Chime never holds direct deposits and will always post your funds as soon as we receive them from your employer or benefits provider. The timing of your deposit is dependent on when your employer (or provider) initiates the payment to your Chime account. If you do not see your direct deposit in your account, we haven't received it yet.
Early Direct Deposit
We always process and post a deposit as soon as we receive it. If you have enabled transaction notifications in the Chime app, we'll notify you immediately the moment your funds reach your account.
If your expected direct deposit isn’t in your account yet, you can contact your employer (or provider) to confirm the time at which it was sent. We do not receive the direct deposit instantly, as it must pass from your employer, to your employer's bank, to the Federal Reserve before reaching Chime. As soon as we receive your direct deposit, it is in your account immediately.