Chime Mobile Deposit

• Mobile Check Deposit
• Chime Mobile Deposit Not Working

A new way to build credit

Chime offers mobile and online banking through its banking partners with no hidden fees‡. Overdraft up to $100. with no fees, get paid up to 2 days early with direct deposit^, and grow your savings. With the early direct deposit feature, your direct deposit will be posted to your Chime Spending Account as soon as it is received from your employer or payer. If you have questions about the timing of your. The qualifying direct deposit must have been made by your employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Bank ACH transfers, Pay Friends transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits.

Increase your credit score by an average of 30 points² with our new secured credit card

No annual fee or interest

No credit check to apply

No minimum security deposit required³

No fees or surprises

We’re here to help you break free from fees, annual interest, and large security deposits

No credit check to apply

Everyone deserves a fair shot at good credit, so we don’t check your score when you apply

Make every purchase count

Whether it’s gas or groceries, now everyday purchases can count toward building credit

Safer credit building

Turn on Safer Credit Building and your balance will be automatically paid on time, every month. We’ll keep the major credit bureaus updated.⁴

Join more than 1.5 million members already using Credit Builder

Available for Chime Spending Account holders with eligible direct deposit¹

Already a Chime member? Learn how to sign up for Credit Builder

See what our members are saying

“This card has changed my credit score for the good and I love it”

'My fiancé and I wants to buy a house...It(Credit Builder) is slowly but surely moving me and my family closer to our dreams.'

'I'm new to credit so it feels really good seeing that I'm safely increasing my score.'

Questions?

Here’s everything you need to know about our Credit Builder

Before Applying

All you need is a Chime Spending Account and direct deposits of $200 or more within the past 365 days.

Mobile Check Deposit

Don’t have a Chime Spending Account? Apply for one in under two minutes!

No way! We think everyone deserves a chance to build credit, so we don’t check your credit score when you apply.

Yes. We designed Credit Builder to work with the Chime Spending Account so that you can move money instantly—across your Chime accounts!

Nope! We do not charge fees; no annual fees, maintenance fees, international fees, and no interest.

Credit Builder offers features that help you stay on top of key factors that impact your credit score. Consistent use of Credit Builder can help you build on-time payment history, increase the length of your credit history over time, and more. We report to the major credit bureaus – TransUnion®, Experian®, and Equifax®.

Learn more about crediting building with Credit Builder.

Unlike traditional credit cards, Credit Builder helps you build credit with no fees and no interest. There’s also no credit check to apply!

Credit Builder is a secured credit card. The money you move into Credit Builder’s secured account is the amount you can spend on the card. Unlike other secured credit cards, that money can be used to pay off your monthly balances. Since Credit Builder doesn’t have a pre-set limit, spending up to the amount you added won’t contribute to a high-utilization record on your credit history.

Learn more about how Credit Builder works.

Yes, Credit Builder is a secured credit card. The money you move to the Credit Builder secured account is how much you can spend with the card. This amount is often referred to by other secured credit cards as the security deposit. Like other secured credit cards, Credit Builder also reports to the major credit bureaus, to help you build credit history over time.

However, for most secured credit cards, security deposits are unavailable to you, the consumer, until you close the account. With Credit Builder, you can use your deposit to pay for monthly charges. Plus, Credit Builder charges no fees and no interest, and no minimum security deposit required!

Yes, Credit Builder reports to the 3 major credit bureaus—TransUnion®, Experian® and Equifax®

Credit Builder doesn’t have a pre-set credit limit. Instead, the money you move into your Credit Builder secured account sets your spending limit on the card.

With traditional credit cards, using a high percentage of your available credit limit could negatively impact your credit score. You don’t have to worry about that with Credit Builder because Chime does not report credit utilization.

How much you can spend with Credit Builder is shown to you as Available to Spend in the Chime app.

Nope. Credit Builder doesn’t report percent utilization to the major credit bureaus because it has no pre-set credit limit. That means spending up to the amount you added will not show a high-utilization card on your credit history. So rest assured to use Credit Builder for your everyday purchases and let them count towards credit building!

