Most Chime users desire the security of a traditional bank and the convenience of an online bank. The Chime Mobile Check Deposit feature is ready to deliver just that!Â
- You can deposit check via Chime mobile app by Open account > Move money > Add funds > Mobile check deposit > Type of account > Amount of money > “For Deposit Only” > Verify.
- Check deposits are limited to a maximum of $2000 per month.
- The number of checks can not exceed 10 during a single month.
…and Much More!
Chime Mobile Check Deposit Review
Chime is one of the favored banking alternatives for geeky millennials since it offers online-only banking (without most fees). It lets users borrow money and works with different payday loan apps.
- Furthermore, Chime’s mobile app allows you to make a mobile check deposit, which is a quick and easy method.
The conventional method of depositing checks is physically submitting them to a bank branch. Beware the long wait in lines!
On the other hand, Chime provides the ease of mobile check deposit as a digital means to deposit checks from the comfort of your home.
Note! Chime deposits are FDIC-insured, unlike other comparable services like Cash App and Venmo.
How Long Does Chime Take To Deposit A Check
Chime can take up to 24 hours to deposit the check after approval, but things work differently on the weekends. On weekends and deposits made on holidays, the transacted amount will be seen in your account the next working day. Here’s what you need to do to deposit your check with Chime.
- Open the Chime Mobile App
- Tap the bottom-left option, Move Money.
- Select Add Funds.
- Then, choose “Mobile Check Deposit” (camera symbol) from the list of options.
- Then, choose the account type where you want to deposit the check.
- The amount of the check will be entered next.
- Sign your paper check on the back, and don’t forget to write “For deposit only” underneath your signature.
- It would help if you now took a picture of both sides of the check.
- Review the deposit data, such as the amount, account number, etc.
- Verify the deposit.
Extra Reading
Chime Check Deposit Limit
Check deposits are limited to a maximum of $2000 per month. The number of checks can not exceed 10 during a single month.
You might be interested in reading: Chime Withdrawal Limit and Spending Limit.
The Deadline for Depositing Chime Mobile Checks
If the mobile check is deposited at 5 p.m., it will technically reach the next business day.
- This is the next day during the week (Monday to Thursday) and the following Monday if it is deposited on Friday.
When you submit a check deposit, it can be viewed in the pending transactions section. Chime generally takes a few hours to approve or reject the check once it is placed in pending status.
You might be interested in reading: When Does Chime Direct Deposit Hit?
How to Avoid Getting Your Check Denied
Checks may be denied due to issues with verifying details or payers’ information. You can contact the Chime helpline if it still needs to be reflected on your account after 24 hours.
Moreover, make sure the photo is evident on both sides.
- If your image is hazy or blurry, clean your camera’s lens. Also, ensure enough light for your camera to pick up the finer details on your check.
Chime Mobile Check Deposit Not Working
If you are facing a “Chime mobile check deposit something went wrong” error, there are several things to look into to find the solution.
- Check your internet connection and try refreshing your WiFi connectivity.
- Check that you have signed the check.
- Make sure you have a deposit limit. There are limits, and depositing higher than that will not go through.
- Are you waiting enough? Chime check deposit can take up to 5 days. Therefore, assume it’s not working only if the deposit is not complete within this time frame.
Chime’s Spending vs Savings Account
Chime’s Spending Account is one of the best checking accounts for bad credit that works with no fee and minimum balance requirement. Withdrawing money is free unless you visit an ATM outside of the networks. Chime’s spending account also gives an option for direct deposit.
- It’s a good alternative for employees who need help creating standard accounts but still want to receive their paychecks.
Chime’s high-yield Savings Account pays 0.50% API. It takes the game with no monthly fees, minimum balance requirements, and no limit to the interest you may earn.
You will receive interest if you have at least a cent in your account. No minimum deposit is required to create a Chime Savings Account, but you must first have a Chime Spending Account.
You might be interested in reading: Chime Stimulus Check.
The Bottom Line
With a few clicks of a button, you may deposit your check with Chime utilizing the mobile deposit option.
To avoid rejections, snap clear photos of checks and double-check the facts before submitting. Also, let it take at least 24 hours for the cash to arrive in your account.
Frequently Asked Questions About Chime Mobile Check Deposit
What is the Chime mobile check deposit cut-off time?
It can take up to 5 business days.
Who can deposit checks with Chime?
Only Chime customers with at least $200 put into their account from their regular paycheck direct deposit will be eligible to use the Chime mobile check deposit feature.
How much is the Chime Check Deposit fee?
There are no costs when depositing checks with Chime. Withdrawals from out-of-network ATMs, on the other hand, will be charged $2.50 per transaction.
What time does the Chime mobile check deposit hit?
You must find out how long it will take to get your money. If a week has passed and the money has yet to come, you can contact the issuing bank to inquire about it.
Furthermore, sending a check from your Chime Checkbook to a payee takes 2 to 5 business days.
What happens when the Chime check you have issued is not withdrawn?
When checks are not withdrawn within 180 days or approximately six months, they become stale. Chime will automatically refund your cash to your account after this period.
Can you cancel a Chime check you ordered while it is in transit?
Yes. You can only cancel a check that has yet to be withdrawn. It is only possible to get your money back after it has been released. Contact the Chime helpline at 1-844-244-6363 to cancel a check still en route.
Is Chime mobile check deposit instant?
A Chime mobile check deposit can take up to 5 business days. You can clear the check even faster, but the deposit takes time.
Jamie Johnson is very enthusiastic Kansas City – based freelance writer, and her core expertise are finance and insurance. She has been endorsed on several personal finance, insurance & business website to share her thoughts. Her publications can be found on famous sites like Bankrate, The Balance, Business Insider, Chamber of Commerce and many others.
From many years, she served more than 10,000 hours of research and writing to more than 2000 articles related to personal finance, credit building, mortgages, and personal and student loans.
