Get paid early and qualifying direct deposits

If your deposit doesn't arrive two  days early, it should still land on or before your scheduled pay date. Common reasons early availability doesn't happen on a given cycle:

• Your payer submitted the payment file on the scheduled pay date rather than in advance

• The deposit amount or account details changed

• A bank holiday shifted your payer's submission schedule

• A payroll system issue occurred on your employer's end

• It's your first deposit cycle with Chime

Chime Plus. You're automatically upgraded to Chime Plus when you receive a single qualifying direct deposit of $200 or more, or $400 or more in cumulative qualifying deposits within the last 34 days. Chime Plus includes a higher savings APY, priority support, and more. For more information on eligibility, view What is Chime Plus? in our Help Center.

Chime Prime. You're automatically upgraded to Chime Prime when you receive $3,000 or more in total qualifying deposits within the last 34 days. Chime Prime includes the best savings APY, priority support, exclusive travel perks, and more. For more information on eligibility, view What is Chime Prime? In our Help Center. 

What counts as a qualifying direct deposit

A qualifying direct deposit is a deposit by an Automated Clearing House) deposit or Original Credit Transaction (OCT) sent from one of the following:

• An employer or payroll provider

• A gig economy platform, via a recurring scheduled ACH or OCT payout

• A government benefits provider — such as Social Security, SSDI, SSI, VA, or state unemployment

These transactions are not qualifying direct deposits:

• Bank ACH transfers

• Pay Anyone transfers

• Verification or trial deposits from banks

• Transfers from third-party apps like PayPal, Venmo, or Cash App

• Mobile check deposits

• Cash deposits

• One-time deposits, including tax refunds

• On-demand payouts from gig platforms (like Uber Instant Pay or DoorDash Fast Pay) typically arrive within minutes, not on a scheduled payout 

To set up direct deposit, see:

• How do I set up direct deposit for employers and payroll providers?

• How do I set up direct deposit for gig economy payers?

• How do I set up direct deposit for US Treasury deposits or government benefit providers?

• Set up direct deposit for government benefits