Chime’s mobile check deposit limit is $2,000 per day and $10,000 per rolling 30-day period. The cutoff time is 5:00 PM Eastern Time. This limit is lower than many online banks (USAA allows $10,000/day, Ally allows $50,000/day), but covers most typical payroll and personal check sizes.
Chime Mobile Deposit: Key Facts
| Detail | Chime |
|---|---|
| Daily deposit limit | $2,000 |
| 30-day rolling limit | $10,000 |
| Cutoff time | 5:00 PM ET |
| Fee | $0 |
| Immediate availability | Up to $200 (SpotMe members) |
| Standard availability | Next business day ($225) / 2–5 days (remainder) |
| Endorsement required | Sign + “For Chime Mobile Deposit Only” |
Funds Availability Schedule
| Check Type | Typical Availability |
|---|---|
| First $225 of any deposit | Next business day (Reg CC) |
| Payroll check | 1–2 business days |
| Personal check | 2–5 business days |
| Government check | 1–2 business days |
| SpotMe eligible ($200 early) | Immediately upon submission |
Example: You deposit a $1,500 payroll check on Monday before 5 PM ET. By Tuesday, $225 is available. By Thursday, the full $1,500 is typically released.
Chime Mobile Deposit vs Other Neobanks
| Bank | Daily Mobile Deposit Limit | Cutoff |
|---|---|---|
| Chime | $2,000 | 5:00 PM ET |
| Ally | $50,000 | 11:00 PM ET |
| USAA | $10,000 | 9:00 PM ET |
| SoFi | $5,000 | 11:59 PM PT |
| Discover | $10,000 | 8:00 PM ET |
| Varo | $2,000 | 5:00 PM ET |
Chime’s $2,000/day limit is on the lower end. For checks over $2,000 (e.g., insurance settlement, large tax refund), members need to either use a different bank or split the deposit over multiple days if the check can be split.
Workaround for large checks: If you receive a check over $2,000, deposit $2,000 with Chime on day one and the remainder on day two — up to the $10,000/30-day rolling cap.
How to Make a Chime Mobile Deposit
- Endorse the check: Sign the back and write “For Chime Mobile Deposit Only” below your signature
- Open Chime app → tap the Move Money icon → tap 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 5 PM ET for same-day processing
- Keep the physical check for at least 14 days after the deposit clears, then shred
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, Walgreens, CVS, Dollar General, and 90,000+ locations
- Fee: $3.95 per deposit (charged by the retail partner, not Chime)
- Limit: $1,000/day cash deposit
- 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 — $10,000/day ACH, Pay Anyone limits
- Chime ATM limits 2026 — $500/day, 60,000+ free ATMs
- Chime fees 2026 — mobile deposit is free; full fee schedule
- Chime routing number 2026 — for direct deposit setup
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