What is Chime App?
If you open up the Chime app, it will ask for the face id, and then it will bring you to the home page. On the home page, you may see advertisements for free cash deposits of Walgreens, so you can proceed ahead and close that out. On scrolling down, you will see the accounts like the Checking account opened, also known as the spending account. There can be a savings account opened as well.
On clicking on view transactions, it will show you the activity on the particular chime spending account. If you have only a checking account opened and want to open your saving account, then you can do so right from your mobile phone. So, if you click on the Open a savings account button, it will give you some basic information and instruction about it, and then click on the open savings account.
Direct Deposit Set-up:
On scrolling down the home page, the next menu you see is the Get your paycheck early option, and this is where you can set up direct deposit using the routing and account number that you see on the screen and you are going to give that to your employer, and they will be able to direct deposit your paycheck right into your chime account. Generally, chime offers some kind of incentive or sign-up bonus or something when you set up direct deposit. Depending on how your employer processes payroll, you could either give them the routing or an account number if they have some kind of direct deposit form on their end or you also have an option to search for your employer’s payment provider. If you are working for a larger company you might be able to find them in the system. There are over 30000 different companies, so depending upon who you work for it might be an option.
If you click on the little drop-down menu available on the top near Direct deposit, it will remind you of some of the advantages of using direct deposits. With the Chime app, you can get paid up to two days early. Using direct deposit, you also get a free overdraft of up to $200 through SpotMe. Chime also has an automatic savings tool that automatically sets aside a dollar amount from your paycheck every time you get paid. In addition to this, you also have access to a new way to build credit which is just about the new credit builder products.
Mobile Check Deposit Option:
On clicking on that option, it will ask you what kind of check is this, is it from a payroll provider or by your employer, or getting it as a gift.
How to Deposit a Check on the Chime Mobile App?
First of all, open the Chime mobile application. On the Home interface, at the bottom, you have an option as Move MoneyOn clicking on and you get a lot of options such as moving your direct deposit, transfer from other banks, deposit cash, and so on. You will also find an option as ‘Mobile check deposit’ over there. Click on the ‘Mobile check deposit’ option. It will ask you what type of check is this. You can select U. S. Treasury or a payroll provider, and you can also select ‘Others’ as an option based on your preference. Selecting any of the options will display some important instructions. Click on ‘Got it’ and proceed further. If you need to enter the check amount, the limit is visible. You must ensure that your check amount is not above the mentioned limit. Click on ‘Next’ and capture your check front. Then, it will ask you to allow the Chime app to take pictures and record video, click on ‘Allow’, and proceed. Click the picture of your check front and upload it
How much time does it take to deposit in the Chime account?
It depends on your bank. After clearing your check from the bank, your Chime account will receive the deposit successfully. It can take up to around 3 to 4 days.
Conclusion:
For direct deposit setup usually, the Chime mobile app offers various incentives. So definitely keep an eye out for an offer like that if this is a feature that you think you would use. The chime platform as a whole is simple.
If one is looking for a convenient and uncomplicated platform, which gives the information that one needs without being too cluttered right from their phone then, they may go for Chime mobile application.
