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1. Chime Mobile Deposits
2. Chime Bank Deposit Paper Check
3. Chime Mobile Deposit Limit

Get paid up to 2 days early with direct deposit.¹ Say goodbye to hidden bank fees². Grow your savings, automatically.

With the early direct deposit feature, your direct deposit will be posted to your Chime Spending Account as soon as it is received from your employer or payer. If you have questions about the timing of your.

• Didn’t believe other posts about delayed deposits. Thought it was just a employer/payroll delay issue. For 3 years chime has always been on point. But chime is definitely fucking up. Have my check split in 2 accounts. Always have gotten chime deposit.
• Ask the cashier to make a deposit directly to your Chime Spending Account. You can make up to 3 deposits every 24 hours. You can add up to $1,000.00 every 24 hours for a maximum of $10,000.00 every month. Third-party money transfer services that are used to add funds to your Chime Spending.

Learn how we collect and use your information by visiting our Privacy Policy›

Frequently Asked Questions

The Basics

At Chime, we’ve created a new approach to online banking that doesn’t rely on fees, gets you your paycheck up to 2 days early with direct deposit,¹ and helps you grow your savings automatically. When you open a bank account through Chime, you get a Visa Debit Card® and a Spending Account that can be managed entirely from your smartphone, plus an optional Savings Account that helps you grow your savings automatically! The Chime mobile banking app is available on both Android and iOS.

Chime is a financial technology company. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

Our mission is to make financial peace of mind a reality for everyone. We’re doing that by changing the way people feel about banking. Chime’s business was built on the principle of protecting our members and making managing your money easy. We’ll never profit from your misfortune or mistakes and everything we build is focused on improving our member’s lives.

Unlike traditional banks that may charge consumers fees left, right, and center, Chime makes money from “interchange.” Every time you use your Chime Debit Card, Visa processes the transaction and charges an interchange fee for the service. We get a percentage of that interchange fee every time you use your Chime Debit Card, which means we never have to charge you those unnecessary fees to run our business. It’s a win-win for everyone!

U.S. Citizens 18 years and older are welcome to apply! While Chime cards work all over the world, currently we can only offer accounts to members with a valid SSN, living in the United States and District of Columbia.

We don’t believe in unnecessary fees or profiting from our members’ misfortune. We have no fees to sign up, no overdraft, no monthly or service fees, no minimum balance fees, no transaction fees, and no card replacement fees either. We do charge one fee ($2.50) when you get cash from either an over the counter withdrawal, or an out-of-network ATM that is not part of Chime’s fee-free network of 38,000+ ATMs.

Please note that third-party money transfer services used to deposit or withdraw funds to your Chime Spending Account may impose their own fees per transaction.

Yes! Chime’s SpotMe feature lets you make debit card purchases that overdraw your account with no overdraft fees. Limits start at $20 and can be increased up to $100.³ We’ll spot you when you need that little extra cushion to cover an expense. Learn more here!

When you open a Chime Spending Account you get a Chime Debit Card that can be used at any merchant that accepts Visa. Your Chime Debit Card can also be used with mobile-payment providers such as Apple PayTM, Google PayTM or Samsung PayTM. Other features our members love about our Chime Visa Debit Card are instant transaction notifications anytime your card is swiped, the ability to instantly block your card and order a replacement Debit Card all from within the Chime mobile app.

The Chime Credit Builder Visa® Credit Card is our no fee, no interest, secured credit card that helps you build your credit. Unlike traditional credit cards, Credit Builder helps you build credit with no fees and no interest. There’s also no credit check to apply. The money you move into Credit Builder’s secured account is the amount you can spend on the card. Unlike other secured credit cards, that money can be used to pay off your monthly balances. Since Credit Builder doesn’t have a pre-set limit, spending up to the amount you added won’t contribute to a high-utilization record on your credit history. Learn more about how Credit Builder works.

After you open a Spending Account, we get started on personalizing your new Chime Visa Debit Card. Your Chime Visa Debit Card is usually placed in the mail within one (1) business day after you open your Spending Account. It can take 5 to 10 business days for your Chime Visa Debit Card to arrive at your home address.

If you don’t have your Chime Visa Debit Card within 10 business days after opening your Spending Account, please contact our Member Services team at: support@chime.com

Getting Started

Direct deposit is the easiest way to add funds to your account. Enrolling in direct deposit with Chime has an added benefit too: you are automatically eligible to receive your paycheck up to 2 days early!**

We also support mobile check deposit and electronic transfers from other institutions by linking an external bank account and in the Chime mobile app.

Cash deposits can also be made to your Chime Account at over 90,000 retail locations such as Walgreens, CVS and 7-Eleven using the Green Dot® Network.

