently.

No Extra Bank Fees

Banks charge maintenance fees for your checking account as well as your savings account. During direct deposit, banks tend to waive maintenance fees. Chime direct deposit also provides overdraft protection and charges no additional fees. Numerous payday loans that accept Chime can be beneficial because of this.

How to Set up Chime Direct Deposit?

chime direct deposit time

To set up Chime direct deposit and add money to your Chime account, you must know your bank’s routing number and your account, which will be available under the settings option and then in the accounts options.

You will also need a canceled check and your bank address. Once you know your information, two ways exist to set up Chime direct deposit.


Here are the steps to set up manually:

  1. Download Chime from the Google Play Store and Apple Store and log in to your account.
  2. You will find an option called Move Money at the bottom of the landing page.
  3. Click on it.
  4. Click on the option “Move your direct deposit,” which you will find at the top of the list.
  5. There will be multiple options available for you:
  • You will have provisions to copy your routing number and account as one option.
  • Another option will provide you with the “get completed form”.
  • After choosing your preferred option, click verify, and your job is done.


Here are the steps to set up payment automatically.

  1. You have to log in to a government portal or provider.
  2. Click on the Update payment method.
  3. Fill out the form with all the required details and choose what amount you want to deposit.
  4. Click on save. 

What Time Does Chime Direct Deposit Hit?

In this section, we will discuss what time Chime direct deposit hits your account. Chime direct deposit time varies according to the different days of the week. Here are the times:

  • If you are eager to know “what time does Chime direct deposit hit on Monday?”, the Chime deposit time is at 5:00 ET.
  • On Tuesday, it is processed by 5:00 ET.
  • Chime direct deposit time is restricted to 5:00 ET from Wednesday to Friday. Now you know what time does Chime’s direct deposit hit on Thursday as well.

Does Chime Deposit on Weekends?

Timings are different for weekends. If you were asking does Chime deposit on weekends or what time does Chime direct deposit hit on Saturday, unfortunately, Chime deposit doesn’t process its deposit on weekends. 

What Time Does Chime Direct Deposit Hit After a Holiday?

Chime direct deposit doesn’t process its deposit on Federal holidays. Here’s a list of holidays that Chime generally observes:

  1. New year’s day
  2. Martin Luther King’s Day
  3. George Washington Birthday
  4. Memorial Day
  5. Independence day
  6. Labor day 
  7. Indigenous people’s day
  8. Veteran’s day
  9. Christmas day

Why Is My Chime Direct Deposit Late?

If you were wondering why Chime’s direct deposit late today, there might be some technical glitches that caused payment delays. To resolve specific Chime direct deposit issues such as delay or non-reception, and get questions like what time does Chime direct deposit hits on Tuesday, please check your settings or contact customer care at Chime.

Frequently Asked Questions (FAQs)

Q1. Does Chime really direct deposit early?

Only if you’re a Chime member, will the Chime bank name for direct deposit pay early. The bank check takes multiple days to be cleared. There is no such thing with the direct deposit of Chime. Your payee’s account gets credited shortly after you transfer the money. Chime’s money transfers are instantaneous and bank-cleared. 

Q2. Does Chime direct deposit come late sometimes?

If you were wondering why Chime’s direct deposit is late today, then there might be some technical glitches that can cause payment delays. To resolve specific issues with direct deposit, such as delays, not being able to add money, knowing does chime have Zelle, etc. Please check your settings or contact customer care at Chime.

Q3. Can I see pending deposits on Chime?

You can see pending transactions of Chime. You have to click on view transactions, and you can see any transactions that are pending. 

Q4. When does Chime direct deposit hit?

On weekdays, Chime processes your direct deposit by 5:00 PM ET. Chime doesn’t process any deposits on weekends and Federal holidays. 


Chime bank can benefit people who don’t want to stand in a queue or get access to their paychecks early. One must be mindful of the Chime direct deposit time. On weekdays, it processes your deposit by 5 PM but doesn’t process your payments on holidays and weekends. Since Chime transfers funds rapidly, ensure you have sent it to the right people.

Author Profile

David Garcia
David Garcia
David Garcia is a nationally-recognized consumer and money-saving expert who helps people make smart decisions with their money. He has been featured on NBC’s Today Show, Good Morning America, ABC News, and CNBC as well as in The New York Times & other media outlets. With more than 13 years of experience in the personal finance space, David is an experienced writer and researcher. He has written for major publications where he provides readers with actionable advice to save money on groceries, insurance, and more. With his work for various publications, David is an active contributor to the Credit Card Insider blog where he shares insights into credit cards such as rewards programs and interest rates.

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