How do I qualify for Chime+?

To qualify for Chime+, you need to receive a Qualifying Direct Deposit of $200 or more* within the preceding 34 days. Once a Qualifying Direct Deposit is received, Chime+ status. 

What Counts as a Qualifying Direct Deposit?

✅ Accepted direct deposit types:

• • • Employer payroll deposits
    • Government benefits (e.g., Social Security, unemployment, VA benefits)
    • Gig economy payments (e.g., Uber, Lyft, DoorDash)

❌ Not considered Qualifying Direct Deposits:

• • • Bank ACH transfers
    • Mobile check deposits
    • Peer-to-peer transfers (e.g., Venmo, PayPal, Cash App)
    • Pay Anyone transfers
    • Verification or trial deposits from financial institutions
    • Mobile check deposits
    • Cash deposits
    • One-time direct deposits (e.g., tax refunds)

Important Notes

• • • Chime+ status is free—there are no fees to qualify. To get Chime+ status, you need to receive a Qualifying Direct Deposit of $200 or more within the preceding 34 days.
    • Some features, like MyPay¹ and SpotMe², have additional eligibility requirements. For more information, see How do I get SpotMe®? and Am I eligible for MyPay®?

Need help setting up direct deposit? See How do I set up direct deposit to unlock Chime+?

Still need help? Contact Chime Support for assistance.

Disclaimers 

1. 1. 1. To be eligible for MyPay, you must receive Qualifying Direct Deposits to your Chime Checking Account 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 $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.
      2. SpotMe® for Credit Builder is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account; SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “SpotMe”). Eligibility for SpotMe requires $200 or more in Qualifying Direct Deposits to your Chime Checking Account each month. Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined 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 SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit Builder and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won't cover non card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe Terms and Conditions.

*To be eligible for Chime+™ status you must receive a Qualifying Direct Deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime+ benefits have additional eligibility requirements. While some Chime+ benefits may have associated fees, none of these fees are mandatory to access Chime+ benefits or to maintain Chime+ status. See Chime+ Terms and Conditions for details.

CHIME+ is a Trademark of Chime Financial, Inc.