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How Long Does It Take For Chime to Deposit a Check?

Annelise Sylta



When you deposit a check at your bank, it usually takes one to three days, right? However, a lot of people have been asking me recently how long it takes to deposit a check with Chime. I opened my Chime account recently. That is why this post will explain how long it takes Chime to deposit a check and other information about Chime accounts.

 All about Chime

Chime is a digital-only bank, which means they don’t have any physical locations. A Chime account is an excellent choice for your personal banking needs and here’s providing a simplified decision-enabling matrix:

  • It may be an excellent choice if you have little to no credit history and need essential individual banking services.
  • You prefer managing financial transactions using your phone daily.
  • Your checking account balance frequently slips below $100.
  • You are looking to set a direct deposit arrangement with your employer.
  • You are bummed with the miscellaneous banking fees.
  • You prefer the option of spending your paycheck a few days earlier.
  • You are looking forward to building a savings account.

What are Mobile Check Deposits?

Mobile check deposits are a convenient way to deposit paper checks into your savings or checking account without stepping out. They help you save time by allowing you to deposit checks remotely, irrespective of your time and location. Mobile check deposit requires you to take a picture of the check, both front, and back, with your mobile phone and deposit it using an app. Here are a few key points that you must remember:

  • Ensure checking your bank’s mobile check deposit limit and guidelines.
  • Keep your check ready for deposit. While you don’t have to run to the bank or ATM, you still must sign both sides of the check and ensure all the information is correct.
  • Log in to your mobile banking app, search for the check deposit option, select the account, enter the amount, upload a picture of both sides of your check, and voila!

Can you use Mobile Check Deposit with Chime?

Yes, you can use a mobile check deposit with Chime. All you need to do is click a picture of your check with your smartphone. You can deposit up to $2,000 per check and ten checks a month with a monthly limit of $10,000. However, this holds valid only if your spending account is open for at least 30 days.

How long does it take for Chime to deposit the cheque?

Chime automatically enables Mobile Check Deposit in your app. It takes up to one business day post receiving your qualifying deposit, and Chime will take 3-5 business days to deposit most checks into your account. Hence, it may take up to 5 working days for the amount to reflect in your account.

The process to deposit online checks via Chime.

Once the mobile check deposit facility has been allowed from your account, you can use the facility to deposit checks through Chime mobile app. Just follow the instructions mentioned below. 

  • Open the Chime app and the move money option from the list.
  • Tap on the option available named mobile check deposit.
  • Now select the type of check you are eager to deposit and follow the instructions given by the app. 

What can I do if my check gets rejected by Chime?

There can be various reasons behind the rejection of your check. The check might be illegible, failure to endorse, textured or patterned backgrounds of a check, among others. If that happens, you will receive an email and a notification on your phone. It would be best if you got in touch with Chime customer service to know the cause behind the rejection and rectify it.

What is the amount I can withdraw with my Chime ATM?

You can withdraw $500 daily with the help of Chime ATM. Remember, one can only withdraw cash from Chime outlets, as they never work on different ATMs due to their policies.


I hope this post gives an idea of how Chime works and how long it will take to deposit and clear the check on it. Contact Chime’s customer service department if you have any other queries.

Anne Lise is an MBA graduate with a passion for doing business research and fashion reviews. She has been with Busybodytribune for over 4 years now, and is the lead editor for the magazine.

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