What is My Paycheck?

Two images of the My Paycheck section in the Chime app

Eligibility

My Paycheck is currently available to a small number of eligible Chime members who have set up direct deposit with Chime.

My Paycheck provided by Stride Bank, N.A., Member FDIC.

Overview

My Paycheck allows you to access money that you’ve already earned before your direct deposit date. Using historical direct deposit data, we’re able to estimate your pay day-by-day, increasing the amount of money you can cash out before your next payday. Cashing out early can be done instantly and is available once per pay period.

When your direct deposit arrives, Chime will deposit it to your account minus the amount you cashed out early.

Set up My Paycheck

If you’re eligible, you’ll be prompted to set up My Paycheck in the Chime mobile app.

Frequently asked questions

How is this different from Chime’s “Get paid up to 2 days early” feature?

Getting paid up to 2 days early allows you to receive your pay up to two days before your payday.

My Paycheck allows you to cash out a portion of your pay before your next payday. When your paycheck is deposited into your account, the amount you cashed out early will be deducted from the total deposit amount.

How do I sign up for My Paycheck?

Chime is currently testing the My Paycheck feature with a limited number of members. When you’re eligible, you’ll receive a notification in your Chime app.

Are there any fees for cashing out early with My Paycheck?

Cashing out early with My Paycheck is free and takes 1-2 business days to be deposited into your account. For a small fee, you can choose to cash out instantly. The fee is shown in the Chime app if you select this option.

I used to have access to My Paycheck early, but I don’t anymore. What happened?

This could happen for several reasons, including a change in your eligible direct deposit or the status of your repayment.

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Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

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