Are you wondering if Chime accepts check deposits?
Are you looking for a guide to deposit check with Chime?
Well, if you nodded, you can stop your search now. As here, we will be providing you with a step-by-step guide to deposit check with Chime.
And along with that, you will get to know more details about the procedure.
So, if you are ready, let’s jump right into the details.
Can you deposit checks with Chime
Yes, you can deposit checks with Chime. You just need to submit a scanned image of a valid check. After verifying the check, Chime will transfer the funds to your account. But, to be able to deposit checks on Chime, you need to be eligible. If you have received a minimum of $200 Payroll direct deposit in the Chime account, you are already eligible. Cheers!
Chime is one of the popular neo banks in the USA, which offers a lot of additional features to the users. For eligible users, Chime also lets user overdraft up to $200 with the SpotMe feature.
One can also get a credit builder card, which helps the users increase their credit card score by reporting timely payments to the concerned credit unions in the USA.
The ability to deposit checks online with Chime is one of the many features introduced to make banking easier for users. Unlike conventional ways to deposit a check in the bank, you do not have to present your check and report to a bank physically.
Chime mobile check deposit feature let you add a soft copy of the check. And after verification of the check, the funds are approved for the transfer.
Now that you know all about the Chime mobile check deposit feature, you might want to follow the guide we included below to start submitting a check copy. If you are ready, proceed with the next part of this guide.
ALSO READ: Why did Chime deny me? What should I do?
How to deposit a check with Chime
To deposit a check with Chime mobile check deposit feature, you will need to upload a clear photo of a valid check with detailed clearly written. And after the verification, you will be able to get the funds transferred to your bank account.
If you are ready, we are ready.
Follow the easy to implement steps included below. We have tried our best to keep things easy.
Step 1 – Open Chime app
To begin with, open the Chime app on your mobile device. You can proceed with any mobile device, be it Android or iOS.
The steps included will be the same for both devices.
Step 2 – Select ‘Move Money’ icon
After opening the app, you will find yourself on the home page of the Chime app. And there, at the bottom part of the app, you will see the Move Money option.
The icon has two-arrows facing opposite directions. Find it on the immediate left of the Home icon of the Chime app.
Step 3 – Select ‘Add Funds’ option
On selecting the Move Money tab, you will find some more options.
There, you need to select ‘Adds Funds’.
Step 4 – Tap on ‘Mobile Check Deposit’
And finally, select the Chime Mobile Check Deposit option. It is the one having a camera icon.
This will initiate the Chime Mobile Check Deposit procedure.
Still, there is much more to the left; proceed with the next step.
Step 5 – Choose the Account Type
The first thing that you will be asked for is the account type. You need to let Chime know the account type in which you want the funds shared. (checking or savings)
Step 6 – Enter the amount
Finally, you will asked about the amount. Enter the exact amount that is written on the check.
Step 7 – Self attest the check
After entering the amount, you will have to sign at the back of your check. It is a method of self-attesting the check.
You are also required to write a phrase – “for mobile deposit” or “for remote deposit capture” below your signature. This is a method of attesting and helps Chime concerned team in verifying the check.
Step 8 – Capture check images
And now, finally, capture clear images of your check from both sides. Make sure you are capturing the photos in a bright room. The details in the check must be visible very clearly.
If Chime finds it hard to read the details mentioned, the verification might get delayed, or worse, rejected.
So, take the utmost care while capturing the images. Use a phone having a good camera. Unclear and blurry images of the check gets rejected by the team without a second thought.
Step 9 – Upload the images of check
And after capturing the images, you must review them for the last time for any kind of issues. You can capture photos again if you want.
Upload them whenever you are ready.
And that’s it.
You just have to wait for the verification now. You will be notified with an email of in-app notification pop-ups.
Attention: Do not throw away your check! Until the bank clears your check and you receive the funds in your bank, keep the check with you. Sometimes, Check asks for more details of the check for verification, another photo or a video.
MUST READ: How to check Chime balance & Chime card balance
Does Chime accept third party checks
Yes, Chime accepts third party checks. You can deposit a check from any bank. You just need to submit photos of a valid check and wait for the verification confirmation from the Chime team.
Make sure to enter correct and officially recognized details in the check. Unclear or blurry photos might get rejected, so capture a clear photo in a well-lit room.
How long does Chime take to deposit a check
A lot of users ask about the Chime mobile check deposit time. Well, Chime takes around 24 hours to deposit a check. And it doesn’t matter if the check is a third party check. You will need to wait at most 24 hours to see your funds deposited in the bank.
Sometimes, checks deposited on weekends or national holidays might take extra time to get verified and deposited.
And before you ask, let us tell you that Chime takes around a couple of hours to verify the check. So, if your check is rejected, you will be notified by the Chime team.
RELATED: How to check Chime Pending Deposits (2021)
Chime bank mobile check deposit FAQs
1. Can I deposit a check into my Chime account?
Yes, you can deposit a check in a Chime account using the Chime mobile check deposit feature. And the best part is you don’t have to be present physically to deposit a check. Everything can be done online by uploading scanned images of the check-in Chime app.
2. How to deposit a check with Chime?
To deposit a check with Chime, you need to open the Chime app and find the ‘Add Funds’ option. After that, select the Mobile Check Deposit feature. You will be asked to enter details and amount and the scanned images of the check from both sides. And that’s it.
3. Is Chime mobile check deposit instant?
No, Chime mobile check deposit is not instant. According to the official statement by Chime, the funds from the deposited check takes almost 24 hours to reflect in the recipient’s account. The statement goes without mentioning that funds are not processed on weekends and other national holidays.
Ladies and gentlemen, let us conclude this article right here.
In the first part of this post, we mentioned if it is possible to deposit a check on Chime.
Whereas, in the second part, we provided a detailed guide on – how to deposit a check with Chime.
Hope you got what you were looking for.
Ankit Kumar is an Engineer by profession and a blogger by passion. Over the last several years, he has written tons of articles, solving queries on Quora. He also has years of experience in investing in Cryptocurrencies, Funds, and Stocks.