What is MyPay®?

MyPay is a new way to access up to $500 of your pay before payday. Chime uses your direct deposit amount, history, and other factors to determine how much you can access with MyPay. During each pay period, you can see your credit limit and the “Available now” amount that you can access that day. Eligible members can access between $20 and $500 each pay period. Money available to you can be accessed right from the Chime app. You can use MyPay advances to receive money within 24 hours for free or instantly for a $2 fee per advance. Instant advances are optional and do not impact the amount available to you.

Frequently asked questions

How do I sign up for MyPay?

If you’re eligible, you’ll receive an email and a notification in your Chime app inviting you to enroll in MyPay. Just tap the notification and follow the prompts to enroll.

Does MyPay have any fees or interest?⁽²⁾

There is no interest.
There is no mandatory, annual, or late fee for using MyPay.
There is no cost for MyPay scheduled advances, and money will arrive in your checking account within 24 hours, after requesting an advance.
There is an option to get funds instantly for $2 per advance.

Will MyPay impact my credit score?

Chime does not perform a credit check when you use MyPay, and the use of MyPay will have no impact on your credit reporting or credit score.

How does accessing money with MyPay work?

You can get a MyPay advance right from the Chime mobile app, and it will be transferred directly into your Chime Checking account or Chime Credit Builder account.

To get an advance in app, follow the instructions below:

Go to MyPay.
Tap Get Money.
Enter the amount of money that you would like to receive, and tap Next.
Tap the option for how fast you want to access it:
- You can tap the option Instantly for a fee of $2, or
- You can tap the option Within 24 hours to access it for free
Tap Next.
Review the information on the screen including:
- The amount of your advance
- Your new checking account balance
- You must also check the authorization box confirming Chime will debit your Chime Checking Account for repayment
Tap Confirm.
Choose the account you would like your advance deposited to.

For members in the MyPay dial redesign experience:

Note: We're currently testing a new design for MyPay with a limited group of members. If you're part of this test, you may see updates to the MyPay experience in your app. This redesign will roll out gradually, and when it's available to everyone, it will update automatically in your app.

Open the Chime app and go to MyPay.
Scroll to the amount you’d like to request on the MyPay dial or tap on the dollar amount in the center to enter the advance amount you’d like to request.
- The dial gives you a visual understanding of how much advance you’ve already taken, your ‘Available now’ amount, and how your MyPay may increase each day (up to your Credit Limit) during your pay period. Learn more about How does MyPay® repayment work?
Tap Get Money.
Choose how quickly you want the funds:
- Instantly (for a $2 fee), or
- Within 24 hours (free)
Tap Next.
Review the details shown:
- The advance amount
- Your updated checking account balance
- Be sure to check the authorization box confirming repayment from your Chime Checking Account
Tap Confirm to complete your request.

How much money can I access with MyPay?

With MyPay, you can access a credit limit between $20 and $500 each pay period. You can view your credit limit in the Chime app.

What is “Available now”?

This is the max you can get today. It usually increases daily up to your credit limit as you earn money. To determine this amount, Chime looks at your primary income source, which is the qualifying direct deposit that brings the highest estimated deposit into your account.

At the beginning of your pay period (after you just received a qualifying direct deposit), it starts over at $0 and usually increases every day until you reach your credit limit. Any advances you've taken are deducted from your “Available now” amount. When your next qualifying direct deposit arrives, your “Available now” will be reset and your credit limit will be recalculated.

Why did my “Available now” amount change?

The amount of your “Available now” is determined based on your direct deposit amount, direct deposit history, and other risk-based criteria. Your “Available now” could increase or decrease based on changes to these factors. Additionally, if you recently got an advance, your “Available now” amount would decrease due to less remaining funds available.

What is the Credit limit?

When you enroll in MyPay you’re given a credit limit, which typically starts between $20 to $100. This is the maximum amount you can access in a pay period, and is recalculated every time you get a direct deposit. Your credit limit is determined by your direct deposit activity, bank account activity, risk-based criteria, and whether or not you’ve shared information about your work.

What states is MyPay available in?

Currently MyPay is available to eligible members in the following states:

Alabama, Alaska, Arkansas, Arizona, California, Delaware, District of Columbia, Florida, Georgia, Idaho, Iowa, Indiana, Kansas, Kentucky, Louisiana, Maryland (Chime Depositors only), Michigan, Mississippi, Missouri, North Carolina, North Dakota, Nebraska, Nevada, New Hampshire, New York (Chime Depositors only), Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia.

You must live in a state where MyPay is offered and continue to live in that state in order to use MyPay. If you move to a state where MyPay is not offered, you will not be able to use MyPay. If you change your address, please update your address by calling 1-844-244-6363.

DISCLAIMERS

¹To be eligible for MyPay, you must receive Qualifying MyPay Direct Deposits to your Chime Checking Account as set forth in the MyPay Agreement. A Qualifying MyPay Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other 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 per pay period. Your 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.

² Option to get funds instantly for $2 per advance or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.