What do I get with Chime Plus status?

What do I get with Chime Plus status?

With Chime Plus, you can enjoy SpotMe for overdraft coverage, MyPay 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 SpotMe limits and MyPay 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: Most eligible members may be offered $20 - $500 per pay period. Offer amounts may vary, and some members may qualify for temporary higher limits.
  • SpotMe: Fee-free overdraft up to $200
  • Savings APY1: 3.00%
  • 24/7 priority support: Get help when you need it
  • Chime Deals: Cash back on gas and more
  • Earn 2% in cash back rewards6 on eligible Chime Card purchases. See the Secured Chime Visa® Credit Card - Cash Rewards Program Addendum for limitations and details on earning cash back on your monthly selected category. 

For more information on Chime Deals, refer to What is Chime Deals? in our Help Center   
For more information on Chime Plus eligibility, refer to How do I qualify for Chime Plus? in our Help Center  
For more information on SpotMe eligibility, refer to Am I eligible for SpotMe®? in our Help Center  
For more information on MyPay eligibility, refer to How is my MyPay® credit limit determined? in our Help Center

1The 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 Membership Tiers Terms and Conditions for more details.

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).