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, transfer funds from the Cash App to Chime, 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 checks from outside parties?
Short answer: Yes, Chime will accept checks from third parties as long as they are payable to you. Customers must actively utilize their Chime account as their primary bank in order to deposit a mobile check.
Your queries about the Chime photo check deposit, mobile check deposit, and other account-related inquiries will be addressed by our guide.
Does Chime Take Third-Party Checks?
Contents
- Does Chime Take Third-Party Checks?
- Does Chime Make Mobile Check Deposits?
- How do you Qualify for the Mobile Check Deposit feature?
- How to Deposit a Check into Chime?
- How Long Does Chime Take to Deposit a Mobile Check?
- Is Chime Mobile Check Deposit Instant?
- Where Can I Deposit a Check for Chime?
- Does Chime Accept 3rd Party Checks Summary
Unauthorized check deposits are permitted in Chime accounts. To deposit the check into 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 Direct payroll deposits arrive in 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.
Any bank cheque from a third party can be deposited into your account. You can easily upload a picture of a legitimate check using the Chime Mobile Check Deposit function and wait for the Chime verification team to confirm it.
Always make sure the check details are accurate and properly captured in the photo. Checks that are poorly scanned and submitted may be rejected if the photographs are fuzzy or the lighting is bad.
See our guide on places nearby where I can cash a third-party check.
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.
By implementing security measures and regulating behavior, it aids Chime in reducing fraud.
How do you Qualify for the Mobile Check Deposit feature?
You must first make a minimum direct deposit in order to be eligible for the mobile check deposit feature. Your history with Chime-branded accounts, the size of your most recent direct deposit, any prior direct deposits, and other internal risk factors all play a role in determining whether you qualify for mobile check depositing.
When a member of Chime receives at least one direct deposit totaling at least $1 in any of the following ways, for instance, they are eligible to use mobile check deposit.:
- Government benefits
- A business or payroll service provider
- Gig economy payer through automated clearing house (ACH) transaction or Original Credit Transaction (OCT). Examples of gig worker jobs include Grubhub, car advertising, distributing automobiles nationwide, Amazon package deliveries, pilot car driver, and more.
When you receive a qualifying direct deposit, the Mobile Check Deposit feature in the Chime app will become active. You might or might not be granted access to the feature depending on further risk-based variables.
See our guide on the Name and location of the fintech bank for direct deposits.
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 individual check to be cashed, you simply scan the image in the banking app. The funds will be transferred to your account after Chime verifies the check.
You must first be qualified to deposit Chime checks, though. For instance, begin by having your employer or payroll deposit at least $200 into your account.
In order to deposit a mobile check into your Chime account after activation, follow these steps:
- Open the Chime app available on and .
- Pick Move Money from the menu.
- Choose Add Funds from the Transfer Money menu.
- When the camera icon appears, select Mobile Check Deposit.
- Choose the transaction type from the available options.
- Input the check’s amount that needs to be scanned.
- Validate your check by signing the back or adding detailed instructions for the Chime verification team to review.
- As directed by the app, clearly scan the check images.
- 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: Don’t throw away the check until the money has successfully been deposited into 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 threshold 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 ACH transfer and clearing procedures.
When the money has cleared and is available for use, you can opt to receive notifications via Chime about that transaction.
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 Sunday hours for banks, On Saturday, banks are open., and late at night to make in-person deposits and services of notaries by appointment.
Does Chime Accept 3rd Party Checks Summary
With the Chime Mobile Check Deposit function in the app, Chime does accept third-party checks. However, in order to deposit the checks into your Chime Checking Account, they must be made payable to you. Chime will not accept a check that is written in your name but is made out to Cash.
If Chime is your primary banking account, you’ll be able to use the app’s Mobile Check Deposit feature. Around 9,000 merchants across the country still accept cash deposits into Chime accounts.
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 locations where I can load my Cash App Card.
