Chime Plus1 ends if you do not receive either a single qualifying direct deposit of $200 or more or qualifying direct deposits totaling $400 or more within the last 34 days. This can affect access to enhanced savings interest rates, SpotMe2, MyPay3, exclusive Chime Deals4, and priority support.
What changes when I lose Chime Plus status?
❌ Savings APY– Your interest rate will return to the standard rate.
❌ SpotMe® – You may lose access to SpotMe2 or see a lower limit.
❌ MyPay® access – You may no longer qualify for MyPay3 advances.
❌ Priority support – Your support requests will no longer receive priority handling.
❌ Chime Deals® – Some exclusive cashback offers will no longer be available.
❌ Cash Back Rewards - You’ll no longer receive 2% cash back5 on eligible Chime Card purchases.
How to restore Chime Plus status?
- Set up direct deposit with your employer or benefits provider.
- Receive either within the last 34 days:
- Qualifying Direct Deposit of $200 or more in your Chime account
- $400 or more in total Qualifying Direct Deposits
- Your Chime Plus status will be automatically restored within 24 hours.
What if I lost Chime Plus status due to an error?
If you believe you should still have Chime Plus status, but your status changed incorrectly, check:
✅ Your direct deposit history in the Chime app.
✅ That your direct deposit is from an eligible source & qualifying amount
✅ That your app is updated to the latest version.
Still need help, visit How do I contact Chime customer service?
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+ 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.
3To be eligible for MyPay, you must receive Qualifying Direct Deposits to your Chime Checking Account 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 $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.
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).
