Does your first direct deposit with chime come 2 days early

New updates are being added at the bottom of this story…….

Original story (published on March 16, 2022) follows:

Chime bank is an American fintech service that seeks to provide easy access to the financial system without all the complications that opening an account at a bank may entail.

Unlike traditional banks, Chime does not have physical branches, so its customers manage their accounts online. The service even offers a free Visa debit card to use your money.

However, many Chime users are currently facing issues due to the delayed direct Walmart deposit or in other cases payment not being received (1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11).

According to multiple reports, many users who were supposed to receive a Walmart direct deposit through Chime are still waiting for their money.

2 Day Early Direct Deposit

Anyone else not receiving their direct deposit today? I can’t tell if it’s Walmart or Chime with the issue. I’ve seen people say that they’ve called Chime and there’s an outage. However; when I called they said everything’s fine and they’d let me know if there was some kind of outage. So are people just liars (obviously) and it’s Walmart payroll being lazy because of the bonuses?
Source

Haven’t received mine either and I ALWAYS get it at 1:37pm PST. Chatted with chime and they provided info stating no delays, generic response, etc. Nothing wrong going on with Payroll either.

This sucks. I have no gas left after getting off of work and was hoping my money would arrive on time, just as it has the past 3 years.

Update 4pm PST – nothing. Literally stranded inside my car with no gas next to the station waiting for this DD to hit so I can get gas and drive home. This hurts, this SUCKS.
Source

The issue is frustrating many Chime users as they are not receiving their money in time to be able to use it for pending payments.

Official acknowledgment, people outside Walmart affected too

Both the Chime and Walmart teams have released an official acknowledgment of the matter.

Apparently, the whole problem is due to a service disruption on the Walmart payment platform. So, the Chime team can’t do anything to resolve the issue.

Hey Amanda! We are aware that some of our members may be experiencing delays receiving their direct deposit from Walmart due to a reported service disruption at Walmart. We don’t yet have an estimate on when the issue will be fully resolved.
Source

Meanwhile, the Walmart team confirms the above and points out that they are actively working to resolve the issue as soon as possible. However, there are no details on an ETA for it yet.

We are currently experiencing technical difficulties and are actively working on a resolution, Kristie. We apologize for the inconvenience. Please stay tuned.
Source

But, reports from Chime users who don’t work at Walmart indicate that they are facing the delayed direct deposit issue too. So, Chime could have more responsibility than they say (1, 2, 3, 4, 5, 6, 7, 8, 9).

@Chime I don’t work for Walmart, so I’m not sure why it’s delaying for me and my coworkers who have Chime. However, the other bank I have still hasn’t come through either.
Source

There are also reports indicating that Walmart workers with another bank did receive their payment without problems.

Then why did people that work for walmart and use a different bank get paid? It’s only people that bank with chime that did NOT get paid.
Source

Problems with delayed payments through Chime are also reflected in the Down Detector platform.

We will update this story as events unfold.

Update 1 (May 6, 2022)

04:59 pm (IST): Many users are again reporting that they are not receiving their direct deposit. And those affected have taken to Twitter (1, 2) to report this issue.

Unfortunately, the support team hasn’t yet acknowledged it. However, we will keep tabs on the latest development and inform you as and when anything noteworthy comes up.

Update 2 (May 12, 2022)

03:56 pm (IST): It seems that the recent issue with Chime bank deposits has been resolved as we haven’t come across any fresh user reports on Twitter.

Update 3 (May 19, 2022)

03:41 pm (IST): Several Chime bank users are again reporting that they aren’t receiving their direct deposits.

Unfortunately, the support team hasn’t yet acknowledged this issue. However, we will keep tabs on the latest development and post an update as we get anything noteworthy.

Update 4 (May 20)

04:30 pm (IST): Users are still reporting the issue where they aren’t receiving direct deposits. However, Chime bank is yet to address this issue.

Update 5 (May 23, 2022)

12:32 pm (IST): Chime bank support on Twitter is now privately responding (1, 2) to the affected users regarding this issue. However, the bank hasn’t yet acknowledged it publicly.

Update 6 (May 24, 2022)

10:55 am (IST): Here’s a possible reason why direct deposits are not working for Chime bank users.

Hey there! As of recently, the Federal Reserve Board requires all mobile check deposits to be endorsed with the name of the intended banking institution where they are deposited. To submit your check at another bank, make sure the check provider reissues a new check for you. (Source)

Update 7 (May 25, 2022)

03:43 pm (IST): While fresh user reports (1, 2, 3, 4) regarding the direct deposit issue continue to pour in, Chime bank is yet to make any official statement about the same.

Update 8 (May 26, 2022)

05:36 pm (IST): Chime bank support team is now blaming employers for late deposits. Here’s the full statement.

