![]() ![]() ![]() When endorsing a mobile check deposit, look over the name on the front of the check to make sure it’s exactly the same as the name you sign on the back. Here are some tips to keep in mind when using our mobile check deposit feature: 1. On the other hand, you can deposit personal checks, business checks, cashier’s checks, and government-issued checks (i.e., stimulus checks and tax refunds). You can’t deposit money orders, traveler’s checks, savings bonds, starter or temporary checks, or non-negotiable instruments (promissory notes). To spare you from going through unnecessary trouble, learn what types of checks aren’t eligible for mobile check deposit. Items that are not eligible for mobile check deposit Deposit checks that are wrinkle- and crease-free.Keep all four corners of the check in the photo.Use good lighting, like a bright artificial light source or natural light coming from a window.Place the check against a dark, solid surface.Here are some pointers on photographing your check: Taking a readable picture of your check can make the difference between your mobile check getting accepted or rejected – and that money getting into your account faster. To make sure your mobile check deposit gets accepted without any issues, you’ll want to take a clear photo and know what types of items are accepted. On the flip side, depositing a check at night, depositing on a bank or federal holiday, or depositing a check for a larger amount could delay your mobile check deposit. A check for a smaller amount (Our check deposit limit is $2,000.Depositing before the end of the business day.An accepted type of check (aka personal checks, business checks, cashier’s checks, government-issued checks).Here’s what could speed up mobile check deposits: Want to try to speed up how long mobile deposit takes ? Make sure the check is against a solid, dark background, and endorse your checks in ink, ideally in blue or black. You can expect your funds to appear in your account in five business days or less. It also allows us to clear more checks through our app.Īfter you deposit a check through the Chime app, hang tight. Why is there a hold time? On our end, it helps make sure the check doesn’t bounce. In most cases, though, mobile check deposit is fairly quick. It can take up to five business days for money to show up in your account. Mobile Check Deposit will automatically be available on your app one business day after you receive your qualifying direct deposit. If it’s a gig economy payer, we also accept direct deposit payments that are Original Credit Transaction (OCT). ![]() For instance, you can deposit a check in the app if you’ve received at least $1 from an employer or payroll provider, a gig economy payer, or government payments (SSI benefits apply, but not tax refunds).Ĭhime accepts direct deposit payments that are automated clearing house (ACH) transfers. Follow the in-app prompts, which will walk you through the rest of the process.Īs a Chime member, your eligibility to use mobile check deposit is based on your direct deposit history.Open the Chime app, tap Move Money (at the bottom of your screen), then tap Mobile check deposit.Make sure it matches what’s on your Chime Checking Account exactly. Follow these steps to deposit a check through the Chime app: ![]()
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