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Does Chime Show Pending Deposits? (Complete 2023 Guide!)

Jamey Muller
Updated: August 8, 2022
5 min read

Waiting for money to arrive in your Chime account can be frustrating. You want to have the vantage of knowing if the deposits are just pending or not lost in the system.

This guide will teach you where to look for your pending deposits on the Chime website or mobile app.

Here’s if Chime Shows Pending Deposits:

Chime shows pending deposits on both its website and app. You simply need to navigate to the Statements tab and you can see which deposits are pending based on the color of the dollar amounts. The gray-colored texts are the ones that are pending. The ones in green are deposits that have arrived.

The color coding makes it easy for users to determine which deposits have not hit their account yet.

If you want to check your pending deposits via the Chime website, you need to log in to your account.

After pressing the Login button at the top right of the screen, you should enter your Chime credentials to access your account.

Then, look for the Statement option by scrolling down the bar in your screen’s left corner.

You will see all your previous transactions, at least back to 60 days. Locate the pending deposit you are troubled with by checking the date the money was supposed to be credited.

If you want, you may also secure a copy of your monthly statement by hitting the Download button.

Users with the Chime app installed on their phones can see all the details of transactions and deposits directly from the home screen.

The pending deposits are those whose amounts are in gray. Green means the deposit is completed, while black indicates money you have already withdrawn. 

Does Chime Notify You if You Have a Pending Deposit?

Yes. You will get a push notification and an email from Chime to let you know that your deposit has arrived. 

Chime processes and posts deposits as soon as they receive them. If you have enabled your transaction notifications in your mobile app, you will know immediately the minute funds reach your account.

If you have not, you can always change your Chime notifications settings. In your mobile app, this can be found under Settings. 

You may also do it via the Chime website. Click on your name at the top-right corner of the screen, then select Notifications.

If you still have not received notifications after this, you may need to do some troubleshooting.

You should check and modify the settings on your phone to enable notifications for Chime.

On your Android device, simply launch the Setting app, then tap the Application Manager. Scroll through the app list and select Chime. 

Afterward, click Show Notifications. This will turn on push notifications for your Chime transactions.

For iOS-supported devices, go to Settings > Notifications. You will see a list of apps that support push notifications.

Tap the Chime app and turn on the notification options. 

Does Chime Hold Pending Deposits?

No. Chime does not hold direct deposits. Funds are transferred to your account immediately the moment Chime receives them from your employer or payroll provider.

While Chime is not a bank in a conventional sense, it offers banking services and checking/savings accounts through its bank partners.

The timing of the deposit depends on when the transfer is initiated by the originating bank to your Chime account. Typically, deposits will post during the weekday, Monday to Friday, throughout the day.

If you do not see the deposit on your account, this only means that Chime has yet to receive it.

How Long Do Pending Deposits Take On Chime?

Deposits are generally available in Chime accounts about three (3) days after the originating bank initiates the payment transfer. Chime takes pride in releasing your funds two (2) days early compared to others.

Once you open an account with Chime, you are automatically enrolled in early direct deposit so you can get your money as soon as possible.

You can access the funds two days earlier. This is compared to traditional banking policies and paper check deposits done electronically.

However, this depends on how fast the sender and their bank process the funds. Chime makes it clear that early access depends on the timing of the payment file submission from the payer. 

Your money is made available on the day the payment file from the payer is received. This means that the deposit will be in your Chime account by 9 am EST on your regular payday.

Usually, though, the funds can be accessed two (2) days earlier than the scheduled payment date.

Also, there is no fixed time on when a deposit is credited to your account. You can see it in your Chime transactions as early as 9 am or late at night.

Unless it is a weekend, fund transfers are processed any day depending on when your employer or payroll provider initiates the payroll.

Employers generally set a timetable for this, so the deposits are credited depending on their schedule. 

If it is your first deposit with your Chime account, you can expect the processing time to be slower compared to future transactions.

Weekends and national holidays also impact the processing time. 

If the deposit falls on a weekend or a holiday, you can expect the payment to be in your Chime account the next business day.

To receive funds early on Chime, you should already have a direct deposit established with your employer or payroll provider using your checking account.

If you have not yet, you can easily set this up by logging in to your Chime account, either via the online banking platform or the mobile app.

Select the Move Money option to see your Chime routing number and account number, then send them to your employer.

You may also set up a pre-filled direct deposit form via the mobile app.

Tap on Move Money > Direct Deposit > Email me a pre-filled direct deposit form. Then, download or print the form.

You should send a copy to your employer. After a few days, confirm with them to check if direct deposit is already established.

Why Is My Chime Deposit Late?

Delay in deposit to your Chime account may be due to several reasons. The most common is your employer or payroll provider and their bank was slow in processing the payment transfer.

Paydays falling on a weekend or holiday may also result in a delay in the processing time.

First-time deposits may also be slower than the subsequent transactions later on.

It is rare for Chime deposits to fail due to technical issues. If you are expecting a deposit but it did not arrive, you may contact your employer to check if they use the correct Chime account and routing numbers.


Chime: Where's My Direct Deposit?
Chime: How Do I Set Up And Manage My Notifications?

Written by
Jamey Muller
I'm the head-writer @ Knowledge Eager (or, in plain English, I'm the guy writing the majority of the content here). Addicted to the stock market, football, sushi and tacos.
Have any questions? Write us a message.
Jamey Muller
I'm the head-writer @ Knowledge Eager (or, in plain English, I'm the guy writing the majority of the content here). Addicted to the stock market, football, sushi and tacos.