This is because Bank of America is a bank and Chime is not. Regulation CC requires much of what you just listed. First $200 available fast, and within a few day

This is because Bank of America is a bank and Chime is not. Regulation CC requires much of what you just listed. First $200 available fast, and within a few days, the first $5000. > But remember, the Expedited Funds Availability Act requires the first $200 of a deposit that is not already subject to next-day availability to be made available by the first business day following the day of deposit. > Deposits into accounts of new customers (open for less than 30 days)--Next-day availability applies only to cash, electronic payments, and the first $5,000 of any other next-day items; the remaining amount from next-day items must be available by the ninth business day. You may choose any availability schedule for deposits of other checks into the accounts of these new customers. https://www.federalreserve.gov/pubs/regcc/regcc.htm https://www.federalreserve.gov/pubs/regcc/regcc.htm https://en.wikipedia.org/wiki/Expedited_Funds_Availability_Act https://en.wikipedia.org/wiki/Expedited_Funds_Availability_A...