Key takeaways
Chime's 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
To qualify, you need an active Chime Checking Account and at least one qualifying direct deposit of $200 or more in the last 36 days
You can receive funds free within 24 hours, or get them instantly for a 3% fee ($2 min, $5 max per advance)
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 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?
Chime Plus™
Chime members with qualifying direct deposits of at least $200 will receive:
MyPay®: As a Chime Plus™ member, you can access up to $500 of your pay before payday.1 You can get funds for free within 24 hours, or choose to get them instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance.
SpotMe®: Short on cash? Not a problem with SpotMe. Our SpotMe feature allows you to overdraft up to $200 on debit card purchases with no overdraft fees.2
High-Yield Savings: All Chime Plus members get 2.75% APY3 on their high-yield savings account4. Saving with a specific goal in mind? Use Chime's new Savings Goals feature.
Chime Deals®: Gain access to exclusive cashback deals at top retailers nationwide. Earn cash back when you use any Chime card for everyday purchases on groceries, gas, dining, and more.5
Priority Support: At Chime, we take customer service seriously – and we strive to answer your questions as quickly and helpfully as possible. All Chime members can talk to a real human 24/7 when they need help, but Chime Plus members will have expedited response times to answer questions about their account.
Get Paid Early: Get paid up to two days early6 when you set up a direct deposit to your Chime account.
Chime Prime™
Building on the perks of Chime Plus, Chime Prime members with qualifying direct deposits7 of at least $3,000 over the span of 34 days will be entered into the Chime Prime membership tier, which grants the benefits of Chime Plus, as well as:
Instant MyPay®: With MyPay, eligible Chime members can choose to receive funds within 24 hours at no cost, or instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance.1 As a Chime Prime™ member, once you qualify for MyPay you'll get a starting MyPay credit limit of at least $100 available instantly, giving you faster access to a portion of your pay when you need it most.
Higher APY: Chime Prime members receive 3.75% APY3 on their Chime savings account.
Travel perks: Exclusive travel and lifestyle perks are available, including a Complimentary Priority Pass™ membership8, Visa luxury hotel benefits9, and access to the Visa Signature Concierge10.
Direct deposit of at least $3,000 does not guarantee access to the maximum limits of $500 MyPay and $200 SpotMe. Higher limits depend, in part, on direct deposit amount, as well as other risk factors.
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!
As of May 7 2026, you can access MyPay if you are an eligible member with a permanent address in one of the following states or District of Columbia:
• Alabama • Alaska • Arizona • Arkansas • California • Delaware • Florida • Georgia • Hawaii • Idaho • Indiana • Iowa • Kansas • Kentucky • Louisiana • Maryland • Michigan • Mississippi • Missouri • Nebraska | • Nevada • New Hampshire • New York • North Carolina • North Dakota • Ohio • Oklahoma • Oregon • Pennsylvania • Rhode Island • South Carolina • Tennessee • Texas • Utah • Virginia • Vermont • Washington D.C. • West Virginia • Wisconsin |
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States without MyPay eligibility
At the moment, MyPay is currently not available to members who live in these states:
• Colorado • Connecticut • Illinois • Maine • Massachusetts • Minnesota | • Montana • New Jersey • New Mexico • South Dakota • Washington • Wyoming |
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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 $500.1
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.