Chime+ Terms and Conditions

Eligibility for Chime+ Status

1. Chime Checking Account. In order to be eligible for and obtain Chime+ status, you must have an active Chime Checking Account (“Checking Account”) in good standing and receive Qualifying Direct Deposits to your Checking Account. For Members with a Checking Account at The Bancorp Bank, N.A., please refer to this Deposit Account Agreement. For Members with a Checking Account at Stride Bank, N.A., please refer to this Deposit Account Agreement.
2. Qualifying Direct Deposits. To maintain Chime+ status, you must receive a Qualifying Direct Deposit to your Checking Account in the preceding 34 calendar days. A Qualifying Direct Deposit is deposit of $200.00 or more by Automated Clearing House (“ACH”) that comes from your employer, payroll provider, gig economy payer, or benefits payer, OR a deposit by Original Credit Transaction (“OCT”) from your gig economy payer. Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions are not Qualifying Direct Deposits.

Chime+ Status - Access to Additional Products and Services:

By setting up and receiving Qualifying Direct Deposits, you may have access to the below listed products and services. The products and services may have additional eligibility criteria and opt-in requirements. You will not gain automatic access to SpotMe^® or MyPay™ by setting up Qualifying Direct Deposits and obtaining Chime+ status. You must agree to the respective Member agreements in the applicable sign-up flow and meet all qualification criteria. You must have a Savings Account in good standing in order to receive the higher savings Annual Percentage Yield (“APY”). In the event that you no longer receive Qualifying Direct Deposits, you may lose your Chime+ status and access to the below listed products and services. The below Member agreements govern eligibility for the specific products and services. Please refer to those agreements for specifics on eligibility. With Chime+ status, you may have the opportunity to access the following:

