You’re successfully enrolled when all required steps are completed and the MyPay tile becomes active in the Chime app for your use.
Successful enrollment includes:
- You tap the MyPay tile in the Chime app.
- You review and accept the Terms & Line of Credit Agreement.
- You link an external checking account via Plaid.
- You select or add a valid debit card tied to that external account.
- You receive a confirmation screen.
- The MyPay tile becomes active, showing your Credit limit and Available now (if eligible).
If all steps are completed successfully, you are enrolled and you will receive an email.
Step 1: Entry point from the MyPay tile
Enrollment always begins in the Chime app from:
- The MyPay tile on the Home screen, OR
- A promotional banner, such as “Unlock MyPay.”
If you do not see the MyPay tile:
- You may not yet be eligible.
- You may live in a U.S. state that does not support MyPay.
- The experience may not yet be available to you.
Step 2: Terms & Agreement Acceptance
You must:
- Review Truth in Lending Disclosures
- Agree to the MyPay Line of Credit Agreement
If the agreement is not accepted, enrollment cannot proceed. You only need to complete this step once.
Step 3: Linking an external checking account (Plaid)
You will be prompted to link an external checking account using Plaid.
During this process, you must:
- Verify identity within the linking experience.
- Select your bank.
- Log in to your external account.
- Confirm connection.
If the Plaid connection fails or shows no qualifying income, enrollment will stop, and you may see an error message.
What's not supported: If you are trying to link one of the following, you may see an error message:
- Cash App
- TD Bank
Step 4: Selecting or adding an external debit card
After linking the external checking account, you must add a debit card tied to that same external account.
The linked external debit card is used to transfer funds into Chime for repayment and to process automatic repayment after the expected pay date.
Important: If the card is expired or removed, not tied to the linked account, or does not allow debits, enrollment cannot be completed.
What's not supported:
- Cash App
- TD Bank
Step 5: Review & confirmation
After all steps are successfully completed, you will see a confirmation screen indicating that enrollment is complete. If this screen does not appear, enrollment was not successful.
What you see after enrollment
Once you are enrolled:
- The MyPay tile in the Chime app becomes active.
- A credit limit is displayed.
- The Available now is visible (generally may start at $0).
- The Get money button appears.
Important: If Available now shows $0, it does not mean enrollment failed. Your Available now may start at $0 and accrue day by day as you get closer to your next expected payday. It will reset after each pay period.
If enrollment isn’t successful
Before troubleshooting, confirm:
- Did you start from the MyPay tile?
- Did you accept the MyPay Line of Credit Agreement?
- Did Plaid successfully link?
- Was an external debit card added and confirmed?
- Did you see the “You’re all set” screen?
- Does the MyPay tile now show a Credit limit?
If any of these steps were not completed, the issue is likely within that specific stage.
If enrollment is still unsuccessful, refer to MyPay External Account Depositor Enrollment Issues & Setup Troubleshooting to troubleshoot.