How To Set Up Chime Direct Deposit

Chime direct deposit is one of the ways to receive money on Chime. You can use Chime without setting up a direct deposit, but if you ever need it, it is easy to set up. This is because Chime is one of the most convenient mobile banks out there. As I have often mentioned, the bank is designed to make the life of the average working class adult easy.

Here is what I mean by this, my good reader.

You can set up Chime direct deposit without an employer. Some traditional banks may require you to have an employer to be able to get direct payroll deposits. If you are self-employed, you can set up a deposit directly into your account.

Before I discuss this, I would like to talk about direct deposit requirements at Chime.

Chime Direct Deposit Requirements

Setting up direct deposit with Chime requires you have an account, a routing number and employer’s information. Besides these, you must also have an active Chime account. For how to set up a Chime account, read the blue highlighted article.

Other requirements you should be aware of are:

You must be 18 years or older.
You need a Chime app on your phone.
The name on your account must match the name on the direct deposits.
Finally, you need your Chime card to be in good standing.

To find information about your account and routing numbers on Chime app, do the following below.

Login to your Chime app.
Go to Move money.
Tap Set up direct deposit.

Information about your account and routing numbers will be shown on the screen. You can give these information to your employer to set up payroll direct deposit on Chime. Having mentioned these, let us talk about the different ways to set up direct deposit on Chime bank.

How Do You Set Up Direct Deposit With Chime?

When you meet the requirements mentioned above, you can set up direct deposit with Chime through three following ways:

Completing a Chime direct deposit form to give your workplace.
Automatic set on the Chime app
Give just your routing and banking numbers to interested parties to set up a direct deposit at their ends.

Setting Up Direct Deposit For An Employer

To set up direct deposit on Chime app for an employer, here is what you need to do.

Login to Chime app.
Tap on Move money.
Tap Set up direct deposit.

You can just give the routing and account numbers shown to you to an employer. In a situation where your employer asks for a direct deposit form, Chime can email you a copy with all the information on it. Just tap on Get completed form to download the form. All you need to do is to print and take it to the HR at your job.

To set up direct deposit on Chime online for an employer, I recommend you do the following below:

Login on the Chime website.
Click on Settings.
Go to Account Info.

You can copy the information and give to your employer. Additionally, you can search for your employer on the Chime account to set up a direct deposit. You just tap on Tap Employer to find your employer. If you could not find it, then just do what I recommended earlier. You will be fine.

Setting Up Chime Direct Deposit For the Self Employed

If you are a gig economy player, Chime will need your Chime debit card to be active to set up a direct deposit. This is to allow deposit transactions on the card from a gig economy payer. To make sure your transactions are allowed on your Chime debit card, here is how to turn it on.

Login to your Chime app.
Tap Settings.
Tap Account Info.
Make sure the tab next to Allow Transaction is on, under the Checking section.

This is only for gig economy participants. By gig economy participants, I mean independent contractors or workers working freelance jobs, delivery jobs and such. You do not need your account and routing numbers to set up a direct deposit. As long as you have an active debit card which allows transactions, your deposits will be done automatically.

For benefit providers like government agencies, you only need to give your Chime account and routing numbers to them. These government agencies may include social security, US treasury department or welfare programs. If they ever ask for a void check to set up a chime direct deposit, here is what you need to do.

Login to Chime app.
Tap Move money.
You can tap on Get completed form for a direct deposit form to forward to these agencies.

To do this on the Chime website, follow these instructions below:

Click on Settings.
Go to Direct deposit setup.
Click on Get completed form to get the form.

To set up direct deposit on Chime without employer, requires knowing exactly where the deposit is coming from. This makes it easy for your deposit to arrive on time without issues. If you do the following stated above, there will not be an issue when it comes to getting your direct deposits on time.

What Counts As Direct Deposit With Chime?

Not every deposit counts as a direct deposit. This is especially, when the deposit amount is less than the required direct deposit amount on Chime. Here is what qualifies as a Chime direct deposit.

A direct deposit of $200 or more.
It has to come consistently from an employer, benefit provider or gig economy payer.

Lastly, all your Chime direct deposit must have the same name as the account name. This is one of the requirements, otherwise it will not work. Chime only allows direct deposits meant for account holders.

What Time Does Chime Direct Deposit Hit?

So, how long does it take Chime to verify a direct deposit?

Chime verifies and deposits your payroll deposits instantly. Your first direct deposit with Chime should not take long. Usually, there is no late deposit unless there is a late deposit from your employer, benefit provider or gig economy payer. Otherwise, Chime is known to release your direct deposits as soon as it gets them.

Here are other things to know about Chime direct deposit hit time.

What Time Does Chime Direct Deposit Hit On Wednesday?

On Wednesday, Chime direct deposit hits before 9am. This is because deposits happen between midnight and 9am. So, be on the lookout for it.

Similarly, Chime deposits on Fridays occur before 9am. Most times, you will receive it after midnight of the day before your payday. If a major holiday falls on your payday, your direct deposit will be processed the next business day.

Do not fret though. Chime will likely receive your direct deposit from your employer, benefit provider or gig economy payer a day or two prior to the holiday. You know, just like most traditional banks do.

What To Do When A Chime Direct Deposit Is Late?

If your Chime direct deposit is late, be sure to reach out to your employer to make sure it did its part. When the issues with Chime direct deposit is not from your employer, then reach out to the Chime support care. They will help you check what is going on.

Sometimes, problems with Chime direct deposit may stem from incorrect deposit information. You need to check to make sure your employer has the correct information. Or, make sure you set up your direct deposit the right way to avoid processing issues.

As long as you follow my instructions here, you will hardly have any Chime direct deposit delay. Unless it is caused by your employer, it may never happen. I am speaking from experience.

Does Chime Give A Bonus For Direct Deposit?

Chime offers a $100 bonus for a direct deposit set up. There are requirements you have to met in order to qualify. The requirements are listed below:

You never had an account prior to opening your first Chime checking account.
Activate your Chime debit card within 30 days of opening your account.
Your app is set up to notify you of the existence of this promotional offer. The offer will be sent out within 3 days of account setup, so be on the lookout for the offer.
Finally, you received a qualifying direct deposit within 30 days of account set up.

Now, what is considered a qualifying direct deposit?

A Chime qualifying direct deposit is $200 or more per month. Direct deposits of $200 or more qualifies you for SpotMe. You can set up Chime SpotMe feature to overdraft your account at ATMs, Cash back locations or during transactions.

To reiterate, Chime will give you $100 for setting up your direct deposit as long as you meet the above requirements. So, be sure to permit your Chime app to notify you of any updates or news to your account. That way, you do not miss out on this!

To conclude my article, a Chime direct deposit is easy to set up. You just need to know what you are setting it up for, so you can do it the right way. In case of questions, Chime customer care will always help you out.