Chime direct deposit typically hits your account as soon as Chime receives the payment file from your employer or benefits provider. This can be up to two days before your scheduled payday. The exact timing varies based on when your employer processes payroll and submits the payment and can happen at any time of the day or night Monday through Friday. Many users report seeing deposits arrive from late the evening before to early morning on the scheduled payday, but there is no guaranteed set time. Bank holidays or delays in payroll processing can affect this timing as well. In summary:
- Chime can make funds available up to 2 days early, depending on when the employer processes payroll.
- Deposits may arrive at any time during the day or night on business days.
- Timing depends heavily on your employer’s payroll submission schedule.
- Direct deposits are not processed on weekends or bank holidays, causing possible delays.
If your direct deposit is late, it's best to check with your employer first and then contact Chime as needed.
