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The best way to access your pay.®
Get MyPay® and more when you move your paycheck to Chime.
State eligibility › 
Your money, right when you need it. That’s MyPay™.
Today. Tomorrow. Any Tuesday after a full moon. Yep, all are days you can get paid. With direct deposit, instantly access a portion of your pay.*
Simply put, you get more with Chime.
Move your paycheck to Chime and unlock MyPay + more — benefits you won’t get anywhere else!
Set up direct deposit.^
This helps estimate how much you can access between paychecks. You’ll unlock MyPay within 1-2 direct deposits85.
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.
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
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:
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 members. Sponsored content.
We take
security seriously.
FDIC Insured
Deposits are FDIC insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank N.A.; Members FDIC.†
Block your card
If your card is missing or you suspect unauthorized use, you can block all transactions on your Chime Debit Card and Credit Builder 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.
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 Early7610, 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.
SpotMe853 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 47,000 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.