The best way to access your pay.®
Get MyPay® and more when you move your paycheck to Chime.
Get up to $500 of your pay any day1
Deposited in 24 hours or less for free
No interest, no credit check, no mandatory fees2
Come for MyPay. Stay for all that Chime offers.
When you set up direct deposit (which we make super easy to do), you get access to MyPay1 and so much more:
Get up to $500 of your pay before payday1
Access your money fee-free within 24 hours / instantly for $2 to $5 per advance. No mandatory fees. No credit check. No interest.2
Get up to $500 of your pay before payday1
Get up to $500 of your pay before payday1
Access your money fee-free within 24 hours / instantly for $2 to $5 per advance. No mandatory fees. No credit check. No interest.2
Cash back and credit up
Get 1.5% cash back3 on rotating categories and stress-free credit building.4
Cash back and credit up
Cash back and credit up
Get 1.5% cash back3 on rotating categories and stress-free credit building.4
Fee-free overdraft up to $2005
On any Chime card transactions and cash withdrawals.
Fee-free overdraft up to $2005
Fee-free overdraft up to $2005
On any Chime card transactions and cash withdrawals.
47K fee-free ATMs6
That’s more than the top 3 national banks combined.7
47K fee-free ATMs6
47K fee-free ATMs6
That’s more than the top 3 national banks combined.7
No monthly fees
No fees to sign up, no monthly service fees, and no minimum balance fees.
No monthly fees
No monthly fees
No fees to sign up, no monthly service fees, and no minimum balance fees.
It all starts with direct deposit.
Move your paycheck to Chime (yep, that’s what direct deposit means). Then the magic happens...
Set up direct deposit.
This helps estimate how much you can access between paychecks. You’ll unlock MyPay within 1-2 direct deposits8.
Watch your limit rise.
Keep getting paid into your Chime account and you could reach a limit up to $500.
Unlock your pay.
Use MyPay as often as daily–the amount you can access from your pay refreshes as you work.
Simply put, you get more with Chime.
Move your paycheck to Chime and unlock MyPay + more — benefits you won’t get anywhere else!
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#1 Most Loved Banking App12 with no monthly fees |
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Fee-free daily access to pay8 |
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Fee-free overdraft5 |
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Fee-free credit building4 |
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Early payday (up to 2 days)13 |
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47K fee-free ATMs6 |
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1.5% cash back3 on rotating categories with Chime Card14 |
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3.00% savings APY15 |
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Direct deposit unlocks MyPay® and more, with Chime+
Unlock even more of Chime plus exclusive benefits, for free with your qualifying direct deposit16.
Now that I have access to MyPay, you couldn't ask me to go back. It helps out with everything in my life.
With MyPay I am able to take care of anything that life throws at me, such as last minute expenses, last minute bills or just having a little money in my pocket for myself to enjoy.
Thanks to MyPay, I can live life a little easier. I have access to my money, when I need it! That type of peace of mind is almost unheard of!
Real members. Paid testimonials.
Safe, secure & trusted by millions.
Block your card
If your card is missing or you suspect unauthorized use, you can block all transactions on your Chime Debit Card and Chime Card. Open the Chime app and disable transactions to immediately prevent new debit or credit card purchases or ATM withdrawals.
Real-time alerts
Chime allows you to receive instant transaction alerts anytime you use your Chime debit card. Turn on daily notifications so you always know what’s happening with your money.
Privacy and security
We support two-factor authentication and support fingerprint authentication.
Visa® Zero Liability
Chime cards are backed by Visa’s Zero Liability Policy.17 You're covered if your card is lost, stolen, or fraudulently used.
Ready to get paid on your schedule?
Have questions about MyPay?
How do I determine my MyPay line of credit limit and available amount?
During each pay period, you are able to see your credit limit and the amount that is available to you to access that day. Money available to you can be accessed right from the Chime mobile app, and is transferred directly into your Chime Checking Account. The minimum amount that can be advanced at a time is $20, and the maximum is your available amount, up to your credit limit. 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.
Still have questions? Learn more about how MyPay works on our blog.
Is MyPay available only in certain states?
Right now, MyPay is available to eligible Chime members who live in the states listed in the Bancorp MyPay Agreement and Stride MyPay Agreement, provided all other eligibility requirements are met. We are working to expand our state eligibility.
How much does MyPay cost?
It is free to access MyPay and there is no optional tipping. There are no fees for scheduled advances, which arrive in your Chime Checking Account within 24 hours after requesting an advance. You can also choose to get money instantly for $2 to $5 per advance.
What’s the catch?
We believe in transparency. When you use MyPay, there is never any interest, no credit check, and instantly for $2 or $5 per advance2.
Will using MyPay impact my credit score?
Chime does not perform a credit check when you use MyPay, and we do not report your payment history to the credit bureaus. Certain members of the Armed Forces and their dependents can receive benefits under the Military Lending Act. When you enroll in MyPay, we will verify whether you are eligible for those benefits. This is not a credit check and it does not affect your credit score.
How do I get access to MyPay?
Start by setting up a $200+ qualifying direct deposit. You must have an activated physical Chime card, receive qualifying direct deposits, and live in a state where MyPay is offered. If you become eligible, you’ll be invited to unlock MyPay. Right now, MyPay is available to anyone who lives in the states listed in our eligibility requirements, provided all other eligibility requirements are met. We are working to expand our state eligibility.
How is MyPay different from Get Paid Early and SpotMe®?
At Chime, we believe you should get your pay as soon as possible. With Get Paid Early13, you can also get your paycheck up to 2 days earlier than you normally would when you set up a qualifying direct deposit to your Chime Checking Account.
SpotMe5 is a fee-free overdraft you don’t have to think about. If your account hits $0, SpotMe is there to cover you up to $200 on debit card purchases, Chime Card transactions, and cash withdrawals, as applicable, automatically, based upon your available limit. If you are enrolled in SpotMe, please check your Chime mobile app for details on your SpotMe limit.
MyPay puts you in control of payday by allowing you to take an advance, up to $5001 any day before payday, depending on your credit limit, per pay period.
How does Chime make money?
Chime makes money from the interchange fee charged on card transactions. Every time you use your Chime Visa® Debit Card or secured Chime Visa® Credit Card for purchases and paying bills, Visa processes the transaction and charges an interchange fee to merchants for the service. Chime receives a portion of this fee. This is how Chime can continue building new and better products that help members get the most from their money.
Does Chime charge any fees?
We have no fees to sign up, no overdraft fees, no monthly service fees, no minimum balance fees, and no card replacement fees either.
In specific circumstances a fee will be applied, please check the Chime Fees Info site for the most up-to-date information on fees.
Please note that third-party services, such as money transfer services used to deposit funds or out-of-network ATM may charge a fee. You can access your money at 47,000+ in-network fee-free ATMs6.
