To deposit a check into your Chime account, you can use the Mobile Check Deposit feature available in the Chime app. Here’s how to do it:
1. Open the Chime app:
- Download and open the Chime mobile app on your smartphone.
2. Navigate to Check Deposit:
- Once you’re logged into your Chime account, tap on the “Move Money” section in the app.
- Select “Mobile Check Deposit”.
3. Prepare your check:
- Make sure your check is signed on the back (endorsed) by you, as you’ll need to sign it to deposit.
- The check should be made out to you, and the amount should be clearly written.
4. Take Photos of the Check:
- The app will prompt you to take pictures of the front and back of the check.
- Front: Place the check on a flat surface and make sure it’s fully visible in the camera frame. The app will automatically capture the image.
- Back: Flip the check over and endorse it (sign your name) before capturing the back image.
5. Enter Deposit Amount:
- The app will automatically detect the check amount in most cases, but you can manually enter it if necessary.
6. Review and Submit:
- After uploading the check images, double-check everything to ensure it’s correct.
- Confirm the details and submit the deposit.
7. Confirmation:
- You will receive a confirmation message that your deposit has been submitted. You’ll also get an email or in-app notification once the deposit is processed.
- Keep in mind that deposits may take 1-2 business days to process, depending on the time of deposit.
Things to Keep in Mind:
- Deposit Limits: Chime has limits for mobile check deposits, which vary by account. Check Chime’s specific terms for details.
- Check Eligibility: Only certain types of checks can be deposited, such as payroll or government checks.
- Funds Availability: Chime typically makes a portion of your deposit available immediately, but the full amount may take a few business days.
That’s it! Your check will be deposited into your Chime account, and you’ll receive a confirmation once the process is complete.