If you’re eligible, you’ll see a prompt to set up My Paycheck in the Chime mobile app. When your direct deposit arrives, Chime will deposit it to your checking account and deduct any instant transfer fees, 1 in addition to the amount you received early.

There is a minimum transfer limit of $20, which means your Available Now must be at least $20 to make a My Paycheck transfer request. You can access a portion of your paycheck early or instantly, 1 and multiple times per pay period, up to your assigned limit. We estimate your pay day-by-day, increasing the amount of money you may receive before your next payday. My Paycheck allows you to access money we estimate you to have already earned before your direct deposit date. My Paycheck provided by Stride Bank, N.A., Member FDIC. See Terms and Conditions for details and more on how transactions are settled. My Paycheck is available for eligible members in certain states. My Paycheck is currently only available to eligible new Chime members. Your limit may change at any time, at Chime's discretion.

Your max amount of estimated earnings will be displayed to you within the Chime mobile app, and will be based upon data available to us such as your direct deposit data and transaction history. A Qualifying Direct Deposit is a deposit from a single employer or payroll provider by Automated Clearing House (“ACH”). To be eligible for My Paycheck, you must receive to your Chime Checking Account (i) at least two Qualifying Direct Deposits of $200 or more in the preceding 34 days, or (ii) one Qualifying Direct Deposit of $200 or more in the preceding 34 days plus provide additional data.

Chime direct deposit times