How To Use Chime Mobile Check Deposit – Review [An Ultimate Guide]

Chime Mobile Check Deposit

Trips to the bank can be tiring and stressful. Ever thought of a way to cash checks and add funds to your account without taking a trip to the bank? It is possible with a Chime Mobile Check DepositOpens in a new tab..

Chime Mobile Check DepositOpens in a new tab. is a means of depositing your paper checks directly into your checking or savings account without heading to the bank.

This means that you can deposit paper checks directly into your account without leaving your home, waiting in line at the bank for what may seem like an eternity to cash a check that you need to use practically immediately.

This mobile check deposit by chime helps save time while you attend to other duties on your to-do list since the check can be deposited from anywhere and at any time. 

In this article, I’ll show you how to use Chime Bank to instantly cash your check from the comfort of your home on a mobile device. Join me as we go along the whole guide.

Chime Mobile Check Deposit
How To Use Chime Mobile Check Deposit Review [An Ultimate Guide]
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Can I Deposit a Check in My Chime Account?

Yes, you can deposit a check in your Chime account. Chime users can deposit any of these types of checks; personal, business, cashier’s checks, and government-issued checks, including tax refunds and stimulus checks.

Is It Safe to Use Chime Mobile Check Deposit?

Chime mobile check deposit is safe and secure to use. Every chime transaction is completely secure, and the mobile check deposit is not an exception.

What Does a Chime Check Look Like?

Chime, in general, does not have its own specialized checks, nor does it offer personal checkbooks or anything of the sort; however, users can cash any type of check through the chime mobile app.

How to Deposit a Check With Chime?

To deposit a Check with Chime, you need to do the following: 

  1. Open your Chime app and sign in.
  2. At the bottom of the screen, Click “Move Money.”
  3. On the move money page, Select “Mobile Check Deposit.”
  4. Select either your “Checking or Saving” account to deposit the check into.
  5. From the options, Choose the “Type of the check” (i.e U.S treasury, payroll provider, or other)
  6. On the next screen, Is an instruction on how to deposit your check, click “Got It.”
    • Use a solid dark background and good lighting.
    • If depositing a check for you and your partner, both signatures are required.
  7. Next, you have to Enter the “Amount” as written on the check or what the check is worth.
  8. When prompted click on “Allow Chime to take pictures and record videos.”
  9. Take a “Picture of the front of the check” and Click “Use photo.”
  10. Next, “Sign the back of the check, take a picture of it” and Click “Use Photo.”
  11. Review and click “Deposit check.”
  12. Click “Got it.”

Tip: Once the Check deposit is submitted, it will show up under your pending transactions. Once it goes into pending, it might take a few hours or days for Chime to accept or reject the check.

What Type of Check Can I Deposit on Chime?

The types of checks you may be able to deposit using chime mobile check deposits include:

  • Personal checks.
  • Business checks.
  • Cashier’s checks.
  • Government-issued checks.
  • Tax refunds.
  • Stimulus checks.

Is Chime Mobile Check Deposit Instant?

No, chime mobile check deposit is not instant. Chime mobile checks are subject to verification, which explains why deposits made using Chime mobile checks are not always instantly accessible or withdrawable.

How Long Does Chime Mobile Check Deposit Take?

When you deposit a check, Chime usually gives you a time frame of when to expect the check deposited into your preferred account. If this is not the case, You can expect Chime to deposit most checks into your account between 3-5 business days.

However, If for any reason your check does not deposit within that time frame, you should not hesitate to contact Chime support.

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Chime Mobile Check Deposit Funds Availability

The availability of your deposited check on chime is not a thing of a general rule. Chime may urge you to wait 3-5 business days, but there are times when the funds are made available the following working days.

Experience has shown me that a number of variables affect how quickly your mobile check deposit is made available. These variables include;

  1. Amount of money: There is a possibility that the deposit time will take longer if you are trying to cash a large check through the Chime mobile check deposit service than if you are only trying to cash a little amount of money.
  2. The Type of check: The kind of check involved greatly influences when your check can be deposited into your bank account. This is due to the fact that not all checks are handled with equal urgency. A US Treasury check, for instance, takes longer to cash than other checks.
  3. Your Bank Account: This was stated in Chime’s T&C as well. How quickly or slowly your deposited check is cashed into your bank account may vary depending on the type of bank you use. Because Chime typically waits for the bank to clear the check before moving forward, it would be forced to postpone your money if the bank did not move quickly.
  4. Late Deposit: Another explanation for the delays could be If you deposited your check too late in the day and missed the deadline. You might have to wait for the check to clear for an additional business day.