Hi there! You can receive your direct deposit up to 2 days early. However, this depends on your employer or payroll provider. Deposits can post at any time during the day (Monday through Friday, excluding bank holidays), because it hits your account as soon as we receive it. (Source)

Update 9 (May 27, 2022)

03:55 pm (IST): While the bank is yet to acknowledge any issue with delayed deposits for its customers, there’s more disappointment on the way as those who’re expecting deposits on Monday will have to wait a day more due to it being a bank holiday (Memorial Day).

Hello Tameka, thank you for reaching out. If your deposit falls on a bank holiday, it’ll post on the following business day! (Source)

Update 10 (June 3, 2022)

06:00 pm (IST): Fresh user reports on Twitter suggest that many Chime bank users are again facing issues with direct deposits. Unfortunately, the support team has not yet acknowledged the issue.

Update 11 (June 17, 2022)

11:05 am (IST): Chime bank users are again reporting that they aren’t receiving their direct deposit on time. Unfortunately, the support team hasn’t yet acknowledged the problem.

Update 12 (June 23, 2022)

03:10 pm (IST): Many Chime bank users are again reporting issues with delayed direct deposits, while the bank is giving generalized responses to user complaints.

Update 13 (August 18, 2022)

04:08 pm (IST): Chime bank users are once again reporting (1, 2, 3, 4) that they are facing issues with direct deposit. Unfortunately, the support team hasn’t yet acknowledged the problem.

Update 14 (August 19, 2022)

07:42 pm (IST): The issue with direct deposit should now be resolved as we haven’t come across any fresh reports from Chime bank users.

Update 15 (August 25, 2022)

11:27 am (IST): Many Chime bank account holders are once again reporting that they aren’t receiving direct deposits.

Unfortunately, Chime bank support hasn’t yet acknowledged the issue. Instead, they are suggesting those affected that they didn’t receive direct deposits due to bank holidays.

Hey Jo, thanks for reaching out! All deposits are posted from Monday to Friday, except for bank holidays. If your deposit falls on a bank holiday, it’ll post on the following business day! 👍 (Source)

Update 16 (August 26, 2022)

06:15 pm (IST): The issue with direct deposits appear to have been resolved as reports from Chime bank account holders on Twitter have vanished.

Update 17 (August 30, 2022)

05:54 pm (IST): Some Chime bank account holders are unhappy (1, 2) with the customer support as they aren’t able to fix the issue with direct deposits for them.

Update 18 (September 1, 2022)

06:03 pm (IST): Chime bank support now say that there are currently no issues with their service and deposits can come through at any part of the day.

However, those affected still believe that there is something wrong with the service and asking the bank to admit it.

Hey there! Our systems are up and running as normal. Chime will make your money available once we receive it. Deposits do come in throughout the day, so if you don’t receive your deposit in the morning, it can come into your account during the afternoon, or evening as well. (Source)

Update 19 (September 2, 2022)

06:33 pm (IST): Chime bank is reportedly informing its users via emails that they are changing the way deposits work in order to approve more checks. However, the new process might result in delayed deposits.

Update 20 (September 29, 2022)

01:53 pm (IST): Many Chime bank account holders have taken to Twitter to report that they aren’t receiving direct deposits in their bank accounts. Unfortunately, the support team hasn’t yet acknowledged this problem.

Update 21 (September 30, 2022)

05:03 pm (IST): Responding to user complaints, Chime bank support is now telling those affected that they will get an email from their Member Services team.

Thanks for providing that – keep an eye out for an email from our Member Services team soon! (Source)

Update 22 (October 27, 2022)

11:59 am (IST): Many users have taken to Twitter and Downdetector to report that Chime bank is currently down or not working for them.

Reports suggest that the complete service is down and not just the direct deposit. Unfortunately, the support team hasn’t yet acknowledged the outage.

Update 23 (October 28, 2022)

05:30 pm (IST): It appears that the recent outage with Chime bank’s services has now been resolved as we haven’t come across many fresh reports.

Update 24 (November 9, 2022)

09:54 am (IST): Many users have taken to Twitter to report that Chima bank is currently down or not working for them. Moreover, an instantaneous spike in the number of reports on Downdetector also suggest the same.

Update 25 (November 10, 2022)

17:32 pm (IST): It appears that the recent Chime outage has now been resolved as we haven’t come across many fresh reports.

Update 26 (November 17, 2022)

04:14 pm (IST): Multiple reports indicate that Chime bank users are struggling with delays in direct deposits again (1, 2, 3).

Featured Image: Chime

PiunikaWeb started as purely an investigative tech journalism website with main focus on ‘breaking’ or ‘exclusive’ news. In no time, our stories got picked up by the likes of Forbes, Foxnews, Gizmodo, TechCrunch, Engadget, The Verge, Macrumors, and many others. Want to know more about us? Head here.

How long does direct deposit take the first time chime?

Will you get your first direct deposit early with chime?

Does chime pay 2 days early on first payment?

Why am I not getting my money two days early with chime?