Deposit timing can be hard to discuss because the account may look normal while one payment is still not visible. Having chime phone number listed before contacting support is useful, but I also collect the expected deposit date, payer name, amount range, employer or benefits source, and screenshots from the app. The clearest request is usually not “where is my money,” but “can you tell me whether this deposit has reached the account system yet.” Keeping the wording specific helps. It also makes the answer easier to save in case the same issue returns near another bill date.