How to Cash a Check on Chime

How to Cash a Check on Chime: A Step-by-Step Guide

In today’s digital age, online banking has revolutionized how we manage our finances. Chime, the popular online banking platform, offers users a seamless experience to cash checks without the hassle of visiting a brick-and-mortar bank branch. You’ve come to the right place if you’re new to Chime or unsure how to cash a check on their platform. In this article, we will walk you through the easy steps to cash your checks using Chime, ensuring you have swift access to your funds without any extra fees or delays.

Step 1: Download and Set Up the Chime Mobile App

To begin the check-cashing process on Chime, you must install the Chime mobile app on your smartphone. Download it from the App Store (for iOS users) or the Google Play Store (for Android users). After installation, open the app and follow the instructions to create your account or log in if you’re an existing Chime member.

Step 2: Ensure Your Eligibility

Before cashing a check on Chime, ensure you meet the eligibility criteria. Generally, you must have a valid Chime Spending Account with a positive balance and a good account standing.

Step 3: Enable Mobile Check Deposit Feature

To cash a check through Chime, ensure you have enabled the Mobile Check Deposit feature in the Chime app. This feature allows you to deposit funds into your account by simply taking a photo of the front and back of the check.

Step 4: Capture Images of the Check

Once the Mobile Check Deposit feature is enabled, endorse the back of the check with your signature and the phrase “For Mobile Deposit Only.” Then, carefully place the check on a flat surface with sufficient lighting and capture clear images of both sides using the Chime app’s camera function.

Step 5: Submit and Wait for Approval

After capturing the check images, submit them through the app for processing. Chime’s advanced technology will securely verify the check’s details. Usually, the funds will be deposited into your Chime Spending Account within a few business days. However, the processing time may vary depending on the check amount and other factors.

Step 6: Keep the Physical Check

Once the funds are deposited into your Chime account, holding the physical check for a while is advisable. Store it safely until you confirm the funds have been credited to your account and the check cleared.


Cashing a check on Chime is a straightforward and secure process that saves you time and effort compared to traditional banking methods. By following this step-by-step guide, you can quickly access your funds through the Chime mobile app, making it an ideal solution for those seeking convenience and efficiency in managing their finances.