Chime never holds direct deposits. We will always post your funds as soon as we receive them from your employer or your benefits provider. The timing of your deposit depends on when the sender initiates the payment to your Chime account. Deposits post Monday-to-Friday throughout the day. If you do not see your direct deposit in your account, it means that we haven't received it yet.
As soon as your direct deposit arrives, you will receive a push notification and an email to let you know!
How does direct deposit work?
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 and date that it was sent. We do not receive the direct deposit instantly, as it must pass from your employer, to your employer's bank, and to the Federal Reserve Bank before reaching Chime. As soon as we receive your direct deposit, the funds are in your account.
How do bank holidays affect direct deposits?
Chime observes all federal and bank holidays. On these days, banks are unable to process deposits, which may delay the arrival of a direct deposit until the next day. In the 2020 calendar year, Chime observes the following holidays:
|January 1||New Year's Day|
|January 20||Birthday of Martin Luther King, Jr.|
|February 17||Presidents’ Day|
|May 25||Memorial Day|
|July 3||Independence Day|
|September 7||Labor Day|
|October 12||Columbus Day|
|November 11||Veteran’s Day (Observed)|
|November 26||Thanksgiving Day|