Get your paycheck up to two days early¹

Get your paycheck early¹ with direct deposit. That’s up to two more days to do more with your money. Stop waiting and start getting paid early!

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Don’t wait for your paycheck

1. Banking Services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa ® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. And may be used everywhere Visa debit cards are accepted. The Chime Visa ® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. And may be used everywhere Visa.
2. Bank Transfer Initiated Through the Chime Mobile App or Website: Up to 5 (five) business days from the date the transfer was initiated (Monday-Friday) excluding federal holidays. Bank Transfers from an External Account: These deposits are typically received within 3 (three) business days from the date the transfer was initiated by the originating bank.
3. And with direct deposit, customers can receive paychecks up to two days earlier than at a traditional bank. Plus, Chime doesn't charge fees to use your card abroad; other banks typically charge 1%.

When you receive direct deposit to your Online Chime Spending Account, you can access your funds up to two days early¹. No waiting for your money, and no paper check to get lost in the mail. You’ll get paid as soon as the money is available – which is often up to two days before traditional banks.

As a friendly reminder, we never hold deposits. Instead, when Chime receives payment information from your benefits provider, the deposit is instantly posted to your Spending Account. We'll let you know as soon as your money is available with an email and a push notification to your phone.

How to get paid early with direct deposit

Chime is more than a get paid early app. We offer a mobile banking account – including early direct deposit¹ – on behalf of our partners. One of the easiest ways to fund your Chime Spending Account is to set up direct deposit, which can be done in the Chime mobile app. When you open an account through Chime, you can email yourself a pre-filled direct deposit form that you can hand over to your employer. It’s that easy to start getting paid early¹ with direct deposit.

Learn how we collect and use your information by visiting our Privacy Policy›

A popular way to receive your paycheck today is by direct deposit.

With direct deposit, you don’t have to take a physical check to a brick-and-mortar bank. You don’t even have to take a picture of the check to deposit it via your smartphone into your bank account. Instead, you can cut out these extra steps and have your money directly deposited into your bank account on payday with no hidden fees.

Direct deposit is basically an electronic payment from one bank to another. The best part is that most employers offer direct deposit as a payment option and it’s simple to set up.

Read on to become more familiar with how direct deposit works.

When you are set up for direct deposit with your employer, the funds for your pay will simply be transferred from your employer’s bank account to your bank account. To transfer the funds, banks use the Automated Clearing House (ACH) network to coordinate these payments among financial institutions.

You’ll still have access to your paycheck stub so that you can review your timesheet, see the amount of taxes taken out, view your vacation time, and so on.

Chime Deposit Schedule

Direct deposit is not just limited to your paycheck. You can set up direct deposit for your tax refund, social security or disability income, and other types of payments that you may receive.

When you start a new job, your employer may ask you if you want to set up direct deposit, or you can simply ask how to start this easy process.

If direct deposit sounds like something you’d be interested in, here are some key steps you’ll need to follow in order to get everything set up. Remember, most employers and even many government agencies offer direct deposit so this is a totally secure and convenient way to get paid.

1. Get a direct deposit form from your employer

Start by asking your employer for a direct deposit form. This is a crucial step since you can’t continue without this. The direct deposit form is a document that authorizes your employer to send money to your bank account using an ABA routing number and a bank account number.

Chime Bank Direct Deposit Time

2. Provide your personal bank account information

To complete the form, you will need to add information like:

• Your bank account name and address
• Bank account number
• Routing number
• Type of account (checking or savings)
• Name(s) of the account holder

Chime Unemployment Direct Deposit Time

You can find most of this information on a voided check, your bank account statement, or via your mobile bank account app.

4. Decide how much money you want to be deposited into your bank account

Next, be sure to determine how much money you want to be deposited into your bank account.

While some people opt to have their entire paycheck deposited into their checking account, a cool feature with direct deposit is that you can split up the payment between your checking and savings accounts.

For example, you may want your employer to deposit 10% of your income to your savings account and the remaining 90% into your checking account.

Chime’s automatic savings feature, for example, makes it easy for you to do this so you don’t have to think about saving money. This way you can set aside a portion of your income automatically and budget the rest of your paycheck for other expenses.

Another option you may want to consider is splitting up your direct deposit amount between your checking account and your partner’s checking account. If you combine expenses with your spouse or live on one income, this may be a convenient way to disperse your paycheck.

5. Include a voided check or deposit slip with your direct deposit form

You may also be asked to provide a voided check when you turn in your direct deposit form. A voided check is a check that has the word ‘VOID’ written across the front. This indicates that the check can’t be accepted for payment, but can be used to gather important bank account details and information.

And, even though you’re already providing this information on the direct deposit form, it’s still a great idea to verify everything with a voided check to ensure that your paycheck gets deposited into the correct account.

6. Submit your direct deposit form to your employer & monitor your bank account

Check to make sure that the information on your direct deposit form is accurate before you turn it in. Your employer or the HR department should let you know how long it will take to process your information and set up your direct deposit.

You may have to wait one or two pay periods, but keep your eye on your bank account around payday so you’ll know when the direct deposit kicks in.

Wondering how you can find your Chime Routing Number? 👀

If you’re still wondering whether you should sign up for direct deposit at your job, here are some key benefits you should consider when you make the switch.

• You’ll save time: Having direct deposit means your money goes directly into your account. This means you don’t have to spend time going to a bank or check cashing service after work to cash your check.
• You’ll save money: Sometimes, if you don’t cash a check at your traditional bank, you’ll get charged a fee. Currency exchanges often charge fees that increase with the amount of your check. And, some big banks may not cash your check if you don’t have an account there, or they may even charge you a fee. Direct deposit makes it easy to avoid these unnecessary charges and get your paycheck delivered directly to your account.
• You can get paid early¹: Another great benefit you should consider is the fact that you can actually get paid earlier. Chime’s Get Paid Early feature allows you to get your paycheck up to 2 days earlier¹ with direct deposit.

Setting up direct deposit is easy, free, and will likely be a more convenient way for you to get paid.

Don’t procrastinate because this can end up costing you more money and time in the long-run. Instead, take action today and improve your financial future.

Chime Direct Deposit Late

Already banking through Chime? Learn how to set up direct deposit with Chime.