So your money is kinda held for that small window of time until it’s “supposed” to be disbursed from your employers bank to your bank.

Generally this will allow enough time for checks and Direct Deposits via ACH disbursement to be ready or post by Friday when payment dates are normally scheduled for. Information gets finalized and transmitted to the Federal Reserve in nearly most cases by Wednesday. Most Employer Payroll info typically gets submitted over a weekend thru Monday/Tuesday. Now, for anyone wondering, if I remember correctly, the process for what happens is as follows. So it’s up to your job on how early you get paid. Basically when Chime sees your payroll information posted in the backend they simply credit your account whatever that payroll info says right there and then. It’s possible it could be much earlier or even later in the day.

Chime for me has consistently posted shortly right after 10 PM on Wednesdays, albeit tonight posted around 10:57. My main banks direct deposit usually posts anywhere from 2-3 AM on Friday.

Chime direct deposit delay