Chime Prime can help make the most of MyPay*, but it doesn’t unlock it automatically. If you're a Chime Prime member and meet MyPay eligibility requirements, you'll get to access a higher MyPay base limit starting at $100. Your credit limit can go up from there depending on your account activity, qualifying direct deposit activity, and other risk-based criteria.
If you lose Chime Prime, you can still use MyPay as long as you meet eligibility requirements, but your starting base limit may decrease.
*To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.