You can use our Pay Friends feature to send money to Chime members instantly, and free! To use the Pay Friends feature, simply log into your Chime mobile app and select the ‘Move Money’ tab, then select ‘Pay Friends’. You will then be prompted to enter in either the receiver’s name, phone number or email, or you can select them from your contacts.

We have a network of 38,000+ fee-free ATMs for Chime members through MoneyPass® or Visa® Plus Alliance. To find a fee-free ATM near you, download the Chime mobile app and tap on ATM map. You can also search our ATM network.

Although fewer checks are being written these days, we understand that some bills like rent, credit cards, student loans, and other payments sometimes require you to pay with a check.

To assist our members in these situations, we offer the Chime Checkbook feature!

Chime will determine if you are eligible for the Mobile Check Deposit feature based on the history of any Chime-branded accounts you have, direct deposit history, and direct deposit amounts and other risk-based factors.

Chime offers mobile check deposit to members who receive payroll direct deposits over $200 a month. Thirty days after you receive your payroll direct deposit, mobile check depositing will be automatically enabled in your Chime app!

You can set up direct debit payments with billers who offer this option by providing your account and routing number to the merchant.

Direct debits are immediately removed from your Spending Account when requested by a biller and do not place any hold on your funds. If your balance is not sufficient to cover the payment, it will be declined. There are no limits or fees associated with direct debits.

We currently offer a referral bonus every time you refer someone new to Chime using your referral link, and they receive a single qualifying direct deposit of $200 or more! Your friend must enroll and complete a single direct deposit of $200.00 or more from their payroll provider within 45 days of opening their new account. If the terms are complete, both you and your friend will get $50 each! You can find the link for inviting everyone you know in your Chime app!

You can also copy-and-paste your invite link and share on Facebook, Instagram, or Twitter.

Also, keep an eye on Chime on our Instagram, Facebook, Twitter, and Youtube to hear about new offers!

Referral Incentives

Occasionally, we’ll offer incentives to invite your friends to join Chime. We’ll notify you through email or in the Chime mobile app when a referral offer is available.

Our Member Services team is always happy to help! You can reach us 24/7 via the customer support tab in the Chime app, or by email at support@chime.com.

Our phone specialists are available through our customer service number at 844-244-6363. Our hours of operations are:

• Monday-Friday: 6am-10pm CST
• Saturday – Sunday: 7am-9pm CST

Security

Our top priority is protecting our members. We use 128-bit AES encryption, access control, and security processes to ensure your money is always safe with Chime. If you notice an unauthorized transaction, you can disable transactions on your Chime card immediately in the settings section of the Chime app and website to prevent further unauthorized card transactions.

Chime bank accounts are insured up to the standard maximum deposit insurance amount of $250,000 through our partners, The Bancorp Bank or Stride Bank, N.A., Members FDIC.

You can use your Chime Debit Card anywhere Visa cards are accepted, including outside the U.S. and with no foreign transaction fees! International transactions can be enabled or disabled in the settings menu found in the Chime mobile banking app.

If you do not recognize a transaction in your Spending or Savings Account,we ask that you temporarily block your card:

1. Use the Chime mobile app or by log in to your account at www.chime.com.
2. Go to Settings and turn off Chime Card Transactions.
   This feature immediately prevents new purchases and ATM transactions on your Chime Visa Debit Card account.
3. Contact us immediately in one of several ways:

• Call us at 1-844-244-6363
• Use the Chime mobile app to contact our support team
• Email support@chime.com

Chime is a full-featured deposit account. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers through the Automated Clearing House (ACH) Network.

Chime gives you:

• A Chime Visa® Debit Card
• An FDIC-insured deposit account that can be managed entirely from your smartphone
• An optional Savings Account that helps you save money without thinking about it

Chime bank accounts are insured up to the standard maximum deposit insurance amount of $250,000 through our partners, The Bancorp Bank or Stride Bank, N.A., Members FDIC.

You can check out our privacy practices, Account Agreement, and all the legal information pertaining to your account here: Privacy Policies

Learn how we collect and use your information by visiting our Privacy Policy›

Learn how to perform a mobile check deposit at the many places that allow for such deposits.

First, we define what mobile check deposit or loading entails before outlining the specific steps on how to carry out the process.

You will also learn more about fake check deposits, fraud, and penalties for handling fake checks.

Contents

• How do mobile check deposits work?
• Mobile deposit fake check – Fraud & Penalties
• FAQ on Mobile Check Deposit

What is a mobile check deposit?

The mobile check deposit is a smart feature that enables people to easily and conveniently deposit their checks from their geographical locations.

You do not have to travel long distances to an ATM or bank branch to receive these services. However, for one to do that, he or she must have either a tablet or a smartphone with an app of their preferred bank.

How do mobile check deposits work?

The process of depositing your checks using this feature is as simple as taking a selfie using your phone.

