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MyPay at Work
MyPay at Work™ Advances and Available Now

MyPay at Work™ Advances and Available Now

This article is about MyPay at Work, a benefit available only to Chime members who work at an employer that entered into a partnership agreement with Chime. For the standard MyPay experience, visit MyPay in the Help Center. ‌

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What is the 'Available Now' amount in MyPay at Work and how is it calculated?

The Available Now1 amount is the maximum you can advance on any given day before your payday. It’s automatically calculated using your employer’s verified time and attendance data, minus estimated taxes, adjustments, and limits like SpotMe. Any advances you’ve already taken are also subtracted from this total.

Member Services can’t adjust your Available Now amount. If you don’t use all of your Avalable Now before your next direct deposit, the amount resets to $0 and any unused funds are added to your next paycheck from your employer. When your paycheck posts on payday, your Available Now balance resets and then begins building again as your employer reports new hours and wages. Your available amount reflects your current unpaid earnings, which are verified and sent by your employer to Chime daily.


What causes my Available Now amount to change in MyPay at Work?

Your Available Now amount may increase or decrease based on several factors, including your employment status, hours worked, and earnings. In general, it is driven by changes reported by your employer and your activity in the app.

It may increase when your employer reports higher earnings, such as additional hours worked, pay adjustments, or corrections that raise your wages. It may decrease if your employer reports fewer hours, deductions, or corrections that lower your wages.

Available Now also changes based on your activity. Taking an advance lowers your Available Now by the amount you borrowed, while manual repayments made in the Chime app can increase it again within the same pay cycle. On payday, your Available Now always resets and begins building again as new hours and wages are reported.


Finally, employer rules and your account status can also affect your balance. Some employers exclude certain earnings like tips, bonuses, or commissions, so those won’t count toward your Available Now.


Unpaid MyPay advances, delinquent Instant Loans, going without a payroll direct deposit for 36 days, or changes to your employment eligibility can also reduce your Available Now to $0.

What is the maximum amount I can access from my direct deposit through MyPay at Work?

With MyPay at Work, you can access a portion of your earnings based on verified time and attendance data received from your employer, up to $2,0002. How much you can access with MyPay is directly tied to your earned income that you receive from your employer's payroll provider.

1 We estimated the available amount using initial time and attendance information provided by your Employer. Actual available advances may vary upon enrollment.

2To be eligible for MyPay at Work, you must work for a Participating Employer, receive a direct deposit into your Chime Checking Account from that Participating Employer, and live in an eligible state, as set forth in the MyPay at Work Agreement. Other restrictions may apply.Your MyPay at Work Available Now amount will be displayed in the Chime app, may change at any time, and is 50%–100% of your estimated income, up to a maximum advance amount of $2,000. Other risk-based criteria may also impact your Available Now amount.

MyPay at Work™ provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay at Work services provided by Chime Capital, LLC (NMLS 2316451).