New member basics

After you enroll, it’ll take on average 5-7 business days for your Credit Builder card to arrive.

It’s easy! Just go to the Chime app > Settings > Credit Builder > Activate Card.

You can use the Credit Builder card anywhere Visa® credit cards are accepted.

It is an account that holds the money you’ve moved to Credit Builder. This money determines the amount you can spend with your Credit Builder card (a.k.a credit limit). You get to set your own limit by moving any amount to and from your Credit Builder secured account whenever you want.

When you make a purchase, a hold is placed on that money you just spent in your secured account. You can use this money later, to pay your monthly balance. Your Available to Spend will also go down. This way, you know how much more you can spend with your Credit Builder card.

Your Available to Spend is the money you’ve moved to your Credit Builder secured account minus the amount you’ve charged on your Credit Builder card. Move money from your Chime Spending Account into Credit Builder to increase Available to Spend any time!

No, you cannot move money from other banks to your Credit Builder secured account. You can only do that from your Chime Spending Account.

Moving money between Chime Spending Account and Credit Buildertakes ~60 seconds! Once the transfer is complete, your transaction history will reflect the change and your Available to Spend will update.

Safer Credit Building is a feature that allows you to automatically pay your monthly balance with the money in your Credit Builder secured account. Turn it on, so your monthly balances are always paid on time! Learn more about how it works here.

Move My Pay is an optional Credit Builder feature that allows you to automatically move a set amount from your Spending Account to Credit Builder whenever you get paid. You can always make changes or move money between your Chime accounts at any time.

You can pay off your Credit Builder charges in 3 ways:

1. Our recommendation is to turn on Safer Credit Building. When you make a purchase, the money you spent is put on hold in your secured account. Safer Credit Building uses that money to automatically pay your monthly balance. This will help you avoid late payments and outstanding balances.
2. If Safer Credit Building is not turned on, Manual Payments can still be made at any time by going to Settings → Safer Credit Building → Make a Payment.
3. ACH Payments can be made from any bank by using Credit Builder’s account and routing numbers. To find them, go to Settings → Safer Credit Building → Make a Payment → Paying with another bank

Credit Builder statements are available by the 28th of each month and due on the 23rd of the following month.

If you miss a payment, we’ll disable your Credit Builder card and ask you to pay your overdue balance. See “How and when do I pay off the card?” on how to make a payment.

If your balance due isn’t paid in full after 30 days, we may report information about your account to the major credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report.

For the Credit Builder Visa Credit Card Agreement, please visit: https://www.chime.com/chime-credit-builder-visa-credit-card-agreement/

For the Credit Builder Application Disclosure and Secured Account Agreement, please visit: https://www.chime.com/chime-credit-builder-application-disclosure-and-secured-account-agreement

Learn how to perform a mobile check deposit at the many places that allow for such deposits.

First, we define what mobile check deposit or loading entails before outlining the specific steps on how to carry out the process.

You will also learn more about fake check deposits, fraud, and penalties for handling fake checks.

Contents

• How do mobile check deposits work?
• Mobile deposit fake check – Fraud & Penalties
• FAQ on Mobile Check Deposit

What is a mobile check deposit?

The mobile check deposit is a smart feature that enables people to easily and conveniently deposit their checks from their geographical locations.

You do not have to travel long distances to an ATM or bank branch to receive these services. However, for one to do that, he or she must have either a tablet or a smartphone with an app of their preferred bank.

How do mobile check deposits work?

The process of depositing your checks using this feature is as simple as taking a selfie using your phone.

A picture displays all the physical traits of a given object, and therefore, enabling the bank apps software to process the checks, once the images have been uploaded.

All you have to do is capture the back and front of your check. The picture of the check has to show both the front and back features for it to be processed effectively.

It is also one of the approaches to confirming that indeed the check is yours.

An individual may secretly take a picture of other people’s checks and upload only one side; so, if one side is acceptable, it will facilitate the theft of checks.

After you have uploaded the image of your check, you are expected to select the bank account where to deposit, enter the amount, and approve the details.

The amount entered has to match what is written on the check. For instance, if it is $3,000.00 on the check, the keyed-in figure must be $3,000.00.

