How To Get Paid Up To 2 Days Before You Ever Receive A Paycheck - With Direct Deposit
Most people live paycheck to paycheck.
The average American is especially struggling to get by right now.
Are you constantly waiting for your paycheck to get out of the negative? Do you find yourself in a constant state of catching up on late payments?
There’s a banking service that heard your cries for help!
It’s called Chime.
All you have to do is set up direct deposit and you can get paid up to 2 days before you receive your paycheck.
It’s pretty crazy. They have no hidden fees! No monthly fees, No overdraft fees, No foreign transaction fees or even minimum balance requirements.
It’s no surprise that they are known as one of the fastest-growing bank accounts in North America.
Here’s how direct deposit works
With direct deposit, Chime can get you paid up to two days early*.
That can make living paycheck to paycheck or paying for an emergency a lot easier. You can then pay bills on time and avoid overdraft charges. And, if you’re especially thrilled to have your money faster, you can inform your co-workers of your smart financial move to Chime.
Where to get your money? Chime allows access to more than 38,000 fee-free MoneyPass® and Visa Plus Alliance ATMs. All without having to pay a fee.
Savings and spending accounts at Chime don’t charge monthly or overdraft fees. Automatic transfers to your Chime savings account can also be set up.
To increase your savings, use a Chime debit card to buy things, and the charge is rounded up to the nearest dollar. Buy a rake at the hardware store for $12.45 and $13 is debited from your account. The $0.55 difference is automatically moved to your Chime savings account. It’s automatic savings for your everyday spending.
They will also spot you (fee-free) up to $100* if you overdraft
Have you ever paid an overdraft fee for not having enough money in your checking account? It’s no fun.
The average overdraft fee is $33.36, according to a 2019 checking account and ATM fee study by Bankrate. Chime provides fee-free overdrafts up to $100 to eligible members.
If you overdraft your Chime account with a debit card purchase, Chime uses a feature called SpotMe and applies your next deposit into your Chime Spending Account to your negative balance.
When your SpotMe negative balance is repaid, you’ll have the option to leave an optional tip to pay it forward.
There’s even convenient mobile banking
Without ATMs or physical banks to visit, depositing checks with Chime isn’t impossible. Just take a photo of a check with Chime’s mobile banking app. You don’t need a deposit slip, wait in line, or send checks via email.
The mobile app can also be used to transfer money, pay bills, grow your savings account automatically, and send money instantly to friends. The app works on all smartphone mobile devices, including iPhone and Android devices.
The app sends you daily bank account balance notifications and instant transaction alerts whenever your debit card is used. You don’t even have to log in to check your balance.
If you’ve lost your debit card or noticed some suspicious charges, you can disable your card instantly on the mobile app. International transactions can also be shut off.
Want to divvy up the bar tab or split the rent bill, Chime’s mobile banking feature called Pay Friends allows you to send fee-free mobile payments to friends or family when they open an account with Chime. No transaction fees or monthly fees are charged for sending payments.
How fast can all of these and other banking benefits be yours? In less than two minutes you can apply for an account with no impact on your credit score. With high-paying savings accounts and the chance to get your paycheck up to two days early, it could be two minutes well spent.