With Chime Plus1, you can enjoy SpotMe2 for overdraft coverage, MyPay3 for access to your paycheck early, and priority support.
If you already direct deposit $200 or more within the preceding 34-days, you’ll automatically get access to Chime Plus benefits! Please keep in mind that if you’ve already enrolled in SpotMe® or MyPay®, your SpotMe2 limits and MyPay1 Available Now limits won’t change due to the addition of Chime Plus. Learn more at How is my MyPay® Available now amount determined?
With Chime Plus you get all of the awesome benefits you get as a Chime Member, plus more. Some key differences include:
- MyPay: Up to $500 before payday
- SpotMe: Fee-free overdraft up to $200
- Savings APY4: 3.00%
- 24/7 priority support: Get help when you need it
- Chime Deals5: Cash back on gas and more
- Earn 2% in cash back rewards6 on eligible Chime Card purchases
1To be eligible for Chime Plus™ status, you must receive a qualifying direct deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime Plus benefits have additional eligibility requirements. See Chime Plus Terms and Conditions for details.
2SpotMe® on Credit 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 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.
3 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 Bancorp MyPay Agreement or Stride MyPay Agreement for details.
4The disclosed Annual Percentage Yield (APY) is available only while you maintain Chime Plus status, otherwise the standard x.xx% APY for non-Chime Plus will apply. The APYs for the Chime Savings Account are effective as of 03/2025 and are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Plus Terms and Conditions for more details.
5Eligible requirements and limits apply. See Chime Deals™ Terms and Conditions.
6With a qualifying direct deposit, earn 2% cash back on eligible secured Chime Visa® Credit Card purchases. Please refer to the Secured Chime Visa® Credit Card - Cash Rewards Program Addendum for details and more information on rotating cash back categories.
CHIME Plus is a Trademark of Chime Financial, Inc
MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS ID 2316451).