Chime allows eligible users to deposit checks electronically using its mobile app, making it possible to access funds without visiting a bank branch or check cashing store. This guide explains how Chime check deposits work, which checks are accepted, how long deposits take, limits, and what to do if a check is delayed or rejected.
Quick answer: Chime does not offer in-person check cashing. Instead, eligible users can deposit checks through the Chime mobile app. Most deposits are reviewed and processed within 1–3 business days, though holds may apply depending on the check type and account history.
If you need same-day cash instead of a mobile deposit, see our guide to grocery stores that cash checks.
Can You Cash a Check With Chime?
Chime does not cash checks instantly like a retail check cashing counter. It allows users to deposit checks electronically into their Chime Spending Account using the mobile app. Funds become available after the check is reviewed and approved.
This feature is only available to eligible accounts and may not appear for all users.
Chime Mobile Check Deposit Eligibility
To use mobile check deposit with Chime, your account generally must meet the following requirements:
- Verified Chime account in good standing
- Active Chime Spending Account
- Identity verification completed
- Up-to-date Chime app
- Age 18+ and located in a supported U.S. region
Note: Eligibility can change over time. Chime may limit or remove mobile check deposit access based on account activity or risk reviews.
Types of Checks Chime Typically Accepts
When mobile deposit is available, Chime commonly accepts:
- Payroll checks
- Government checks (such as benefits or tax refunds)
- Personal checks
- Insurance settlement checks
Chime generally does not accept:
- Third-party checks
- Foreign checks
- Business or corporate checks
- Money orders
If you need faster or guaranteed cash access, review our guide to check cashing alternatives.
How to Deposit a Check Using the Chime App
If mobile check deposit is enabled on your account, follow these steps:
- Open the Chime app and tap Move Money.
- Select Mobile Check Deposit.
- Endorse the check as instructed in the app.
- Take clear photos of the front and back.
- Submit the deposit for review.
You’ll receive an in-app notification once the deposit is approved or if additional review is required.
Chime Check Deposit Times, Limits, and Fees
Deposit timing and limits vary by account and check type:
| Category | Typical Range |
|---|---|
| Processing time | 1–3 business days (holds may apply) |
| Daily deposit limit | Varies by account |
| Monthly deposit limit | Varies by account |
| Mobile deposit fee | Usually free |
Chime may place holds on certain deposits, especially for larger checks or new payers.
Why a Chime Check Deposit May Be Delayed or Rejected
Common reasons for delays or rejections include:
- Blurry or poorly lit check images
- Incorrect endorsement
- Ineligible check type
- Unusual deposit amount or activity
If your deposit is rejected, Chime will notify you in the app. You may be able to correct the issue and resubmit the check.
FAQs About Chime Check Cashing
Do You Need a Bank Account to Deposit Checks on Chime?
No. Chime functions as a digital banking platform, and eligible users can deposit checks directly into their Chime Spending Account.
Is Chime Check Deposit Instant?
No. All check deposits require review before funds are available. Processing times depend on the check and your account history.
Is Mobile Check Deposit on Chime Safe?
Yes. Chime uses encryption and identity verification to protect check deposits and account information.
Bottom Line
Chime offers a convenient way for eligible users to deposit checks electronically, but it is not a substitute for instant, in-store check cashing. Processing times, limits, and approval depend on your account and the check type, so having backup options is important.
If you need immediate access to cash, explore our guide to check cashing services.