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Chime Mobile Check Deposit: Limit, Time And Process

  • Posted By admin
  • 26 May, 2022

Let us be totally honest. No one likes to visit the bank anymore for obvious reasons; hour-long queues and arrogant staff. And if that wasn’t enough, depositing a check at banks can be especially dreading. And keeping the pain of people in mind, Chime came up with a feature known as the Chime mobile check deposit. The primary reason for this feature is to save people’s time and energy. Using this feature, you can deposit a check using the Chime App on your phone. Sounds convenient, does it? But wait there’s more. With Chime check deposit, you longer have to worry about losing a check.

Now you may be wondering “So, what is the catch?”. Well, there is none. Chime has evidently proven to the world that virtual banks can provide just as much as traditional banks. And that the Chime mobile check upload is only one end of the spectrum. There are so many advanced elementary options a user can choose from. Chime provides as per your needs;

  • Chime Mobile Check Deposit
  • Chime SpotMe
  • Chime Savings Account
  • Chime Credit Builder Card
  • High Yield Interest Rate
  • Fee-free ATM Network
  • No Fee on Foreign Transactions

Assuming by now you are interested to know more about the Chime check deposit. Let us begin by answering some of the basic questions that might appear in your mind. However, we will start will familiarising you with what exactly the Chime Mobile Check deposit is, and how it works.

How does mobile check deposit work with Chime?

The fundamental objective of this feature is to simply bring accessibility to the people. In 2022, we live in a fast-paced world where we cannot afford to waste even one second. And there is no doubt that going to the bank to deposit a check consumes more time than it should. Now with the Chime Mobile Check Deposit, you can upload a check through the Chime App using just your phone’s camera. This might come off as confusing but it really isn’t.

The first step of making a mobile check deposit with Chime is to ensure your check is promptly endorsed to avoid the risk of fraud. Once that is done, let us move on to the part where we teach you how you can upload a checking using Chime.

  • Open your Chime App

The first step is first. Open the Chime App on your phone and log in to your Chime account.

  • Select “Move Money”

The second step is to go to the “Move Money” section which is present at the bottom of the screen.

  • Choose “Mobile Check Deposit”

Below the “Add money to Chime” category, you will find the option of Mobile Check Upload. Choose that.

  • Pick the type of Check

The next step is choosing the kind of check you are uploading. There are two types of checks you can upload using Chime; U.S. Treasury Check and Payroll Provider Check. And if the check belongs to neither category, select “Other”.

On the next screen, you will see receive some important instructions regarding the upload of the check. Click on “Got It” at the end of the screen.

  • Enter the amount

This is where the crucial part starts. Enter the amount you are depositing through the check. The Chime Mobile Check Deposit limit is $2000. After specifying the amount, click “Next”.

Here you will see a popup as “Allow Chime to Take Pictures”, and select “Allow”. Now you will have to click a picture of your check from the front as well as the back.

NOTE: Use a dark, solid background with good lighting when you upload the check. And if you are uploading the check for you and your partner, both signatures are mandatory.

Finally, choose “Upload”.

Is Chime mobile check deposit instant?

So, you finally uploaded that check you were sitting on? This is the point where all you have to do nothing but wait for that money to arrive in your Chime account. Though the chime mobile check upload is instant, the money doesn’t arrive in your account instantly. This wait can be frustrating but it is so worth it.

But for those who are tired of waiting for 2-5 business days, there is good news. Depending on the amount on the check, you can receive your check within 1 business day. Exciting right!

But that is when your check amount is less than $500. The bigger the amount on your check, the higher the probability of your check arriving after more business days. We know you may be wondering by now what is the Chime mobile check deposit time? Let us shine a light on all your answers.

How long will Chime take for mobile check deposit?

Chime mobile check deposits are usually received within 3-5 business days from the date of transfer. The arrival of funds through Chime check deposit also depends upon the online banking guidelines by your checking bank.

In some unfortunate events, you may also experience some delay in clearing the check. This can be due to the following reasons:

  • You are depositing the check for a hefty amount.
  • Your account consists of several overdrafts.
  • It is possible that the check you deposited may be bounced and will not be cleared.

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Ending Insight  

Keep it short and simple. Now depositing a check at the bank will no longer be on your to-do list with the Chime Mobile Check Deposit. It is a smarter, faster and simpler way of depositing a check instead of visiting the bank and waiting in hefty queues.

To deposit a check with chime, all you need is a stable internet connection and a Chime bank account. Just open Chime on your phone, and in the Move Money section, select “Mobile Check Upload”. Click a picture of your check and press “Upload”. Your check will be instantly deposited in your account, and the funds will arrive in your account within 1-5 business days. 

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