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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.
State eligibility
Right now, MyPay™ is not available in CO, CT, GA, HI, IL, MA, MD, ME, MN, MT, NJ, NM, NV, SD, VT, WA, WI, or WY. Sign up for Chime and we’ll let you know when we expand to your state.
Get paid
when you say.™
State eligibility > 
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Get up to $500^
of your pay beforepayday.
We believe in easy and flexible access to your own money when you want it. Finally, you’re in control and can navigate the time between paydays with confidence.
Most members credit limits start between $50-$100. Limits can increase as soon as the next pay cycle. Continue to use Chime and within a few months you could reach higher credit limits, up to $500.
Your pay,
on your schedule.
Get your pay within 24 hours entirely fee-free, or instantly for $2 per advance—your choice.
Take MyPay™
for a test drive.
Too good to be true? See how you can get up to $500 of your pay before payday, fee-free*.
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.
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.
Select
your speed.
Get paid instantly for $2, or within 24 hours, entirely fee-free*.
Choose when to get your advance.
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.
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
Why MyPay beats the competition.
Why MyPay beats the competition.
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!
Now that I have access to MyPay, you couldn't ask me to go back. It helps out with everything in my life."
Real Member. Paid testimonial.
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.
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.
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 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.
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 other 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 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.