How do I get Chime+? – Help

To get Chime+, you need to receive a Qualifying Direct Deposit of $200+¹ within the preceding 34-days.

Once your Qualifying Direct Deposit is processed, your Chime+ status will activate automatically.

For more details, check out How do I qualify for Chime+?.

Important Notes

Chime+ status is free.
Some benefits, like MyPay¹ and SpotMe³, have additional eligibility requirements. For more information, see How do I get SpotMe ®? and Am I eligible for MyPay®?

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.

CHIME+ is a Trademark of Chime Financial, Inc