How long will it take for my money to post to my Chime Spending Account?


The wait times for the most common types of money transfers are listed as follows:

Direct Deposit:
We will post your direct deposit to your Spending Account as soon as it is received from your employer or payer. If you have questions about the timing of your direct deposit, contact your employer. We do not hold your deposit and we will send you an email and push notification as soon as it's posted. 
 
Bank Transfer Initiated Through the Chime Mobile App or Website:
Up to five (5) business days (Monday-Friday) from the date the transfer was initiated (excluding federal holidays).
 
Bank Transfers from an External Account:
These deposits are typically received within three (3) business days from the date that the transfer was initiated by the originating bank. Once the funds are deposited to your Spending Account, they will be available instantly. Refer to the originating bank for more information on their transfer time frames.
 

Cash Through Green Dot:
Within two (2) hours of a successful deposit.

Merchandise Returns:
Merchandise returns can take from three-to-five (3-5) days to appear in your Spending Account. 

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