However, in general, Chime direct deposits typically hit your account early in the morning, usually between 12 a.m. In most cases, direct deposits will arrive earlier than that, and the exact time will vary from person to person. However, many Chime users are curious about what time their direct deposit will hit their account.Īccording to Chime’s official blog, direct deposits should hit your account by 5:00 PM ET Monday to Friday, unless it’s a federal or banking holiday. Direct deposit is a convenient way to receive your paycheck, tax refund, or other payments directly into your bank account. Chime is a mobile banking app that offers a range of financial services, including direct deposit.