To see if a Chime pending deposits go to the 'pending' tab on the main screen. You'll see a greyed outline. The amount will have posted on your next pay date, but if you're making your deposit on a weekend or a bank holiday, it will likely not post until the next business day. However, it's best to check your Chime app frequently to ensure that you haven't missed a deposit.
Using the Chime app on holiday, your deposit will not be processed. The bank might be busy processing your payment, and your funds might be delayed. This is called a grey transaction. It can take a day to be approved, and it's even worse on weekends. Check the status of your Chime spending account to see if your money is ready. If you've received a transaction that's been declined, you can cancel it by entering the bank account number and confirming that you don't wish to receive it.
How do Bank Holidays affect Chime Direct Deposits?
When you're preparing to pay your bills, you should be aware of whether Chime will process your deposit on a bank holiday or not. In most cases, you can deposit money anytime from Monday to Friday, except for federal and bank holidays. The exception is when a direct deposit will occur on the weekend, and it will appear on Monday after the weekend. So, for example, if your payday falls on a Friday, your funds might not be available until Monday, so it's essential to know when your paycheck will come in.
In general, ACH transactions take place from Monday through Friday. However, bank holidays will delay your deposit by one business day. Typically, deposits will be posted on the next business day. If you request an advance before a bank holiday, you can deposit your money before the holiday. Bank holidays, such as Christmas and Thanksgiving, will delay the transfer of funds to your bank account. Therefore, if your paycheck falls on a bank holiday, deposit your money before 9:00 AM on Monday to avoid a delay.
When checking your account, keep in mind that the process can take several business days, and you can't spend the money until it clears. So if you're planning on making a large payment, it's best to schedule the transfer before the bank holiday. Otherwise, you could get late fees and not be able to withdraw the money. Luckily, most banks allow you to set your account balance on your bank holiday and send it out on the next day.
Your Chime direct deposit will be processed on holiday to your employer and the payroll provider. First, make sure they have your company's correct routing and account numbers. Then, set your Chime - Mobile Banking app to receive notifications of any changes in your account status. If you're experiencing a problem on holiday, contact your employer to let them know. If you have an online banking account, you can choose to process your direct deposit on these bank holidays as early as possible.