Chime’s mobile check deposit limit isn’t something we could confirm on Chime’s own pages, so check the limit shown in the Chime app. Chime is a financial technology company, not a bank; its accounts are provided by partner banks. Hold times for check deposits follow Regulation CC.
Chime Mobile Deposit: Key Facts
| Detail | Chime |
|---|---|
| Daily and monthly deposit limit | Check the Chime app or help center |
| Cutoff time | Check the Chime app |
| First $275 of a day’s check deposits | Next business day (Reg CC) |
| Other checks (there are no longer any nonlocal checks) | By the 2nd business day (Reg CC) |
Funds Availability Schedule
| Check Type | Latest Availability under Reg CC |
|---|---|
| First $275 of a day’s check deposits | Next business day |
| Other checks (there are no longer any nonlocal checks) | 2nd business day |
| Part of a day’s deposits over $6,725 | The standard schedule doesn’t apply; the bank sets the timing |
| New account (first 30 calendar days) | The $275 rule doesn’t apply |
Example: You deposit a $1,500 check on Monday before the cutoff. Under the rule, $275 is due Tuesday and the full $1,500 by Wednesday, the second business day. A bank may release funds sooner.
How to Make a Chime Mobile Deposit
- Endorse the check as the Chime app instructs
- Open the Chime app and find mobile check deposit
- Photograph front and back of the check in good lighting with all corners visible
- Enter the amount — double-check the written dollar amount on the check
- Submit before the cutoff shown in the app
- Keep the physical check until the deposit has posted, and for as long as the terms say, before you destroy it
If a check is larger than your limit, don’t split it into smaller deposits; ask Chime what to do or use another way to deposit it.
Cash Deposits: Green Dot Retail Network
Chime does not offer ATM cash deposits. For cash deposits, use the Green Dot retail network:
- Available at Walmart, CVS, Dollar General, and thousands of other locations; free at Walgreens and Duane Reade
- Fee: roughly $3.95–$4.95 per deposit at fee-charging retailers (charged by the retail partner, not Chime)
- Available immediately in your Chime account
This is a significant limitation compared to traditional banks where cash deposits at branches or ATMs are free.
Related Guides
- Chime transfer limits 2026 — ACH, Pay Anyone, and Instant Transfer details
- Chime ATM limits 2026 — $515/day, free ATMs
- Chime fees 2026 — mobile deposit is free; full fee schedule
- Chime routing number 2026 — for direct deposit setup
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