The bottom message is that you must practice patience and not have too high of expectations of when your check will be available so you can let chime do its thing and prevent any further issues.

What Is the Chime Mobile Check Deposit Limit?

You have a $10,000 monthly deposit limit with the Chime check deposit feature, which allows you to deposit up to one check for $1,000 every 24 hours and up to ten checks worth $1,000 each every month.

Does Chime Accept Third-party Checks?

Yes, Chime accepts third-party checks but on the condition that the checks are payable to you to deposit in your Chime checking account. However, a third-party check made to a business or someone else will not be accepted.

Can I Deposit Someone Else’s Check Into My Chime Account?

You can only deposit someone else’s check into your account if it is payable to you to be deposited into your Chime Checking Account. A check made out to cash or not in your name will be rejected by Chime.

Why Is Chime Not Depositing My Checks?

If for any reason chime is not depositing your checks, This might not be an issue with chime but you need to check if you do not face any of the following issues:

  • There are frequent overdrafts in your account.
  • You’re depositing a large number of checks.
  • the deposited check is bounced and can not be paid.

If you face any of these issues then try to solve them before proceeding with the check deposit however if that is not the case you can contact the check issuer and your bank.

Can I Get a Voided Check From Chime?

A voided check has the word “VOID” written in front of it. A voided check is a check that you can’t use to make a payment or withdraw money from a checking account. Yes, you can get a voided check from Chime. 

How Do I Get a Voided Check From Chime?

You may want a voided check if you want to set up a payment account. Some financial institutions may ask for a voided check to process your banking information. You may also want a voided check 

You can request a voided check from your bank, probably for a small fee. To send yourself a small check (for as little as one cent), you can also use a free online bill-pay service. Once the check has been deposited, you can cancel it.

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FaQs

Can I Deposit a Check Into My Chime Account at Walmart?

Chime’s deposit partners have over 90,000 retail locations all across the country with Walmart being one of them. Therefore You can simply go up to the cashier and tell them to deposit a check into your chime spending account.

Can I Deposit a Handwritten Check With Chime?

Yes, you can deposit a handwritten check into your chime account. On Chime, all types of checks are accepted for deposit, and a handwritten check is one of the checks you can deposit.

How to Deposit a Handwritten Check With Chime?

Depositing a handwritten check is quite an easy process, you simply have to follow the same procedure of depositing the other types of checks.

  1. Open your Chime app and sign in.
  2. At the bottom of the screen, Click “Move Money.”
  3. On the move money page, Select “Mobile Check Deposit.”
  4. Select either your “Checking or Saving” account to deposit the check into.
  5. From the options, Choose the “Type of the check” (i.e U.S treasury, payroll provider, or other)
  6. On the next screen, Is an instruction on how to deposit your check, click “Got It.”
    • Use a solid dark background and good lighting.
    • If depositing a check for you and your partner, both signatures are required.
  7. Next, you have to Enter the “Amount” as written on the check or what the check is worth.
  8. When prompted click on “Allow Chime to take pictures and record videos.”
  9. Take a “Picture of the front of the check” and Click “Use photo.”
  10. Next, “Sign the back of the check, take a picture of it” and Click “Use Photo.”
  11. Review and click “Deposit check.”
  12. Click “Got it.”

Conclusion

Chime mobile check deposit is secure just like every other online and mobile banking tool. It accepts all types of checks from the government issued to the U.S treasury to payroll, etc.

When depositing your check to chime, Make sure to take clear images of checks and verify the details before submitting to avoid the possibility of rejections.

Also, have in mind that chime only accepts checks that are payable to you in US dollars, haven’t been earlier deposited at another establishment, have no signs of fraud, and are from a US financial institution.

If your deposited check is verified and cleared, You can expect Chime to deposit most checks into your account between 3-5 business days.

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