Unlocking
America’s pay

Keep your eyes open! If you spot our vault truck rolling down the street or highway near you, scan the QR code on the side of the vault to enter to win. We are trekking across the country starting in New York City, then over to Philadelphia, down to Houston, over to Phoenix and finally wrapping up in San Francisco. You can catch us anywhere along the way, and stop by our pop-up experiences in New York City (Sunday 9/1, 2-6pm at Flatiron Plaza) and in San Francisco (Friday 9/13, 9-12pm at Embarcadero Plaza).

Chime is giving away a total of $500,000 during the truck vault tour between Sept. 1-13. Each eligible person who enters has the chance to win a $500 pay day.

We’ll randomly select 1,000 winners after truck vault tour wraps on Sept. 13. Winners will receive their $500 payday in the form of a $500 Virtual Visa Gift card via email. See Official Rules for full details.

This schedule is long overdue for an overhaul. It dates back to the 1940s when payroll processing and bookkeeping were more time-consuming.⁸ Many employers chose this period to balance efficient management and frequent employee pay. While there may have been a reason for it more than 80 years ago, it now feels outdated and antiquated. Since then nearly every part of society has innovated to put convenience and consumers first, however, the way people get paid has remained the same. That’s why its time for a change. With MyPay you can get paid when you say.™️

No, there is not actually $340,000,000,000 in cash in the vault. There’s not any real cash – it’s just simulated! But it’s such a jaw-dropping amount of money Americans work hard for in this country that we wanted to build something to catch your attention. Looks like we did.

We think people have to wait too long to get their pay, creating unnecessary challenges and tradeoffs that limit everyday Americans from having control and freedom over their finances. The two week paycycle just doesn’t make sense and holds people back. MyPay is changing all that.

We are on tour with our truck vault to point a much-needed spotlight on the outdated schedule we are paid on, and to show people that there’s a new way to unlock financial progress in their lives. The vault is a representation of the magnitude of the challenges people face with our outdated pay cycle. Chime is here to change that with MyPay.

You must be 18 years or older and a citizen of the United States. Only one entry per person. Check out our Official Rules for full details visit chime.com/mypaysweeps-official-rules.

Be on the lookout! Even if our truck vault isn’t stopping or passing through your town, you could catch a glimpse of it on the road in-between. It’s a massive vault, the size of a semi-truck—representing the jaw-dropping $340,000,000,000 locked up in our pay cycle. It will be hard to miss!

We are so glad you asked! You can learn more about MyPay at www.chime.com/MyPay.

At Chime, we believe you should get your pay as soon as possible. With Get Paid Early⁹, 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.

SpotMe~ 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 deposits¹⁰ 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.