What is Chime+? – Help

Chime+ status is the way to access exclusive benefits, with a Qualifying Direct Deposit of $200+¹.

Key Benefits of Chime+

As a Chime+ member, you get access to:

Higher savings APY* – Earn a better interest rate on your savings.
Fee-Free Overdraft with SpotMe® – Eligible members can enroll in SpotMe³. For eligibility requirements, refer to How do I get SpotMe ®?
MyPay® – Eligible members can access up to $500 of your pay before payday². You must meet additional MyPay² eligibility requirements to gain access to MyPay². For more information, refer to Am I eligible for MyPay®?
Priority support – Get expedited assistance from Chime Support.
Chime Deals® – Access to Chime Deals⁴ exclusive to Chime+ from top national retailers. Just explore deals near you in the app.

Disclaimers

For Chime+™ status, you acknowledge and agree to the Chime+ 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+ perks have additional eligibility requirements. While some Chime+ perks may have associated fees, none of these fees are mandatory to access Chime+ perks or to maintain Chime+ status.
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 MyPay Agreement for details.
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.
Eligible requirements and limits apply. See Chime Deals™ Terms and Conditions.

*The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of 3/26/25. No minimum balance required. Must have $0.01 in savings to earn interest. The Chime+ APY is available only while you maintain eligibility requirements for Chime+, otherwise the APY for non-Chime+ members will apply. See Chime+ Terms and Conditions for more details.

CHIME+ is a Trademark of Chime Financial, Inc