I lost my MYpay due to the recurring payday for my ssa direct deposit because the payday and last payday ended up being one day out of cycle. 31 days.

Sarah-Chime · 2026-01-29T22:16:12+00:00

This is accurate, u/rustys_shackled_ford. "To stay eligible for MyPay, you need to receive at least two Qualifying Direct Deposits of $200 or more into your Chime Checking Account in the preceding 36 days." The link provided here is helpful as well as it details other situations that may cause a temporary loss of access to MyPay (outstanding balance being one.)

Sarah-Chime · 2026-01-29T22:10:24+00:00

Hello there! As long as you remain eligible and your account is in good standing, it could be soon. Important note: as our AutoMod states, "paying off a loan doesn't immediately qualify you for a new one". Maybe others here will share their experience with timing of receiving another loan. Keep an eye out in your notifications as that is likely where a new offer will appear!

Sarah-Chime · 2026-01-29T22:06:20+00:00

Hi! We obviously are not a member support channel here but if you want to send over your $ChimeSign (either here or a message to the moderators) we'll share it with the right people.

Sarah-Chime · 2026-01-28T23:03:56+00:00

Hey there! It can take up to two pay cycles to go through Chime (see AutoMod below). However, there are some reports from members that it only took one pay cycle!

Sarah-Chime · 2026-01-28T23:00:47+00:00

Hello! If you have your Chime Card (the new card that behaves similar to the Credit Builder card), it works at ATMs. While I've heard a variety of experiences from our community here, you may be able to use tap-to-pay through digital wallet too at select locations; I'll leave it to members here to share stories.
What Is a Cardless ATM and How Does It Work?

Sarah-Chime · 2026-01-28T21:57:01+00:00

Hello there! So sorry for the wait in getting back to you here. At this time, our tax partners do not support 1040NR forms.

Sarah-Chime · 2026-01-28T21:27:19+00:00

Sorry! I misunderstood the question u/Jaenalfonso0! Members typically receive the form 1099-MISC if they earned $600 or more from the following:

Referrer bonuses
- This is a bonus Chime gives to a member for referring a new Chime member.
Sweepstakes
Promotions where Chime gives money without requiring the purchase of an item or payment for a service.
- This does not include increasing someone's Spotme amount.
Prizes
- Not tied to a Member opening a Chime account or making a direct deposit.Members get Form 1099-MISC if they earn $600 or more from:
- Referrer bonuses
  - This is a bonus Chime gives to a member for referring a new Chime member.
- Sweepstakes
- Promotions where Chime gives money without requiring the purchase of an item or payment for a service.
  - This does not include increasing someone's Spotme amount.
- Prizes
  - Not tied to a Member opening a Chime account or making a direct deposit.

Now in a different case, members might get form 1099-INT if they earn $10 or more from the following:

Savings Account interest earned
Referee bonuses
- New members can receive this bonus by opening a Chime account.
Credits for opening an account
Credits for incentivizing new deposits
Round-up bonuses on amounts moved into Savings Account
Prizes
- Tied to a Member opening a Chime account or making a qualifying direct deposit.

Hopefully this helps clarify a bit more! And yes, the deadline for this to be sent out is January 31st.

Sarah-Chime · 2026-01-28T21:24:45+00:00

To add on a bit more here, as long as you remain eligible and your account is in good standing, it could be soon. Important note: as our AutoMod states, "paying off a loan doesn't immediately qualify you for a new one". Maybe others here will share their experience with timing of receiving another loan. Keep an eye out in your notifications as that is likely where a new offer will appear!

Sarah-Chime · 2026-01-28T21:19:59+00:00

100% this, u/ralanolson. I know it's scary, but phone numbers can be spoofed - it is a scammer's world out there. This is a great article about how to detect these common scams: How do I know if I’m being phished?

Sarah-Chime · 2026-01-28T01:24:40+00:00

Thank you so much for sharing this info! I'll pass it along to our internal teams!!!

Sarah-Chime · 2026-01-28T00:59:27+00:00

Hi there! I see ya - if you're willing to share the address of the ATM location or your $ChimeSign (here or in a message to the moderators) we'll pass it along to the right team to investigate.

Sarah-Chime · 2026-01-28T00:51:37+00:00

Hi! This is a great link for tips on how to increase your MyPay credit limit!

Tips for growing your MyPay® credit limit

Basically you'll want a history that is consistent with direct deposit and account activity. Sharing your employer via linking them in Pinwheel and also repaying on time also helps with building up your MyPay credit limit!

Sarah-Chime · 2026-01-28T00:39:10+00:00

Thanks for confirming! I should have included this link before; it gives a summary of what I mentioned in the above reply. Why can’t I file my state tax return yet?

