Chime Essentials
Direct Deposit
Split your direct deposit across accounts

Split your direct deposit across accounts

Your direct deposit always arrives in your Chime Checking Account first. From there, Chime moves money to your other accounts based on the percentages or dollar amounts you set. You choose how it's divided — by percentage or a specific dollar amount — and Chime handles it automatically each time a deposit lands.


You can split your deposit across any combination of:

  • Chime Checking Account

  • Chime Savings Account, including individual Savings Goals

  • Credit Builder Account (legacy accounts only)


There's no minimum deposit amount. Whether your paycheck is large or small, your split settings apply the same way.

Outstanding balances come out first: If you have an open SpotMe balance, money from your direct deposit are first used to repay that balance before your split settings are applied. If you have an outstanding MyPay balance, repayment is deducted from your direct deposit after any SpotMe balance is repaid. Instant Loans follow their scheduled repayment terms and aren't automatically repaid from every direct deposit. 


Members with Chime Card: If you're enrolled in Chime Card, you can set aside a percentage or fixed dollar amount for your Savings Account, including Savings Goals. Any remaining money automatically moves from your Checking Account to your Secured Deposit Account (SDA).


Set up or update your split

  1. Tap Profile > Account details > Split your pay > Set up splits

  2. Set a percentage or fixed dollar amount for each account

  3. Save your settings. The split applies to your next direct deposit


You can update your split settings any time in the app. Changes take effect on your next direct deposit.


Moving money manually

If you prefer not to use split settings, you can always transfer money from Checking to Savings yourself. Tap Move > Transfer Money, then choose the account and amount.

Ready to set up? See: