Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

The best way to access your pay.

Get MyPay® and more when you move your paycheck to Chime.

  • Get your pay any day, fee-free*
  • Deposited in 24 hours or less for free
  • Credit building, no overdraft fees, and more
MyPay App Screen

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 MyPay and so much more:

MyPay
Get $500 of
your pay
before
payday^
Access your money fee-free within 24 hours / instantly for a $2 fee. No mandatory fees. No credit check. No interest.*
Build credit
Everyday purchases and on-time payments can help build your credit1 with the secured Chime Credit Builder Visa® Credit Card.2
Fee-free overdraft up to $2003up to $2003
on any Chime card transactions and cash withdrawals.
50k+
fee-free ATMs4
That’s more than
the top 3 national banks combined.#
No monthly fees
No fees to sign up, no monthly service fees, and no minimum balance fees.
How to get MyPay

It all starts with
direct deposit.

Move your paycheck to Chime (yep, that’s what
direct deposit means). Then the magic happens...

Get started

Take MyPay®
for a test drive.

Once you set up qualifying direct deposits, you’ll unlock access to MyPay. Give it a try and see how it works for you.

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See what's available.

View the amount you can take as an advance.

Tap “Get money”
to begin.

This is a demo.

Any actions taken during the demo are for educational purposes only and will not be reflected in your actual Chime account.

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Choose
your amount.

Take an advance for any amount, starting at $20 up to your credit limit, which can go up to $500 over time.

Click on the 0 and enter the amount you want on your keyboard.

Tap and enter the amount you want.

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Select
your speed.

Get paid instantly for $2, or within 24 hours, entirely fee-free*.

pointer

Choose when to get your advance.

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Enjoy your payday.

Your advance will be repaid with your upcoming qualifying direct deposits~.

You just received $ in your Checking Account, and all on your schedule.

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Feel those payday vibes, any day.

Get up to $500 of your pay when you want. It's money at your fingertips.

Sign up for Chime
MyPay Notification

Simply put, you get
more with Chime.

Move your paycheck to Chime and unlock MyPay + more — benefits you won’t get anywhere else!

Chime
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#1 Most Loved Banking App9 with no monthly fees
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Fee-free daily access to pay*
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Fee-free overdraft1
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Fee-free credit building+
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Early payday (up to 2 days)10
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50k+ fee-free ATMs4
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#1 Most Loved Banking App9 with no monthly fees
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Fee-free daily access to pay*
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Fee-free credit building+
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Early payday (up to 2 days)10
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50k+ fee-free ATMs4
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View more

With MyPay I am able to take care of anything that life throws at me, such as last minute bills or just having a little money in my pocket for myself to enjoy.

My score went up over 60 points and I bought my first car.12

Early payday guarantees that I can make it to any gig, any rehearsal, anytime.10

Real Member. Paid testimonial.

Ready to get paid on your schedule?

Your money. Now.
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Your money. Now.
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MyPay
resources.

MyPay app screen on a phone device

What is MyPay®, and How Does MyPay Work?

Learn more

What Is On-Demand Pay?

Learn more

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 per advance.

What’s the catch?

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

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 Early10, 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.

SpotMe3 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.

How does Chime make money?

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.

Does Chime charge any fees?

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 deposits11 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.