Yes — you can cash or deposit a check with Chime using its mobile app. The
Mobile Check Deposit feature lets you take photos of your paper check and deposit funds directly into your Chime Spending or Savings account. This 2025 guide explains how Chime check cashing works, which checks are accepted, and how long deposits take to clear.
Can You Cash a Check with Chime?
Yes — Chime supports check deposits for eligible members who’ve activated
direct deposit. Once that’s set up, you can deposit most payroll, government, or cashier’s checks right from your phone.
- Available to: Members with at least one direct deposit posted
- Accepted checks: Payroll, government, cashier’s, and insurance checks
- Not accepted: Third-party or handwritten personal checks
How to Cash or Deposit a Check with Chime
- 1. Open the Chime app and tap “Move Money.”
- 2. Choose “Mobile Check Deposit.”
- 3. Select where to deposit (Spending or Savings account).
- 4. Take clear photos of the front and back of your check.
- 5. Endorse with “For mobile deposit only to Chime.”
- 6. Submit and wait for confirmation.
Deposits are reviewed automatically. You’ll receive a push notification once they’re accepted or if more information is needed.
Chime Check Deposit Limits (2025)
| Type | Limit |
|---|
| Per check | $2,000 |
| Per day | $2,000 |
| Per month | $10,000 |
Limits may vary depending on your direct deposit history and account age. Larger checks might require manual review.
How Long Does It Take for a Chime Check to Clear?
- Payroll & Government Checks: 1–3 business days
- Cashier’s Checks: 3–5 business days
- Insurance or Refund Checks: Up to 10 business days
If you have direct deposit, funds may clear faster since your account is pre-verified.
Why Chime Might Decline a Check
- Blurry or incomplete photo upload
- Missing endorsement
- Third-party check not made out to you
- Duplicate submission
- Amount exceeds your daily or monthly limit
If a check is rejected, Chime sends an in-app message with the reason and next steps.
Is Chime Check Cashing Instant?
Not yet — Chime doesn’t offer instant check cashing. Deposits typically clear within a few business days. If you need immediate access, you can transfer funds to your linked debit card once they post. For faster access, consider apps like
Venmo or
PayPal, which offer instant check-deposit options for a small fee.
Can You Deposit Checks at an ATM with Chime?
No — Chime doesn’t support ATM check deposits. All deposits must go through the mobile app or via a linked external bank account. See our
ATM Finder Guide for free Chime-compatible cash withdrawal locations.
Final Thoughts
You can cash or deposit checks with Chime in 2025 using its Mobile Check Deposit feature, available once you’ve activated direct deposit. Funds usually clear in 1–3 business days, with no extra fees. For more mobile banking options, explore our
Cash App,
Venmo, and
PayPal guides.