How long does it take for money to post to my Chime Checking Account?

Most transfers and check deposits typically post within five business days. It depends on the source of the money.

Direct deposit

Direct deposits from your employer or benefits provider post as soon as Chime receives them. If you have questions about the timing of your direct deposit, please contact your employer or benefits provider.

Transfers from external accounts

Bank transfer initiated through the Chime mobile app or website

Transfers from linked external accounts can take up to five business days from the date the transfer was initiated.

Bank transfers initiated from an external account

Transfers from non-Chime accounts typically post within three business days from the date the transfer was initiated by the originating bank. Refer to the originating bank for more information on their transfer time frames.

Debit transactions

Deposits through your debit card (e.g., funds from money transfer apps, etc.) typically post within minutes of a successful transaction.

Cash deposit at a retail location

Cash deposits typically post within two hours of a successful transaction.

Mobile check deposits

Checks may take up to five business days to post after they’ve been accepted.

Please keep in mind that sometimes deposits may be delayed depending on the time of day they’re submitted and in the case of federal holidays (refer to How does Chime handle federal and bank holidays and weekends?)