Does Chime Accept Third-Party Checks? (Ultimate Guide)

Chime is a popular online-only financial institution in the US, with over eight million customers. Although it doesn’t operate as a traditional bank, still covers your account to keep your money safe and secure.

Aside from digital banking, the Chime financial platform also offers access to various features, including budgeting tools, goal-tracking tools, Money can be transferred from Chime to the Cash App., and more. As a result, Chime has dominated the steadily growing online banking industry, which has already opened in the US. 

So, does Chime accept cheques from third parties?

Short answer: Yes, Chime accepts third-party cheques as long as they are made payable to you. It’s worth noting that clients can only deposit a mobile check if they use their Chime account as their primary bank.

Our guide will answer any questions you have concerning the Chime photo check deposit, mobile check deposit, or other account-related issues.

Does Chime Take Third-Party Checks?

Yes, you can deposit a check into your Chime account from someone else. To deposit in your Chime checking account, the check must be made payable to you.

A third-party check made out to cash, a business or anyone else will not be accepted. However, you must first receive at least $200 in Payroll direct deposits are deposited into your account.. Once you’ve deposited at least $200 in payroll deposits, then you’ll be able to use the Chime check deposit feature within 30 days.

A third-party check from any bank can be deposited into your account. You may simply upload a photo of a legitimate check and wait for the Chime verification team to accept it using the Chime Mobile Check Deposit function.

Always double-check that the check details are correct and well-documented. Due to poor lighting or blurry images, checks that have been scanned and uploaded incorrectly may be rejected.

See our guide on Nearby locations to cash a third-party cheque.

Does Chime Make Mobile Check Deposits?

Yes, Chime accepts mobile check deposits, but only under strict guidelines. You can only use the Chime Mobile Check Deposit feature if you’re actively using it as your primary bank account. In other words, you must have an active direct deposit coming in and actively using your credit card.

It aids Chime in reducing fraud by implementing security measures and setting activity limits.

How do you Qualify for the Mobile Check Deposit feature? 

You must first make a minimum direct deposit to be eligible for the mobile check deposit option. Your Chime-branded account history, direct deposit amounts, past direct deposits, and other internal risk criteria determine your eligibility for mobile check depositing.

Chime, for example, allows its customers to use mobile check deposit if they receive at least one $1 direct deposit from one of the following sources:

When you receive a eligible direct deposit, the Chime app will activate the Mobile Check Deposit feature. Additional risk-related considerations may influence whether or not you are granted access to the function.

See our guide on the For direct deposits, chime the fintech bank’s name and address.

How to Deposit a Check into Chime?

You can deposit checks via the Chime app once the mobile check deposit feature is activated. To deposit a valid business or cashing a personal check, you simply scan the image in the banking app. The funds will be transferred to your account after Chime verifies the check.

You must, however, be eligible to deposit Chime checks first. Start by having at least $200 put directly into your account from your company or through payroll.

To deposit a mobile check into your Chime account once it’s been activated, follow these steps:

  1. Open the Chime app available on and . 
  2. Choose Move Money from the drop-down menu.
  3. In the Transfer Money option, select Add Funds.
  4. Using the camera icon, select Mobile Check Deposit.
  5. Choose a transaction type from the drop-down menu.
  6. Insert the amount written on the scanned check.
  7. Endorse your check on the back or write specific instructions for the Chime verification team to look over.
  8. As directed by the app, scan the check images clearly.
  9. Upload the scanned images and wait for the check-cashing verification. 

Blurry, dark, or unclear scanned check images may result in a delay or rejection from the Chime verification team. However, if Chime denies you, then rescan and try again.

Keep in mind that the check should not be thrown away until the funds have been successfully deposited to your account.

Chime lets you deposit three times every 24 hours for a maximum of $1,000 and up to $10,000 every month. However, the Direct deposit cap chimes allows a maximum of $10,000 per day and up to $25,000 per calendar month.

How Long Does Chime Take to Deposit a Mobile Check?

It takes Chime one day to deposit a mobile check in many cases. However, some large checks or personal checks can take up to three to five business days to clear the funds. It can take longer because other banks are involved, and smaller banks can have a slower Process of clearing and ACH transfer.

You can turn on Chime transaction alerts to be notified when your funds have cleared and are ready to be used.

Is Chime Mobile Check Deposit Instant?

Yes, the Chime Mobile Check Deposit is instant. However, the ACH money transfer takes up to three to five business days, excluding federal holidays, for the funds to clear.  

Where Can I Deposit a Check for Chime?

The Chime app is the only way to deposit a check using the Chime Mobile Check Deposit feature. The app can be at the Apple App Store or Google Play Store. Chime does not accept deposits from ATMs. 

On the upside, there are over 9,000 places where you can deposit cash for Chime. For example, Walmart, 7-Eleven, Walgreens, CVS, Rite Aid, Dollar General, and Family Dollar are the retailers accepting cash deposits.

See our guides on On Sunday, banks are open., On Saturday, banks are open., and late at night to make in-person deposits and Appointment-only notary services.

Does Chime Accept 3rd Party Checks Summary

The Chime Mobile Check Deposit feature in the app accepts third-party checks. To be deposited into your Chime Checking Account, the checks must be written payable to you. Chime will reject a check made out to cash or not in your name.

If you use Chime as your primary banking account, you’ll be able to use the app’s Mobile Check Deposit feature. You can still deposit cash in your Chime account at over 9,000 retail locations across the United States.

The cheapest places to load your Chime Card include 711, Duane Reade, Dollar General, Family Dollar, CVS, Holiday Station Stores, Speedway, Rite Aid, Pilot Flying J, Walgreens, and Walmart.

See our guide on Where can I get my Cash App Card loaded?.

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