Bank Direct Deposit Timing Simulator
Find out exactly what day and time your Social Security or SSI money posts to your specific bank or credit union account. Compare Chime, SoFi, Chase, Wells Fargo, and Direct Express® posting windows.
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Chime Bank
Deposit Release Window & Posting Pattern
Expected Timing: Mon-Tue afternoon (1:00 PM - 5:00 PM EST) prior to scheduled Wednesday
Releases funds immediately upon receiving the Treasury ACH pre-notification file.
Official Primary Data Sources
Verified against federal statutes, agency publication manuals, and Federal Reserve rules.
Official annual disbursement schedule detailing 2nd, 3rd, and 4th Wednesday delivery dates.
Federal statutory regulation governing staggered Wednesday payments based on beneficiary birth dates.
Standard banking holidays (Title 5 U.S.C. 6103) governing prior-business-day deposit shifts.
Consumer Price Index for Urban Wage Earners used for statutory COLA calculations under 42 U.S.C. § 415.