It also allows us to clear more checks through our app.Īfter you deposit a check through the Chime app, hang tight. Why is there a hold time? On our end, it helps make sure the check doesn’t bounce. In most cases, though, mobile check deposit is fairly quick. It can take up to five business days for money to show up in your account. Mobile Check Deposit will automatically be available on your app one business day after you receive your qualifying direct deposit. If it’s a gig economy payer, we also accept direct deposit payments that are Original Credit Transaction (OCT). For instance, you can deposit a check in the app if you’ve received at least $1 from an employer or payroll provider, a gig economy payer, or government payments (SSI benefits apply, but not tax refunds).Ĭhime accepts direct deposit payments that are automated clearing house (ACH) transfers.
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