What Time Does Chime Direct Deposit Hit?

Chime’s Direct deposits usually hit your account at 9:00 A.M EST. Read the complete article to learn more about direct deposits with Chime, especially the time it hits on each day of the week. You will also see the reasons why your direct deposit has not hit and how you can get it faster.


Chime is a mobile banking app with millions of users in the United States. This app stands out with a wide variety of features that it offers including the ChimeSpotMe, fast sending and receiving of money, and most especially early direct deposits.

As a new or existing Chime user, if you are one of those asking “What time does Chime Direct deposit hit?” then here is the answer that you have been looking for. I will show you when it hits on weekdays and weekends. Here, you will not only learn the time that the direct deposit hits your bank account but you will also be enlightened on the in and outs of direct deposits with Chime.

Does Chime Offer Direct Deposit?

Yes, Chime is one of the few financial institutions that offer direct deposits. And it will interest you to know that the institution has one of the fastest direct deposit processing you have ever seen. This is one of the reasons why everyone loves Chime.

It uses a process known as the ACH Same Day Settlement to process all direct deposits thereby making the customers receive their funds faster than they would have done with conventional banks. Now read the next paragraph to see the exact time that Chime Direct Deposit Hit.

What Time Does Chime Direct Deposit Hit?


Chime direct deposit hit your Chime account by 9:00 AM EST on your payday. As we mentioned above, the bank uses the ACH same Day Settlement technology to make sure that you get your payment the same day that it was sent. So if your employer deposits the payment early enough, you will get it in your Chime account by 9:00 AM of that same day.


What Time Does Chime Direct Deposit Hit On Wednesday?


Chime direct deposits hit at 9:00 AM EST on Wednesday. The same time applies to Monday, Tuesday, Thursday, and Friday except for holidays.

What Time Does Chime Direct Deposit Hit On Weekdays?


All direct deposits with Chime hit at 9:00 AM EST on weekdays. Any direct deposit that was sent before 8:00 AM on each day of the week is received at 9:00 AM. So from Monday to Friday, all direct deposits are processed, sent, and received at 9:00 AM.

What Time Does Chime Direct Deposit Hit On Holidays?


Similar to the weekends as explained above, Chime direct deposits are not processed on holidays. Hence there is no possibility of receiving funds in your account on that day. Banks and financial institutions are usually closed on national or public holidays and as such they will not process any transaction including direct deposits.

Therefore if a direct deposit was sent to your Chime account during the holiday, you should expect it to hit by 9:00 AM EST of the next working day. This goes for all public or national holidays such as Independence Day, Christmas Day, Martin Luther King’s Day, etc.

Why Has My Chime Direct Deposit Not Hit My Bank Account?


Chime direct deposit could be late sometimes and when such happens, you will not receive your direct deposit as expected. Here are some reasons for that.

  • Technical Error

If a technical error occurs with your employer’s payroll processing, there is most likely going to be a delay in the entire direct deposit. And this most times is the reason why your direct deposit has not hit your account.

  • It Was Sent On Holidays Or Weekends

As we noted above, direct deposits are not processed on holidays and weekends. Hence if they were sent on any of those days, they will not be received till the next business day.

  • Incorrect Receiver’s Details

In some cases, your employer might have entered your details wrongly while sending the deposits. In such cases, the transaction can not be processed successfully hence the delay.

  • This Is Your First Direct Deposit With Chime:

If you are sending or receiving a direct deposit with Chime for the first time, it could take a few days before it is processed.

  • Poor Internet Connection

This is also another contributing factor. You might be experiencing a delay because of a poor internet connection on your end or from the bank. If this is the case, all you have to do is wait for some time as it will arrive as soon as the connection gets better.

How Can I Track My Chime Direct Deposit?


Your Chime direct deposit can be tracked in the Chime mobile app. If your direct deposit has been initiated, it will reflect in the pending transaction section of your account. It will also show the amount on your paycheck and the expected arrival date. You will also get an email from the bank if it is initiated.

What Do I Do If My Chime Direct Deposit Is Late?


The first step to take is to contact the employer to make sure that the payment has been sent. Also, ensure to inquire and confirm the date on the payroll. You would also need to know the time that the deposit was made. If all of these are in place, the next step of action should be to contact Chime customer support for help.


How Do I Set Up Direct Deposits With Chime?


As a new user, download the Chime mobile app, sign up, and create an account. Navigate and click on the direct deposit icon. Now enter your employer’s information as well as your Chime account and routing number as you will be prompted. Existing users are to log in to their accounts, click on direct deposits and follow the prompts to enter their employer’s details as well as routing and account number.

What Time Does Chime Direct Deposit Hit On Weekends?


Like other banks and financial institutions, Chime does not process direct deposits on weekends. So, there are no payouts or deposits on Saturdays or Sundays hence your direct deposit will not hit your bank account on those days.

It will be processed on the next working or business day. So if you have a direct deposit that was made on a Saturday or Sunday, you should be expecting it to hit your account by 9:00 AM on Monday if it is not a holiday.

What Time Does Chime Direct Deposit Hit 2 Days Early?

Chime direct deposits can hit up to 2 days early. For example, if your payday is on Friday, your paycheck could hit your Chime account as early as Wednesday. Chime deposits typically hit your account within minutes of being processed, so you can expect your paycheck to be available in your account by 9:00 AM EST on Wednesday at the latest.

What Time Does Chime Direct Deposit Hit On Thursday?

Chime direct deposits typically hit your account within minutes of being processed, so you can expect your paycheck to be available in your account by 9:00 AM EST on Thursday at the latest.


Now that you have seen the time that Chime Direct Deposit hit your account on all days of the week. And you have also seen the factors that could lead to a delay as well as how it can be resolved. I hope you will no longer have a reason to worry about your direct deposits.