1. Higher APY on the Chime Savings Account
   1. Members with Chime+ status will receive an interest rate of 3.92% and Annual Percentage Yield (“APY”) of 4.00%. To be eligible for higher APY on the Chime Savings Account (“Savings Account”), you must have a Savings Account that is active and in good standing and receive a Qualifying Direct Deposit (as defined in Section A, above) to your Checking Account in the preceding 34 calendar days. For any period while you maintain Chime+ status, the higher Chime+ interest rate and APY will apply to the balance in your Savings Account. When you are not eligible for Chime+ status, the lower interest rate and APY as set forth in your Savings Account Agreement will apply to the balance in your Savings Account. Eligibility for Chime+ status will be determined on an ongoing basis to see if you have received a Qualifying Direct Deposit within the preceding 34 calendar days. You may lose and regain Chime+ status dependent on your Qualifying Direct Deposit activity. The applicable interest rate and APY will apply to the periods of time when you have Chime+ status or do not have Chime+ status. Please refer to the Chime mobile app for your applicable interest rate and APY at any time.
   2. If you qualify for Chime+ on or after December 9, 2024 (the “Pilot Launch Date”) based on receipt of a Qualifying Direct Deposit within the preceding 34 days, then the higher Chime+ interest rate and APY will apply to the balance of your account starting on the Pilot Launch Date and continue as long as you are eligible for Chime+ status. If you do not qualify for Chime+ on or after the Pilot Launch Date, you will be paid the current 1.98% interest rate and 2.00% APY as set forth in the Savings Account Agreement until you receive a Qualifying Direct Deposit to your Chime Checking Account. On the date the Qualifying Direct Deposit is received, the higher Chime+ interest rate and APY will be applied to the Savings Account balance.
   3. This is a variable rate account. We may, at our discretion, change the interest rate and APY for the Savings Account at any time.
   4. Please see your Savings Account Agreement in your Chime mobile app for details of your Savings Account. Other than this change to the interest rate and APY for Members with Chime+ status, the provisions of the Savings Account Agreement continue to apply. For Members with a Savings Account at The Bancorp Bank, N.A., please refer to this Savings Account Agreement. For Members with a Savings Account at Stride Bank, N.A., please refer to this Savings Account Agreement. 
2. SpotMe on Debit – SpotMe on Debit is an optional, no fee service that provides eligible Members the ability to overdraft their Checking Account on debit transactions without incurring overdraft fees.
   1. To be eligible for SpotMe on Debit, you must receive a Qualifying Direct Deposit to your Checking Account in the preceding 34 calendar days, opt-in, and agree to the relevant terms. Access to SpotMe on Debit is not automatic. ​​ Users can overdraw their account up to $20 on debit card purchases and cash withdrawals initially but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. If transactions exceed account balance and SpotMe limit, the debit card will be declined and no overdraft fee is charged. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe won’t work on non-debit card transactions including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. For Members who had access to SpotMe on Debit prior to obtaining Chime+ status, your SpotMe on Debit experience will not change as a result of your Chime+ status, and continued eligibility requirements shall apply. For Members with a Checking Account at The Bancorp Bank, N.A., please refer to these SpotMe on Debit terms for more information, including eligibility criteria to access and maintain SpotMe on Debit. For Members with a Checking Account at Stride Bank, N.A., please refer to these SpotMe on Debit terms for more information, including eligibility criteria to access and maintain SpotMe on Debit.
3. SpotMe on Credit Builder – SpotMe on Credit Builder provides eligible Members access to an overdraft line of credit attached to their Secured Deposit Account.
   1. To be eligible for SpotMe on Credit, you must receive a Qualifying Direct Deposit to your Checking Account in the preceding 34 calendar days, opt-in, and agree to the relevant terms. Access to SpotMe on Credit is not automatic. SpotMe for Credit Builder is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying Members with an active Chime Credit Builder Account and Checking Account. Qualifying Members will be allowed to overdraw their Secured Deposit Account up to $20 and may later be eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount and other risk-based factors. The SpotMe on Credit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s or its banking partners’ discretion. Although Chime does not charge any overdraft fees for SpotMe on Credit, there may be out-of-network or third-party fees associated with ATM Transactions or OTC cash withdrawal fees at retailers.  For Members who had access to SpotMe on Credit Builder prior to obtaining Chime+ status, your SpotMe on Credit Builder experience will not change as a result of your Chime+ status and continued eligibility requirements shall apply. For Members with Credit Builder issued by The Bancorp Bank, N.A., please refer to these SpotMe on Credit Builder terms for more information, including eligibility criteria to access and maintain SpotMe on Credit. For Members with Credit Builder issued by Stride Bank, N.A., please refer to these SpotMe on Credit Builder terms for more information, including eligibility criteria to access and maintain SpotMe on Credit
4. MyPay – The MyPay revolving line of credit provides eligible Members access to a line of credit based upon direct deposit history and other risk-based factors.
   1. ​​To be eligible for MyPay, you must receive qualifying direct deposits in the preceding 36 calendar days to your Checking Account and live in an eligible state. Other eligibility criteria applies. Please refer to the applicable MyPay Line of Credit Agreement for the definition of qualifying direct deposits, more information on eligibility criteria, and details specific to the MyPay product. Not all users will qualify. MyPay credit limits range from $20-$500. MyPay™ line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. For Members with existing MyPay access, your MyPay experience will not change as a result of your Chime+ status and continued eligibility requirements shall apply. For Members with a Checking Account at The Bancorp Bank, N.A., please refer to this MyPay Line of Credit Agreement. For Members with a Checking Account at Stride Bank, N.A., please refer to this MyPay Line of Credit Agreement.
5. Customer Service with Priority Support – In the event that you have questions related to your Chime+ status, please contact Member services by calling 844-244-6363 or sending us a chat from the Chime mobile app. Customer support is available 24/7 and 365 days a year. Upon calling in, a Member with identified Chime+ status will be placed at the front of the call-in queue to speak with a Chime customer service agent. Calls from Members with Chime+ status will be taken in the order that they are received.  

Changes to the Chime+ Terms.

We may amend these Chime+ Terms at any time without prior notice to you, unless required by applicable law. Your continued use of Chime and maintaining Chime+ status after changes to the Chime+ Terms become effective constitutes your binding acceptance of such changes.