How To Deposit A Check On Chime App

Chime has a check deposit feature, which allows you to make mobile check deposits instantly. The growing financial technology company is able to do this, because it uses Bancorp Bank, N.A. or Stride Bank to provide its banking services. As a result, it is FDIC insured.

You do not have to worry about issues, when you try to cash a check on Chime. This is as long as you follow my instructions here. Having said that, here is how to go about mobile depositing a check on Chime.

How Check Deposit Work On Chime

You can deposit a paper check on Chime. All you have to do, is take a picture of your check on Chime and input the correct check amount before submitting it. I know this sounds easy and it actually is.

Here is how Chime mobile check deposit works.

Open the Chime app.
On the bottom of your app, tap Move Money.
Tap on Mobile Check Deposit.
You will be asked what kind of check you want to deposit. Select the appropriate one.
Enter the amount on the check.
Take two clear pictures of the check. One is the front and the back of the check. Be sure the back of the check is endorsed to avoid fund availability delay. Endorsing a check is what you write on the back of the check. It is usually your signature.
Review everything to make your input is correct and pictures are clear.
Tap Submit.

Once you submit it, the check is on its way of being processed. To reiterate, it is important to make sure everything is correct on the review step to avoid fund delay. Also, endorsing a check for Chime mobile deposit is important otherwise your check will not be deposited.

Although you can deposit a check on Chime, not everyone is eligible for depositing a check on the app. If you have used Cashapp before, it is like depositing a check on Cashapp. This is what you need to know about Chime mobile check deposit.

Who Is Eligible For Mobile Check Deposit On Chime

You can do a mobile check deposit with Chime as a member. Not just any member, but a member with the Chime direct deposit feature set up. This includes receiving a direct deposit of at least $1 from a payroll or your company.

On How To Deposit Money Into Chime Instantly, I showed a step by step approach to setting up direct deposit on Chime for free. You can read the article for an in depth understanding of the process. This is if you have not set up your Chime direct deposit already.

Besides being able to deposit a check on Chime app, there are benefits to setting up a direct deposit. This includes having your Chime direct deposits available earlier than most banks would have them. So, be sure to set it up to be eligible for mobile check deposit on Chime.

If it is too much of a hassle for you, you can check out these 8 Best Check Cashing Apps For Instant Cash. They will deposit your checks for free and make their funds available immediately. An account creation with them takes about a few minutes.

How Long It Takes Chime To Deposit A Chime

Chime mobile check deposit funds availability can be instant. So, what time does Chime mobile check deposit hit?

Usually, it takes Chime one to five business days to clear your check. Fund availability depends on whether there is an issue with the check you deposited. Otherwise, fund availability occurs within a day.

There is no Chime mobile check deposit cut off time, but issues with your check can affect check fund availability. Issues which could affect check fund availability on Chime include:

A check which is not endorsed.
Writing an incorrect amount when filling out the check deposit feature.
A large check. The bigger the check value, the longer it may take to process. A $1500 check deposits quicker than a $6000 check.
A blurred image of your check affects its processing time.
Deposit time can affect fund availability too. If you deposit on the weekends or holiday, Chime does not operate on the weekends or holiday. I mean the check will deposit, but the check processing time is on business days which are Monday through Friday.

Mostly, this is common sense. I recommend you follow the same procedure as depositing a check at your bank. Make sure you sign the back of the check, upload a clear picture of the check and review the amount you put on the app before submitting it. When you do these things, your check processing time will be short.

Chime Mobile Check Deposit Limit

How big of a check can Chime deposit, my good reader?

You can deposit a paper check on Chime of up to $2000 value. There is a maximum amount of $10,000 per month. To increase this amount, you have to deposit more than this amount through direct deposit to your Chime account every month. According to Chime, this does not guarantee it will increase your mobile check deposit limit.

Additionally, Chime mobile check deposit limit differs from member to member. To see your limit, follow these steps below on the Chime app.

Open your Chime app.
Tap on Settings.
Go to Account Info.
Tap the View Limits to see your limits.

What you see, is the maximum you can deposit through Chime mobile check features. If you have any questions pertaining to increasing the limit, you can call the customer service. It is available 24 hours and 7 days a week.

Why Chime Would Reject A Check

Chime will reject your mobile check deposit due to the following reasons below:

Firstly, your check is not endorsed. You did not sign on the back of the check.
Secondly, you tried to cash an expired check on Chime.
Thirdly, you deposited a traveler’s check, money orders or promissory note.
Finally, Chime will reject your check when your input is not the same as what is on the check. Or, the picture you took is either blurry or shows a check with creases hiding some vital information.

You will save yourself a lot of time and headache, when you deposit checks the right way on Chime. Or else, your fund availability may take up to five days to deposit. You and I know no hardworking working class adult has the kind of patience it takes to wait that long!

Am I right, my fellow working class adult?

On the whole, to deposit a check on Chime app requires you abide by its terms and conditions. This is following the steps outline here. Or even better, read the Chime Disclosures before you deposit a check with Chime through its mobile deposit features.