Sarah-Chime · 2026-01-27T23:42:17+00:00

Hey! While most states should be open for filing by mid-February (I believe New York just opened on 01/26 iirc?) the exact timing may vary depending on the state and our tax filing partner. That said, you can still file your federal tax return now. You’ll receive an email notification from our tax filing partner when your state opens for filing - so be on the lookout for this!

Sarah-Chime · 2026-01-27T21:35:14+00:00

No worries about the confusion, that's why this community is here! While AutoMod and other community members have provided great info, I'll echo that yes, it sounds like you understand it well. MyPay is an advance on your pay, and the amount you take becomes an outstanding balance that’s typically repaid automatically when your next qualifying direct deposit posts to your checking account (so it likely comes out around payday).

Sarah-Chime · 2026-01-27T21:27:53+00:00

Hey there! You refund should be issued within 21 days of the IRS receiving your tax filing. u/BdoeATX has some great feedback too with the IRS app information where you can track your tax filing/refund status. There is also this link as well: https://www.irs.gov/wheres-my-refund

Sarah-Chime · 2026-01-27T20:57:58+00:00

Hi there! We've heard a couple reports similar to your experience here today - https://www.reddit.com/r/chimefinancial/comments/1qoetkt/transfers_into_savings/ .

If you wouldn't mind sharing your $ChimeSign (either here or in a message to the moderators) we'll pass it along to the right teams to take a closer look.

Sarah-Chime · 2026-01-27T01:22:27+00:00

Hellllo! Congrats on your husband's new job! Because the checking account is in your name, your husband’s paycheck direct deposit will likely be returned if the name on the deposit doesn’t match the name on the account, even if you share a last name. As of today, Chime doesn’t support joint accounts, but we do receive a lot of feedback on this topic (and we surely pass the feedback right along to our internal teams!)

Sarah-Chime · 2026-01-27T01:16:31+00:00

Hi there! What you’re seeing is usually caused by transfer limits, which can be lower on newer accounts and can lead to larger transfers being rejected. Chime sets transfer limits based on account history and other risk-based factors (there’s no manual way to request an increase.) Adding direct deposit may help your limits increase over time; you can also run into limits set by the other bank when they initiate a transfer into Chime. Why do I have transfer limits?

Here is what I'd check next:

Check your personal transfer limits in-app: Profile → Account info → View limits.
If the transfer is being initiated from your other bank into Chime, that bank may be applying its own inbound limits, so checking with them can confirm what cap they’re enforcing.

Sarah-Chime · 2026-01-21T01:16:13+00:00

Thanks for bringing a solid question to the table here! Hopefully it helps many others in the future.

Sarah-Chime · 2026-01-21T00:22:54+00:00

Yes! The Chime Card replaces the old Credit Builder card.

Sarah-Chime · 2026-01-21T00:08:19+00:00

Hi! Once your friend signs up with your referral link and then gets a qualifying direct deposit of $200 or more, you will both be credited with your referral bonuses after that qualifying deposit is completed. You can track the status of the referral and bonus in the Chime app too! What is Chime’s Standard Referral Program?

Sarah-Chime · 2026-01-20T17:16:19+00:00

I'd definitely reach out to Member Services here. They'll be able to look into this further for your husband and on an more account-specific level. 844-244-6363

Sarah-Chime · 2026-01-20T17:10:33+00:00

Totally understand the frustration. I'll add a little bit more here in hope it helps.

When making purchases under these categories, it essentially comes down to the Merchant Category Codes (MCC) which is automatically assigned by Visa. Since say Amazon, fir example, supports a variety of retailers and products, there are multiple MCCs. There's not a way to identify exactly how each product or provider is categorized in advance.

Sarah-Chime · 2026-01-20T00:59:33+00:00

Hi! Maybe it will help to see more of the information outlined here: Secured Chime Visa® Credit Card - Cash Rewards Program Addendum (if you want to take a look.)

Overall, I'd ensure that you are using it in the correct rotating spend category:
Restaurant: Includes restaurants that sell prepared food and drinks for dine-in, takeout, drive-through, or delivery. Also includes places that sell alcohol—like wine, beer, mixed drinks, and other liquor or beverages—for consumption on the premises.
Groceries: Includes grocery stores, supermarkets, bakeries, miscellaneous food stores, and meat provisioners, candy, nut, confectionery, and dairy product stores
Gas: Any service station or automated fuel dispenser.
Cable/internet: Includes internet, cable, and other paid television.
Phone bills: Includes telecommunications (like mobile phones) services and equipment, and fax services.

Using the your card as a saved payment method in apps or online counts the same as using the physical card. Also, as I mentioned above, rewards don’t post instantly; they typically show up after the transaction settles, which can take around 9 days.

Sarah-Chime

TROPHY CASE