The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.Ĭredit Builder: To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. Get Paid Early: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Must have $0.01 in savings to earn interest. The disclosed APY is accurate as of May 22, 2023.

Mobile Deposit: Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member's direct deposit enrollment status.Ĭhime Savings Account: Chime Checking Account is required to be eligible for a Savings Account.ĪPY: The Annual Percentage Yield (“APY”) is variable and may change at any time. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade. and may be used everywhere Visa debit cards are accepted.ĪTMs: Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.ĭeposit: Once the retailer accepts your cash, the funds will be transferred to your Chime Checking Account. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A.

Banking services and debit card provided by The Bancorp Bank N.A. All international money transfer servicesĬhime is a financial technology company, not a bank.

How does direct deposit work with chime