The short answer is: The speed in which you get a deposit depends on how quickly your company’s payroll sends the money.

We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. If 9 AM EST on payday is the worst-case scenario for getting your direct deposit, then what is the best-case scenario? What about Chime’s promise to Get your paycheck up to two days early”? Chime’s Fine Print on Early DepositsĮarly access to direct deposit funds depends on the timing of the submission of the payment file from the payer. What Time Does Chime EARLY Direct Deposit Hit? It’s essential to note that this 9 AM EST timing represents the latest possible time you should anticipate receiving your deposit, representing a worst-case scenario. For instance, if your employer specifies that your payday falls on the 15th of the month, you can expect your deposit to be available in your Chime account no later than 9 AM EST on the 15th. What Time Does Chime Direct Deposit Hit?Ĭhime ensures that your direct deposit is posted by 9 AM EST on your designated payday. The below article provides answers to a wide variety of questions related to Chime deposits. Chime seems eager to get your money into your account, which is perfect for folks who always seem to be running a little low on funds by the end of a pay period. One of the reasons so many people are moving from traditional banks to Chime is because of Chime’s customer-friendly deposit rules.

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