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What Time Does Chime Direct Deposit Hit? (Full 2022 Guide!)

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Isaac Floyd

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Last Updated

Chime direct deposits are faster than traditional banks. You will get access to your funds the moment they are available in your account.

Learn when to expect direct deposits to hit your Chime checking account with this guide.

What Time Does Chime Direct Deposit Hit?

Direct deposits to Chime typically hit at 9 am EST on your regular payday schedule. Since Chime doesn’t hold direct deposits, your funds are made available on the day your salary is received from the originating bank. This is two days earlier compared to traditional bank policies.

When you open a checking account with Chime, you are automatically enrolled in the early direct deposit that allows you to receive funds as soon as possible.

With most banks, the waiting time can be as long as three days depending on when the sender and their bank processed the payment.

Holding direct deposits allows most banks to process and validate the funds to prevent returned payments.

With Chime, there is no holding period. Funds are transferred immediately to your account the moment they are received from the sender.

This means Chime members can access their money two days ahead of their scheduled payment date.

For payrolls, the direct deposits are credited depending on your employer’s schedule. They usually set a timetable for this so the funds are received regularly on a particular date.

To prevent problems with processing your salary, you should already have a direct deposit established with your payroll provider using your checking account.

This can easily be done by logging in to your Chime account, either via the mobile app or the online banking platform.

You should select the Move Money button to see your Chime routing number and account number. These numbers are what you are going to send to your employer.

There is also a pre-filled direct deposit form via the mobile app that you can use.

Click on Move Money > Direct Deposit > Email me a pre-filled direct deposit form. Once you receive a copy, download or print the form and send it to your employer.

After several days, confirm with your payroll provider if the direct deposit with Chime is already established.

Unless it is a weekend or a holiday, you will get to see the direct deposit on your Chime transactions within the day, as early as 9 am or late at night.

For direct deposits that fall on a weekend or holiday, you can expect the money to be in your checking account the next business day.

You should note that the first deposit to your Chime account may be slower compared to future transactions. This is normal and should not be a cause for worry.

When Are Funds From Chime Direct Deposits Available?

Funds from direct deposits are made available on your account as soon as Chime receives them from the originating bank. Usually, deposits will be posted on the weekday, Monday to Friday, throughout the day.

The timing depends on when the transfer is initiated by your payroll provider. If you do not see the deposit on your account, this means that Chime has yet to receive it.

To know if your money is already available in your checking account, you should enable your transaction notifications in your Chime app.

You can do this by changing your Chime notifications settings.

You may also do it via the Chime website. Just click on your name at the top-right corner of the screen, then select Notifications.

There are some instances where you need to do some troubleshooting.

First, check if your device’s settings enable notification for Chime. If you use an Android phone, you can find this in Settings > Application Manager. 

Find Chime in the app list, then click Show Notifications.

For iOS-supported devices, go to Settings > Notifications. You will see a list of apps that support push notifications. Simply tap the Chime app and turn on the notification options. 

Why Is My Chime Direct Deposit Late?

If your direct deposit is late, Chime typically attributes it to your employer being late in processing your payroll or there is a mistake in the transaction details. While technical issues may also be a reason for the delay, this rarely happens.

A delay in deposit to your Chime account may be due to several reasons. The most common is your payroll provider and their bank was slow in processing the payment transfer.

The delay may also be due to a mistake on your Chime account and routing numbers. If it is your first time receiving a direct deposit, always check if your employer has your correct details.

Paydays falling on a weekend or holiday may also result in a delay in the processing time.

Possible Chime Direct Deposit Issues:

Typically, issues regarding direct deposit in Chime revolve around three causes – delays due to the employer, transactions during the weekend or holiday, and setbacks due to technical concerns.

Chime has always expressed that direct deposits wholly depend on your employer. Unless there is a technical issue affecting the platform, any delay is determined by the employer.

If you have not received your direct deposit, you should first confirm if your payroll provider sent the corresponding payment and what is the estimated date you can expect it to arrive.

