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On the recordRead 14 Nov 202612 facts
Chime MyPay
Plans and prices
MyPay
Free
Scheduled advances: no fee, delivered within 24 hours · instant delivery: $2–$5 per advance · no interest · advance limits vary
Read 14 Nov 2026 · chime.com
On the record
- Advance amount
- The minimum advance is $20, and the maximum is the amount available to the member, up to the credit limit.chime.com · read 14 Nov 2026
- Credit impact
- Chime says MyPay use does not involve a credit check and payment history is not reported to credit bureaus.chime.com · read 14 Nov 2026
- Data security
- Chime says Pinwheel payroll connections are end-to-end encrypted and that Chime does not access payroll login credentials.help.chime.com · read 14 Nov 2026
- Deposit requirements
- Eligibility can require two qualifying deposits of $200 or more in the preceding 36 days, or one such deposit with an additional data source or from a qualifying government benefits payer.help.chime.com · read 14 Nov 2026
- Eligibility
- Applicants must be at least 18, have a Chime Checking Account in good standing, an activated physical Chime card, and qualifying direct deposits; availability is state-limited.help.chime.com · read 14 Nov 2026
- Enrollment
- Enrollment is only through the Chime app, and eligible users receive an email and in-app invitation.help.chime.com · read 14 Nov 2026
- Integrations
- Optional work-data sources include Pinwheel payroll-provider linking and Plaid external checking-account linking, plus work email or work location.help.chime.com · read 14 Nov 2026
- Limit
- The page says most members start with limits between $50 and $100, with possible increases up to $750; its disclosure says eligible limits may be $20–$1,000 per pay period.chime.com · read 14 Nov 2026
- Optional data sharing
- Sharing additional data sources is optional; users who decline need two qualifying deposits of $200 or more within the last 36 days to enroll.help.chime.com · read 14 Nov 2026
- Provider
- MyPay is a line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; MyPay services are provided by Chime Capital, LLC.help.chime.com · read 14 Nov 2026
- Support
- MyPay support is available through the Chime app, and Member Services is reachable by phone 24/7.help.chime.com · read 14 Nov 2026
- What it does
- MyPay lets eligible Chime members take an advance before payday, up to their credit limit per pay period.chime.com · read 14 Nov 2026