A picture displays all the physical traits of a given object, and therefore, enabling the bank apps software to process the checks, once the images have been uploaded.

All you have to do is capture the back and front of your check. The picture of the check has to show both the front and back features for it to be processed effectively.

It is also one of the approaches to confirming that indeed the check is yours.

An individual may secretly take a picture of other people’s checks and upload only one side; so, if one side is acceptable, it will facilitate the theft of checks.

After you have uploaded the image of your check, you are expected to select the bank account where to deposit, enter the amount, and approve the details.

The amount entered has to match what is written on the check. For instance, if it is $3,000.00 on the check, the keyed-in figure must be $3,000.00.

Before, submitting the check for processing, you are required to confirm the details. Affirmation of the details assists in the elimination of the possible errors, which could delay the process of depositing your check.

It also removes the possibility of having the money deposited in the wrong bank account.

Lastly, after completing the above steps and have submitted the check, you will receive a notification informing you whether or not your check has been deposited.

If the check is rejected, you will be given a chance to review and repeat the steps above to deposit your check.

However, if the check is rejected completely, kindly contact the customer care of your bank for further details and assistance regarding their mobile check deposit services.

How does a mobile check deposit work at Bank of America?

For you to enjoy the banking services through your smartphone or tablet, you need to download the Bank of America app. You can get the app through this link here.

After downloading the app, you should install and register by opening the app. Once you have done that, you can deposit the check by taking the front and back of your check, enter the account and then tap ‘make a deposit.’

How does mobile check deposit work Wells Fargo?

As their customer, sign on to your Wells Fargo Mobile application, then upload the front and back of your check, enter the amount you want to deposit as written on the check, and submit for processing.

How does mobile cheque deposit work at RBC?

The RBC Mobile app is available at the App Store and Google Play, or one can send a text “RBC” to 722722 and the bank will send you the link.

Once you have the app, all you need to do is sign the front and the back of your check, take images, upload, and submit the correct detail for processing.

How does Chime’s mobile check deposit work?

The Chime application is available for Android and iPhone smartphone users. Once you have installed the app on your phone, you can deposit checks from any part of the world.

However, you must ensure the check pictures and details are correct and clear to prevent the cancellation of the check.

How does the PNC mobile check deposit work?

At PNC, clients are allowed to deposit checks through their smartphones. The customer care team is always accessible to guide clients on how to do it.

However, the process is simple, as one is only required to send the picture of their correctly filled checks for processing.

How does Citibank’s mobile check deposit work?

Customers using the Citibank app are expected to only key in the details of their check as it appears in the images of their checks and submits them for processing.

The process takes less than 30 minutes before the check is fully processed and confirmed.

Chime Mobile Deposits

How does Fidelity mobile check deposit work?

On the Fidelity mobile app, you are required to tap the ‘deposit checks’ option and follow the steps to successfully deposit your check from your locality without having to visit the bank.

However, if the pictures of your uploaded checks are not clear, the process may be canceled.

Mobile deposit fake check – Fraud & Penalties

Counterfeit checks are usually rejected instantly after confirmation. Individuals can engage in these illegal activities by stealing checkbooks and making fake stamps.

In other instances, individuals can steal checks and attempt to deposit them through mobile apps, and giving false information, hoping the process will be successful.

Individuals who are found engaging in fake check businesses can be imprisoned or fined heavily, depending on the state laws of a particular country.

In other states, the suspects can both be fined and jailed when found guilty of dealing with fake checks.

I deposited a fake Check into my Account (or an ATM)!

Attempting to deposit a fake check into your ATM or account will raise integrity questions about your business and your account may be blacklisted or closed indefinitely until the investigation concerning the matter is complete.

Penalty for Depositing Fake Check

Individuals who are found engaging in fake check businesses can be imprisoned or fined heavily, depending on the state laws of a particular country.

In other states, the suspects can both be fined and jailed when found guilty of dealing with fake checks.

FAQ on Mobile Check Deposit

The following are the questions that are mostly asked across the various platforms about mobile check deposit

Can I deposit a Scanned check?

Yes, you can deposit such a check, but not all banks allow it. So, confirm with your bank by contacting them through their customer care service number.

How does remote deposit capture work?

The remote deposit allows you to snap or scan the image of your checks instead of moving the physical checks around. It happens through an encrypted internet connection to avoid the loss of sensitive information and checks.

Can you go to Jail for depositing a Fake Check?

Yes, you can be jailed as long as it is proven that you intentionally deposited the fake check. Therefore, you need to be careful when depositing checks.

Chime Bank Deposit Paper Check

References on Mobile Check Deposit

• 1: What is Mobile Check Deposit?
• 2: Mobile Banking App for iPhone and Android
• 3: What is Remote Deposit Capture?

Chime Mobile Deposit Limit

READ: Mobile check deposit availability at Chase ATM