Chime Prime can help make the most of MyPay, but it doesn’t unlock it automatically. If you're a Chime Prime member and meet MyPay eligibility requirements, you'll get to access a higher MyPay base limit starting at $100. Your credit limit can go up from there depending on your account activity, qualifying direct deposit activity, and other risk-based criteria.
If you lose Chime Prime, you can still use MyPay as long as you meet eligibility requirements, but your starting credit limit may decrease. For eligibility details, see Am I eligible for MyPay®?