If your Qualifying Direct Deposit arrives earlier or later than expected, or doesn’t arrive at all, here’s how it could affect MyPay.
If your Qualifying Direct Deposit arrives earlier than your estimated pay date
- It may be used to repay your outstanding MyPay balance.
- It may also replenish your Available now amount, based on your balance at the time.
If no Qualifying Direct Deposit arrives on or after your estimated pay date
If your Qualifying Direct Deposit does not arrive at the expected time, this may cause our prediction of your income to become $0. As a result, your credit limit may be reduced to $0 until you receive an additional Qualifying Direct Deposit of $200 or more into your Chime Checking Account. You’ll need to wait for your next Qualifying Direct Deposit to resume accruing an Available now amount.
In order to maintain MyPay eligibility, you must receive two Qualifying Direct Deposits of $200 or more in the preceding 36 days amongst other requirements. If you do not meet these deposit requirements your MyPay access will be limited. To regain access, you must receive two Qualifying Direct Deposits of $200 or more in the preceding 36 days.
What happens if I have an outstanding MyPay balance after my estimated pay date passes?
If you haven’t received a Qualifying Direct Deposit that fully repays your balance by your estimated pay date, or if you are considered in default (see the MyPay Line of Credit Agreement for full details), Chime may collect repayment from any deposit or funding made to your Chime Checking Account. This includes:
- Tax refunds
- Trial deposits (for bank account verification)
- Money transfers (e.g., Pay Anyone, Cash App, Venmo, Apple Cash, external bank transfers)
- Mobile check deposits
- Cash deposits
- Any Qualifying Direct Deposit
For more information about what’s considered a Qualifying Direct Deposit, refer to What counts as Qualifying Direct Deposits?