Chime’s newest product, MyPay®, gets money in your pocket when you choose – no more counting down the days until payday when you want to book last-minute concert tickets or a night out with friends.
MyPay is a game-changer for accessing your pay, but before you can use it, take the time to see if you are eligible for MyPay and if you live in a state where MyPay is currently offered. Let’s dive right in:
What are the eligibility requirements for MyPay?
Here are the requirements you need to fulfill in order to be eligible for MyPay:
- You are at least 18 years old.
- You have or open a Chime Checking Account that is active and in good standing.
- You have activated your physical Chime Visa® Debit Card and/or Chime Credit Builder Visa® Credit Card.
- You have the Chime app on your device.
- You have done one of the following to make you eligible for MyPay:
- Received 2 qualifying direct deposits of $200 or more per deposit in the last 36 days, or:
- Received 1 qualifying direct deposit of $200 or more in the last 36 days and added information like your work email or work address during MyPay enrollment to verify your employment, or:
- Received 1 qualifying direct deposit of $200 or more in the last 36 days from a known government benefits payer.
- You live in a state where MyPay is available.
Note that these are the minimum requirements to be eligible for MyPay, but there are other situations where you wouldn’t be able to access MyPay, which we will get into below.
These eligibility requirements may be updated in the future: check the Bancorp MyPay Agreement or Stride MyPay Agreement for the latest MyPay eligibility requirements.
What is a “qualifying direct deposit” for MyPay?
Great question! Any of the following deposits count as a qualifying deposit for MyPay:
- A deposit from an employer
- A deposit from a payroll provider
- A deposit from a gig economy payer
- A deposit from a known government benefits payer
- Other deposits made by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”)
The following deposits do not count as qualifying deposits for MyPay eligibility:
- Bank ACH transfers
- Pay Anyone transfers
- Verification or trial deposits from financial institutions
- Peer-to-peer transfers from services like PayPal, Cash App, or Venmo
- Mobile check deposits
- Cash loads or deposits
- One-time direct deposits like tax refunds
What states have MyPay eligibility?
Right now, MyPay is only available to eligible Chime members in certain states. We are working around the clock to get MyPay available in more states!
At the moment, you can access MyPay if you are an eligible member with a permanent address in one of these 33 states or territories:
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States without MyPay eligibility
At the moment, MyPay is currently not available to members who live in these states:
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Other reasons you may not be able to access MyPay
Even if you meet the eligibility requirements above, there are a few instances where you may not be able to access MyPay, such as:
- You have a high usage of certain products – To encourage members to unlock financial progress™ and reduce debt, you may not be eligible for MyPay based on your Chime repayment and deposit history.
- Account security – Sometimes, accounts that have had suspicious activity may not be able to access MyPay. Contact customer service if you feel your account may have been flagged for suspicious activity.
Eligible? Try MyPay
If you’re eligible and you live in a state where MyPay is available, you’ll receive an email and a notification in your Chime app inviting you to enroll in MyPay. As a reminder, there is no credit check to enroll. Just follow the prompts!
Once you enroll in MyPay, you’ll be able to see your available now amount, which is the maximum amount you can take as an advance at any given moment. This amount accrues each day. You’ll also be able to see your credit limit, which is the maximum amount you can access in a pay period (in between pay days), up to $500.^
Most members’ credit limits start between $50 to $100, and can increase over time up to $500 depending on factors such as length and amount of your direct deposit activity.
Learn more about how MyPay credit limits work.
Start using MyPay to get paid when you say.™ Find out how MyPay works and how to access your pay conveniently in the Chime app.
FAQs
What if I used to have access to My Paycheck?
If you previously lost access to My Paycheck, we will let you know if MyPay becomes available in your state if you meet all eligibility requirements. Please note that if you previously had an unpaid outstanding My Paycheck balance before access was shut off, you will need to pay that balance before being able to enroll in MyPay.
Please contact customer service if you need help making a manual payment to clear your balance.
Are there other situations where I may lose MyPay access?
It is possible to lose MyPay access even if you have met the eligibility requirements. For example, you may not be able to access MyPay if your next direct deposit does not arrive within 36 days of your last direct deposit.