There are still a lot of questions about how long it takes to receive a direct deposit payment.
Direct deposit is also used for tax refunds, stimulus checks, and other government payments. Today almost everyone is paid using direct deposit. You had to be careful not to lose it before you got to the bank.
You should always endorse your checks in ink.There was a time when workplaces distributed paychecks printed on paper - hard to believe, isn’t it? Every payday, a manager would walk around and give everyone their check. Joint checks must be endorsed by both payees. Checks with textured or patterned backgrounds may fail to deposit. Your money will appear in your account 5 business days after you deposited the check. This hold time helps us make sure the check doesn’t bounce and allows us to accept more checks through our app. You may need to wait up to 5 business days for your money to appear in your account. Smooth out any wrinkles or creases in the check. Make sure your camera is properly focused. Make sure all 4 corners of the check are visible in the photo. Place the check on a clean, dark surface without any other items visible. Here are some tips for taking a photo of your check: For more information, please read the Prohibited Checks section of your Deposit Account Agreement. We will send you a push notification and an email with more information if this happens, and you may be able to resubmit your check. What can I do if my check gets rejected?Ĭhecks may be rejected for a number of reasons. Note: If your check is from a state government, you should choose Other as the check type. Treasury check, be sure to write "For deposit at Chime only" on one of the endorsement lines on the back. They’re used for payments like tax refunds and government benefits. Treasury checks say United States Treasury in bold letters and feature an image of the Statue of Liberty on the left side. Non-negotiable instruments, such as promissory notes. The following items are not eligible for Mobile Check Deposit: Was not created remotely (meaning, a check created by a merchant with a buyer’s checking account number on it, but without the buyer’s original signature). Is from a financial institution located within the U.S. Has not been previously deposited at another institution. #HOW LONG DOES IT TAKE FOR A CHECK TO DEPOSIT FREE#
Is free of alterations, illegible items, or signs of fraud. You may deposit any check that meets the following requirements: Select the type of check you want to deposit and follow the steps.įrequently asked questions How do I know if my check can be deposited?. Once Mobile Check Deposit is enabled for your account, you can deposit your check using your Chime mobile app by following these steps: 
We will automatically enable Mobile Check Deposit in your app one business day after you become eligible. However, tax refunds do not count as qualifying direct deposits. You must receive government benefit deposits as automated clearing house (ACH) transfers. Gig economy payments can be received either as ACH transfers or Original Credit Transactions (OCT).
You must receive employer and payroll provider deposits as automated clearing house (ACH) transfers. Qualifying direct deposits include those from: Eligibility is based on the history of any Chime-branded accounts you have, your qualifying direct deposit amounts and history, and other risk-based factors.įor example, you can use Mobile Check Deposit if you've received a qualifying direct deposit of at least $1. Not all Chime members are eligible for Mobile Check Deposit.
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