Get up to $500^{^} before payday.

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.

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.

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 per advance.

We believe in transparency. When you use MyPay, there is never any interest*, no credit check, and no mandatory fees.

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.

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.

At Chime, we believe you should get your pay as soon as possible. With Get Paid Early⁷, 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.

SpotMe⁸ is 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, Credit Builder 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 take an advance, up to $500^ any day before payday, depending on your credit limit, per pay period.

Chime makes money primarily by collecting a portion of something called an interchange fee. An interchange fee (also called a swipe fee) is a fee that’s designed to cover the cost of processing debit or credit card transactions electronically. The merchant that accepts a debit or credit card as payment pays an interchange fee back to the card issuer. This is how Chime can continue building new and better products that help members get the most from their money.

Chime charges a fee if you withdraw cash from out-of-network ATMs or make over the counter (OTC) withdrawals. The fee is $2.50, and again, it only applies to out-of-network ATMs or OTC withdrawals.

You can withdraw cash without a fee at more than 50,000 Allpoint or Visa Plus Alliance ATMs or MoneyPass ATMs located in retailers you love, like Target and inside 7-Eleven locations. MoneyPass® ATMs not in a 7-eleven location will be subject to fee(s). Refer to your Chime app on how to find in-network ATMs.

Cash deposits⁹ are fee-free for Chime members at checkout counters at Walgreens and Duane Reade stores. Cash deposits made at other locations may incur a fee, which is charged by the merchant and not Chime.

While there is no mandatory fee to use MyPay and you can receive your advance fee-free* within 24 hours of requesting it, you have the option to get your MyPay advance instantly for a $2.00 fee.