Chime Direct Deposit Time
Fee-free overdraft up to $100.¹ Get paid up to 2 days early with direct deposit.² Grow your savings.
Learn how we collect and use your information by visiting our Privacy Policy›
¹ Chime SpotMe is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher limit of up to $100 or more based on member's Chime Account. 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.
The Bancorp Bank or Stride Bank, N.A.; Members FDIC
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Overdraft fee-free with SpotMe
We’ll spot you up to $100 on debit card purchases with no overdraft fees. Eligibility requirements apply.¹
Get paid early
Set up direct deposit and get your paycheck up to 2 days earlier than some of your co-workers!²
Say goodbye to hidden fees³
No overdraft. No minimum balance. No monthly fees. No foreign transaction fees. 38,000+ fee-free MoneyPass® and Visa Plus Alliance ATMs. Out-of-network fees apply.
![Late Late](https://www.kaierdadisplay.com/ImageHandler/0-0/UploadFiles/Images/men-clothes-shop-design-1.jpg)
Make your money grow fast
0.50% Annual Percentage Yield (APY)⁴. Set money aside with Automatic Savings features. And never pay a fee on your Savings Account.
Stay in control with alerts
You’re always in-the-know with daily balance notifications and transaction alerts
Security & support you can trust
Serious security
Chime uses secure processes to protect your information and help prevent unauthorized use
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Privacy and protection
Chime Direct Deposit Time
Your deposits are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank N.A.; Members FDIC
Friendly support
Have questions? Send a message to our Member Services team in the app or check out the Help Center.
Get started
Applying for an account is free and takes less than 2 minutes.
It won’t affect your credit score!
Chime Direct Deposit Holiday Delay
Learn how we collect and use your information by visiting our Privacy Policy›