Chime mobile check deposits typically take up to five business days to clear and for the funds to appear in your account. In many cases, the money is available within one to two business days, but the maximum wait time can be as long as five business days due to Chime's policy and the need to verify the check and prevent fraud
. Factors that can influence the deposit timing include:
- Whether you have direct deposit set up with Chime, which can speed up access to funds.
- The clarity and quality of the check image you submit.
- The type and amount of the check (smaller amounts may clear faster).
- The timing of the deposit (deposits made late in the day, on weekends, or holidays may be delayed).
- Proper endorsement of the check.
Chime does not offer instant check deposits and holds funds to ensure the check clears, which can result in delays compared to traditional banks
. You can check the status of your mobile check deposit in the Chime app under "View Transactions" and see any pending deposits along with the expected availability date
. In summary, expect up to five business days for a mobile check deposit to fully post to your Chime account, with many deposits clearing sooner, often within one or two days.
