If you have a Chime account and looking to deposit a check with Chime, this guide will walk you through the easy steps to do this. Chime allows you to do a mobile check deposit using their mobile app (also called as photo check deposit) which is a simple and convenient way. In this post, we share complete details on how to deposit a check on Chime App [including stimulus checks], Chime mobile check deposit time, limits, cut-off time and is the Chime mobile check deposit instant etc.
Chime, which offers online-only banking service (without most fees) is one of the preferred banking options for tech savvy millennials.
The traditional way to deposit checks requires you to physically submit them at the bank branch, which could mean waiting in cues. Or it can involve sending the check by mail which is again a time consuming option.
However, Chime offers the convenience of mobile check deposit as a digital way to get your checks deposited from the comfort of your home.
How to deposit a check with Chime? You can deposit a check with Chime by using Mobile Check Deposit Option on Chime App by snapping a photo of check. Open the Chime app and tap on “Move Money” (at the bottom) which gives you option to do a Mobile Check Deposit under “Add Funds” section.
Note: One important point to note if you DON’T see the Mobile check deposit option-The check deposit feature gets auto-enabled on Chime, only once you have received a minimum of $200 Payroll direct deposit in your Chime account. It is activated within 30 days of such direct deposit (however, some old users may still have it on anyways)
Let’s look at the steps involved in depositing the check with Chime.
How to Deposit Check with Chime [Steps]
- Open your Chime Mobile App and Log In
- Next tap on the option “Move Money” at the bottom
- Next tap on “Add Funds”
- Next select the option “Mobile Check Deposit” (camera icon) from the choices available
- Next select the account type in which you are depositing the check (checking or savings)
- Next you will be asked to enter the check amount
- Sign at the back of your paper check and write “For deposit only” under your signature (Some may prefer to write “For deposit in Chime Only” but it can be a problem later if for some reason the check does not get accepted at Chime and you choose to deposit at another bank)
- Using your mobile camera, you now need to take a photo of the check both the front and back portion. Make sure the picture is clear on both sides to avoid chances of rejection. Clear your camera lens if picture is coming out fuzzy or blurry. Also, make sure there is good lighting so your camera can pick up details on your check. Even the details at back of check should be readable.
- Review the deposit details like the amount, account number etc. once the images are recorded
- Confirm the deposit
Some important points to note ->
Once Check deposit is submitted, it will show up under your pending transactions. Once it goes into pending, it will take a few hours for Chime to accept or reject the check.
Is the Chime Mobile Check Deposit Instant? How long does it take to deposit a Check with Chime?
A mobile check deposited with Chime can take up to 3 business days to reflect the credit in your account balance. It usually gets credited within 24 hours of acceptance.
So usually a check deposited before the cut-off time (not being a weekend day or bank holiday) will reflect on next business day. But for certain high value checks and depending on the party issuing the check, it could take a longer period.
Generally, for printed checks on payroll, the turn around time is quicker. In certain cases, it may also clear on the same business day.
While depositing the check, Chime also gives you an indication of how long it will take before the funds are available in your account balance.
If you are looking to cash a check instantly, you can probably try Venmo which provides instant check deposit option for a small fees. I have a post which covers the details on how to cash a check with Venmo.
Chime Check Deposit Cut off time?
A check deposited by 5 pm Eastern Time on a particular day, usually gets credited on next business day.
So if you deposit a check after 5 pm on a particular day, it will get submitted on next day and cleared on the 2nd business day.
Also Read: Does Chime work with Venmo [Complete Guide]
Chime Check Deposit limits?
There is a limit on the check deposit up to a maximum amount $2000 check and a maximum of 10 checks per month.
In some instances, checks can be rejected due to the problems with verifying the check details or payer info. If it isn’t reflected on your account after 24 hours, you can call on the Chime hotline.
If for any reason, you are not able to deposit a check with Chime even after check with Chime Support, you can also consider alternatives like Ingo Money App.
Also Read: Does Chime work with Cash App?
How to Mobile Deposit Stimulus Checks with Chime
Open the Chime app, tap Move Money at the bottom of your screen, then tap Mobile Check Deposit, then U.S. Treasury to deposit stimulus checks on Chime.
There is a separate tab in the Chime App for stimulus check deposit for convenience and faster payout. Do note that Stimulus Check Mobile Deposit facility is available if you are active on Chime Spending Account and have Chime Visa Debit Card.
If you have received a government stimulus payment in form of a paper check, do keep in mind the following precautions for successful deposit-
1.The name on the check should match your name on your Chime Spending Account
2. For joint stimulus checks, at least one filer’s name should match the name associated with the Chime Account- failing which it may not be accepted
3. You are usually required to sign the back of your paper check and write “For deposit to Chime only” below the signature.
For joint stimulus check, both signatures are required on the back of the check.
Also Read: Cash Advance Apps that work with Chime [Complete List]
Chime Mobile Check Deposit Not Working
Mobile check deposit function is auto-enabled by Chime. But for this, you should have received a minimum of $200 Payroll direct deposit. The mobile check deposit function is activated on your app within 30 days of such direct deposit.
If for any reason you don’t see the mobile check deposit function enabled on your Chime App, its probably because there has been no direct deposit in your account.
But as per Chime website, If your already had access to Mobile Check Deposit before June 1, 2021, you can still use the feature even without having a qualifying direct deposit since that date.
If you have successfully deposited a check in your Chime Account and want to move the money to another bank account, we have a guide on how to transfer funds from your Chime Account to your other bank account.
Feature Note: If you are looking to issue your own checks to make payments, Chime does not give you paper check books but has its own Checkbook feature, that gives you the option to issue paper checks as a part of the Chime Mobile App
So you can conveniently deposit your check with Chime using the mobile deposit option by few clicks of button. Make sure to take clear images of checks and verify the details before submitting to avoid possibility of rejections. Also, consider the time of at least 24 hours to get the funds in your account.