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.
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?