For direct deposits due on a Friday but did not arrive, you will need to wait until Monday of the following week. This is because banks are closed during the weekends. 

Any Chime transaction that crosses a weekend or a national holiday will be processed the next business day. 

Occasionally, technical problems with Chime’s servers lead to delays. If this happens, Chime will send you a notification regarding the issue.

This should be resolved the moment Chime’s servers are back again. 

How Does Chime Direct Deposit Work?

Chime does not hold direct deposits, so as soon as they receive the funds, they will be credited to your account. If you have enabled transaction notifications in your Chime app, you will know immediately the moment the money reaches your account.

Direct deposits sent by employers do not arrive at Chime instantly. They go through several processes before they arrive at Chime. Any setbacks happening during this time are beyond Chime’s control.

If your expected direct deposit does not arrive, you should contact your payroll provider to confirm the time and date it was sent. Then, wait for an extra day just to be sure.

If you still have not received the funds after this, you may contact Chime technical support through the email at support@chime.com or call 1-844 – 244 – 6363.

When Are Chime Bank Holidays?

Chime observes bank holidays. Direct deposits sent on these dates will be processed on the next business day.

·       New Year’s Day – January 1

·       Birthday of Martin Luther King, Jr. (MLK Day) – January 17

·       Washington’s Birthday (President’s Day) – February 21

·       Memorial Day – May 30

·       Juneteenth – June 20

·       Independence Day – July 4

·       Labor Day – September 5

·       Indigenous Peoples’ Day – October 10

·       Veterans Day – November 11

·       Thanksgiving Day – November 24

·       Christmas Day – December 25

What Time Does Chime Direct Deposit Hit After A Holiday?

Since banks are closed during the holidays, direct deposits will be credited to your Chime account the next business day. For instance, if your payroll provider sends the funds and it hits Chime on October 10 (Indigenous People’s Day), you can access the money on October 11.

What Time Does Chime Direct Deposit Hit On A Monday?

You can expect direct deposits to hit your Chime account by 9 am EST on a Monday. However, you may receive the funds earlier than your expected payment date if your payroll provider initiates the money transfer early.

What Time Does Chime Direct Deposit Hit On A Tuesday?

You can expect direct deposits to hit your Chime account by 9 am EST on a Tuesday. However, you may receive the funds earlier than your expected payment date if your payroll provider initiates the money transfer early.

What Time Does Chime Direct Deposit Hit On A Wednesday?

You can expect direct deposits to hit your Chime account by 9 am EST on a Wednesday. However, you may receive the funds earlier than your expected payment date if your payroll provider initiates the money transfer early.

What Time Does Chime Direct Deposit Hit On A Thursday?

You can expect direct deposits to hit your Chime account by 9 am EST on a Thursday. However, you may receive the funds earlier than your expected payment date if your payroll provider initiates the money transfer early.

What Time Does Chime Direct Deposit Hit On A Friday?

You can expect direct deposits to hit your Chime account by 9 am EST on a Friday. However, you may receive the funds earlier than your expected payment date if your payroll provider initiates the money transfer early.

What Time Does Chime Direct Deposit Hit On A Saturday?

Direct deposits are not processed on Saturdays. Instead, you can expect the funds to hit your Chime account on the following business day, which is Monday the following week. You can view the money in your account as early as 9 am EST.

What Time Does Chime Direct Deposit Hit On A Sunday?

Direct deposits are not processed on Sundays. Instead, you can expect the funds to hit your Chime account on the following business day, which is Monday the following week. You can view the money in your account as early as 9 am EST.

What Time Does Chime Direct Deposit Hit On Weekends?

Direct deposits are not processed during the weekend. Instead, you can expect the funds to hit your Chime account on the following business day, which is Monday the following week. You can view the money in your account as early as 9 am EST.

References:

Chime

Chime

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About Isaac

Isaac graduated with an MBA in 2014. After graduating he worked in the software industry for 5 years. He started his first online side hustle in early 2018, today he makes a full-time income from his 3 online side hustles. One of the 3 is Humbled MBA.