Before, submitting the check for processing, you are required to confirm the details. Affirmation of the details assists in the elimination of the possible errors, which could delay the process of depositing your check.

It also removes the possibility of having the money deposited in the wrong bank account.

Lastly, after completing the above steps and have submitted the check, you will receive a notification informing you whether or not your check has been deposited.

If the check is rejected, you will be given a chance to review and repeat the steps above to deposit your check.

However, if the check is rejected completely, kindly contact the customer care of your bank for further details and assistance regarding their mobile check deposit services.

How does a mobile check deposit work at Bank of America?

For you to enjoy the banking services through your smartphone or tablet, you need to download the Bank of America app. You can get the app through this link here.

After downloading the app, you should install and register by opening the app. Once you have done that, you can deposit the check by taking the front and back of your check, enter the account and then tap ‘make a deposit.’

How does mobile check deposit work Wells Fargo?

As their customer, sign on to your Wells Fargo Mobile application, then upload the front and back of your check, enter the amount you want to deposit as written on the check, and submit for processing.

How does mobile cheque deposit work at RBC?

Chime Mobile Deposit Not Working

The RBC Mobile app is available at the App Store and Google Play, or one can send a text “RBC” to 722722 and the bank will send you the link.

Once you have the app, all you need to do is sign the front and the back of your check, take images, upload, and submit the correct detail for processing.

How does Chime’s mobile check deposit work?

The Chime application is available for Android and iPhone smartphone users. Once you have installed the app on your phone, you can deposit checks from any part of the world.

However, you must ensure the check pictures and details are correct and clear to prevent the cancellation of the check.

How does the PNC mobile check deposit work?

At PNC, clients are allowed to deposit checks through their smartphones. The customer care team is always accessible to guide clients on how to do it.

However, the process is simple, as one is only required to send the picture of their correctly filled checks for processing.

How does Citibank’s mobile check deposit work?

Customers using the Citibank app are expected to only key in the details of their check as it appears in the images of their checks and submits them for processing.

The process takes less than 30 minutes before the check is fully processed and confirmed.

How does Fidelity mobile check deposit work?

On the Fidelity mobile app, you are required to tap the ‘deposit checks’ option and follow the steps to successfully deposit your check from your locality without having to visit the bank.

However, if the pictures of your uploaded checks are not clear, the process may be canceled.

Mobile deposit fake check – Fraud & Penalties

Counterfeit checks are usually rejected instantly after confirmation. Individuals can engage in these illegal activities by stealing checkbooks and making fake stamps.

In other instances, individuals can steal checks and attempt to deposit them through mobile apps, and giving false information, hoping the process will be successful.

Individuals who are found engaging in fake check businesses can be imprisoned or fined heavily, depending on the state laws of a particular country.

In other states, the suspects can both be fined and jailed when found guilty of dealing with fake checks.

I deposited a fake Check into my Account (or an ATM)!

Attempting to deposit a fake check into your ATM or account will raise integrity questions about your business and your account may be blacklisted or closed indefinitely until the investigation concerning the matter is complete.

Penalty for Depositing Fake Check

Individuals who are found engaging in fake check businesses can be imprisoned or fined heavily, depending on the state laws of a particular country.

In other states, the suspects can both be fined and jailed when found guilty of dealing with fake checks.

FAQ on Mobile Check Deposit

The following are the questions that are mostly asked across the various platforms about mobile check deposit

Can I deposit a Scanned check?

Yes, you can deposit such a check, but not all banks allow it. So, confirm with your bank by contacting them through their customer care service number.

How does remote deposit capture work?

The remote deposit allows you to snap or scan the image of your checks instead of moving the physical checks around. It happens through an encrypted internet connection to avoid the loss of sensitive information and checks.

Can you go to Jail for depositing a Fake Check?

Yes, you can be jailed as long as it is proven that you intentionally deposited the fake check. Therefore, you need to be careful when depositing checks.

References on Mobile Check Deposit

• 1: What is Mobile Check Deposit?
• 2: Mobile Banking App for iPhone and Android
• 3: What is Remote Deposit Capture?

READ: Mobile check deposit availability at Chase ATM