Will a U.S. government shutdown affect my Chime account or my government benefits?

Direct Deposit

A government shutdown should not affect the timing or payment of most federal benefits, such as Social Security.
If you’re a federal employee or contractor, Chime makes your direct deposit available as soon as we receive the payment file from your payroll provider.
A delay or change in qualifying direct deposit can affect direct-deposit-based features. Access to Instant Loans, MyPay, and other direct-deposit-based features could be impacted if qualifying direct deposits stop.

Important: Chime does not control when your payer sends the deposit file. Your direct deposit is made available as soon as we receive it.

Repayment and Missed Payments for Instant Loans

An interruption in your direct deposits may lead you to be late on repayments for Instant Loans. For more on how missed payments are handled, visit What happens if I miss a payment on my Instant Loan?

MyPay and SpotMe® on Credit

If your qualifying direct deposit is delayed, it may affect how repayments for MyPay or SpotMe are collected. For more on how repayment works when deposits are interrupted, visit:

Need help? Chat with us in the app anytime or call 24/7 at 1(844) 244-6363.