Join 8+ million people who ditched hidden fees. Get paid up to 2 days early, access up to $500 with MyPay before payday, and never pay overdraft fees again.
MyPay gives you access to your earned wages before payday. No more waiting, no more stress, no predatory payday loans. In just 8 months, Chime members drew $8.8 billion through MyPay.
Real features that make a real difference in your daily life
No monthly maintenance fees, no minimum balance requirements, and no hidden charges. Your money stays yours.
Get up to $200 in fee-free overdraft protection. No $35 fees — Chime covers you and deducts from your next deposit.
Access your paycheck up to 2 days before payday with direct deposit. Stop waiting for your own money.
Chime+ members earn up to 3.50% APY — that's 8x the national average. Watch your savings actually grow.
The Chime Card helps you build credit with no annual fee, no interest, and 1.5% cash back. Members see an average 30-point increase.
Access your cash at Walgreens, CVS, 7-Eleven, and more — completely fee-free. That's more than most big banks.
See why millions are making the switch
See what Chime members are saying about MyPay
"MyPay literally saved me when my car broke down. Got $400 instantly, fixed my car, went to work. No payday loan sharks, no crazy interest. Just my own money early."
"Between MyPay and getting paid 2 days early, I haven't stressed about bills in months. My old bank charged me $35 every time I went over. With Chime? $0."
"I used to use those payday loan apps that charge 400% APR. Now I use MyPay — get my earned wages for almost nothing. Game changer for anyone living paycheck to paycheck."
Takes 2 minutes to sign up. No credit check. Start accessing MyPay and your money starts working for you.
Open Your Free Chime AccountAffiliate Disclosure: This page contains referral links. If you sign up through our link, we may receive a referral bonus at no additional cost to you. We only recommend services we genuinely believe provide value.
Important: Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. SpotMe and MyPay eligibility requirements apply. Early access to direct deposit funds depends on timing of payer's submission. APY is variable and may change. The Chime Visa® Debit Card and the Chime Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc.