Easy “Side-Hustle” From Home: Earn Up to $400 With Eligible Direct Deposit
By: Conor Keenan | Last updated: May 17, 2026
Conor Keenan, AWMA®, is the Co-Founder of CompareAccounts. An Accredited Wealth Management Advisor® professional with over a decade of experience covering consumer banking and investing trends, his work has appeared in The Wall Street Journal, Reuters, Yahoo Finance, and more.
Editorial Independence: Our opinions, reviews, and recommendations are our own. Partner commissions keep our site free, but our content remains independent.
Looking for an easy way to make extra money from home?
This one does not require delivering food, filling out surveys, selling your stuff, or starting a complicated side business.
Right now, SoFi® , Member FDIC, is offering new and eligible members the opportunity to earn up to $400 cash bonus with qualifying direct deposit.ⓘ
👉 See This Checking Bonus Offer with SoFi® Now→
You can also earn up to 4.00% APY (annual percentage yield) on savings balances with qualifying activities, use savings Vaults to organize your money, and manage everything from your phone.
Limited Time Offer: New account holders earn +0.70% boost to 4.00% on their Savings APY for up to 6 months with eligible direct deposit. Terms apply.
That APY is over 10× the national average of 0.39% APY.
💵 The Easiest Side Hustle Might Be Moving Your Paycheck
Most side hustles require time.
You have to drive, deliver, freelance, sell, post, list, ship, answer surveys, or download another app.
But sometimes, the easiest money move is not working more.
It is making your paycheck work harder.
With SoFi Checking and Savings, you could earn a cash bonus simply by opening an account and setting up eligible direct deposit.
That means if you already receive a paycheck, government benefit payment, pension, or other eligible direct deposit, you may be able to turn your normal income routine into a bonus opportunity.
- No extra shift.
- No customer service gig.
- No mystery app.
- No “get rich quick” nonsense.
Just a simple banking switch that could put extra money in your account.
🏠 A Money Move You Can Start From Home
A lot of people search for “side hustles from home” because they want extra cash without adding another stressful job.
That makes sense.
But before you sign up for a dozen apps, it may be worth checking whether you can earn money from something you already have:
your direct deposit.
Opening a new checking account can usually be done online in just a few minutes. Once your account is open, you can set up eligible direct deposit and work toward the available bonus.
This is why a checking bonus can be one of the simplest “extra money” moves to consider.
- You are not learning a new skill.
- You are not buying inventory.
- You are not gambling on a business idea.
- You are not trading hours for dollars.
You are changing where your paycheck lands.
✅ How the SoFi Checking Bonus Works
Here is the simple version:
- Open a SoFi Checking and Savings account
You can apply online and get started from your phone or computer. - Set up eligible direct deposit
This may include payroll, pension, government benefit payments, or other eligible direct deposits. - Receive eligible direct deposits during the bonus window
Your total eligible direct deposits during the qualifying period determine whether you earn a bonus and how much. - Get your bonus if you qualify
If you meet the requirements, the bonus is deposited into your SoFi Checking account.
That is why this can be a strong fit for people who already have income coming in and want a practical way to earn extra cash.
💰 Why This Works for Side-Hustle Searchers
A traditional side hustle helps you earn more money.
A better banking setup helps you keep, organize, and grow more of the money you already earn.
With SoFi Checking and Savings, you can use one account relationship to:
| Goal | How SoFi Can Help |
|---|---|
| Earn extra cash | Bonus opportunity with eligible direct deposit |
| Organize side-hustle income | Use checking and savings together |
| Build savings buckets | Create Vaults for different goals |
| Avoid monthly account fees | $0 monthly fees |
| Earn interest | Competitive APY with qualifying activities |
| Access cash | 55,000+ fee-free ATMs nationwide |
| Manage money from home | Mobile-first banking experience |
So instead of only asking, “What side hustle should I start?”
You can also ask:
“Is my current bank helping me make the most of the money I already have?”
🙋♂️ Who This Offer Is Best For 🙋♀️
This checking bonus may be a good fit if you:
✅ Have a paycheck or eligible direct deposit
✅ Want to open a new checking account online
✅ Like the idea of earning a bonus for switching banks
✅ Want a mobile-first account with no monthly fees
✅ Want to separate spending money from savings goals
✅ Are looking for a simple money move you can start from home
It may not be the best fit if you do not have eligible direct deposit, do not want to change banks, or are looking for a traditional job or gig that pays ongoing income.
This is not a replacement for a full-time income.
It is a one-time bonus opportunity that may help you get extra money while upgrading your everyday banking setup.
🚨 Not All “Make Money From Home” Ideas Are Equal
Some side hustles sound easy until you actually try them.
- Surveys can pay very little.
- Delivery apps require gas, time, and wear on your car.
- Freelancing takes skill, clients, and patience.
- Selling online means shipping, fees, and returns.
- Investing requires risk and a longer time horizon.
A checking bonus is different.
It is simple, direct, and easy to understand:
Open the account. Set up eligible direct deposit. Meet the requirements. Earn the bonus if you qualify.
That is why it deserves a spot near the top of your “easy money moves” list.
🏆 Why Choose This Account?
SoFi® Checking and Savings gives you a mobile-first way to organize your money, and potentially earn a cash bonus.
With qualifying activities, you can access:
- ✅ Up to $400 cash bonus with qualifying direct depositⓘ
- ✅ up to 4.00% APY on savings balances
- ✅ 0.50% APY on checking balances
- ✅ Savings Vaults for separate goals
- ✅ $0 monthly fees
- ✅ No minimum balance requirements
- ✅ FDIC insurance up to $250,000 per depositor
- ✅ 55,000+ fee-free ATMs nationwide
- ✅ Mobile banking tools
✅ Early paycheck access when eligible
Whether you are trying to earn extra cash, organize side-hustle income, build an emergency fund, or stop letting your paycheck disappear into one messy account, SoFi can help you turn your money into a system.
💪 30-Day Paycheck Upgrade Challenge
Want to make this practical?
Use the next 30 days to upgrade how your paycheck works.
| Step | What to Do |
|---|---|
| Day 1 | Open your new checking and savings account |
| Days 2–7 | Set up eligible direct deposit |
| Week 2 | Create savings Vaults for your goals |
| Week 3 | Move recurring bills or spending categories |
| Week 4 | Review your bonus progress and savings setup |
By the end of the month, you could have:
✅ A new checking account
✅ A direct deposit bonus opportunity
✅ A cleaner savings system
✅ Separate Vaults for your goals
✅ A better place for side-hustle or paycheck income
That is a lot more useful than downloading another app you forget about in three days.
📦 Suggested Vaults for Side-Hustle Income
If you earn money from a side hustle, gig app, freelance work, or bonus offer, do not let it disappear into your everyday spending.
Give it a job.
| Vault | Why It Matters | Starter Goal |
|---|---|---|
| Taxes | Helps prepare for tax season | 20%–30% |
| Emergency Fund | Covers surprise expenses | $1,000 |
| Car / Gas | Useful for delivery or rideshare work | $250–$500 |
| Annual Bills | Covers insurance, subscriptions, renewals | $500 |
| Big Goal | Travel, debt payoff, house fund, investing | $1,000+ |
This is where SoFi can be more than a bonus.
It can become the system that helps you manage the extra money you earn.
❌ No Extra Shift Required
There is nothing wrong with side hustles.
But before you add another job to your life, it may be worth starting with the easiest money move first.
- Open a new checking account.
- Set up eligible direct deposit.
- Earn a bonus if you qualify.
- Organize your money.
- Build your savings system.
That is a simple way to make your paycheck work harder from home.
Up to $400 Bonus
- Checking & Savings Account
- No Monthly Fees
- No Overdraft Fees
- Fee-Free Overdraft Coverage Available
- Bonus: up to $400 with Direct Depositⓘ
- Set Up Direct Deposit & Access Funds up to 2 Days Sooner with Early Pay
- Access 55,000+ Fee-Free ATMs within the Allpoint® Network
- Send Money with SoFi's Peer-to-Peer Payment System
- Earn 0.50% Annual Percentage Yield (APY) on Checking Balances
- Earn $50 or $400 with direct deposit, terms apply.
- Limited Time Offer: New account holders earn +0.70% boost to 4.00% on their Savings APY for up to 6 months with eligible direct deposit. Terms applyⓘ
- See Site for Details
1. Up to $400 Bonus Tiered Disclosure
New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct
Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible
Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have
satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct
Deposit Promotion begins on 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at sofi.com/banking/checking-offer/
2. APY disclosures
Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
3. Fee Policy
We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
4. Additional FDIC Insurance
SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.
5. ATM Access
We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees
may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.
6. Early Access to Direct Deposit Funds
Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.
7. Overdraft Coverage
Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.
8. 0.70% Savings APY Boost
Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.70% APY Boost (added to the 3.30% APY as of 3/31/26) for up to 6 months. Open your first SoFi Checking and Savings
account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member
FDIC.
On SoFi's Secure Site,
Member FDIC
To recap our recommendations.
Best Checking Accounts According To CompareAccounts™
SoFi® Checking and Savings: Best For: Bonus + Annual Percentage Yield
Savvy Hustlers Also Viewed These Checking Offers
$400 Bonus
On Truist's Secure Site,
Member FDIC
Best For: $400 Bonus From a Top 10 Bank
Truist is ranked among the top 10 largest banks in the United States with over $500 billion in assets and with more than 2,000 financial centers spread throughout the South, Mid-Atlantic, and Midwest regions, in short, its a great choice for your checking account.
Plan for about 10-15 minutes. Truist may require a mobile identity verification (photo ID + selfie) to finish your application.
Earn $400 when you 0pen a new Truist One Checking account online from 3/26/26 through 7/09/26, and receive at least 2 qualifying Direct Deposits* totaling $2,000 or more and complete at least 20 qualifying debit card purchases within 120 days of account opening. The reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified.
For new checking clients only. Terms & conditions apply.ⓘ
Use Promo Code: AFL400TR1Q226
Truist provides 24-hour automated assistance and if you need to talk to someone, customer service is available Monday through Friday, 8 am to 8 pm ET, Saturday, 8 am to 5 pm ET, closed Sunday.
To top it off, this account has $0 overdraft fees, $0 ATM fees at Truist ATMs, a Balance Buffer2 if you meet the requirements, and only requires a $50 minimum deposit to open today.
See The Truist One Offer Page For More Details.
Terms and Conditions for Truist One Checking Affiliate $400 Online Offer Q2 2026: AFL400TR1Q226
Offer Information: Open a new Truist One Checking account online from 3/26/26 through 7/9/26, complete the following activities within 120 days of the account opening and earn $400. You must open the account online and enter the promo code to be eligible to participate in the promotion.
- Receive at least two qualifying direct deposits* totaling $2,000 or more AND
- Complete at least 20 qualifying debit card purchases** within 120 days of account opening. All debit purchases must be posted to your account to qualify.
Account must be opened online. Enrollment in the promotion is required at the time of account opening using promo code AFL400TR1Q226. Please refer to the Account Opening and Enrollment section below for full instructions.
*A qualifying direct deposit is an electronic credit (greater than $5.00) deposited into your new checking account via ACH. Person to person payments (such as Zelle®), Real Time Payments (RTP), pre-authorized transfers made from one account to another, or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits.
**Qualifying debit card purchases include any purchase made with a Truist debit card and posted to the new checking account within 120 days of account opening. ATM withdrawals using your debit card are not qualifying transactions. Zelle® transactions are not qualifying transactions. Bank fees are not included.
Offer Eligibility: Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after 3/26/25 are not eligible to participate. Offer valid for Truist One Checking accounts only. Primary account holder must be 18 or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer available only to US residents with a valid US taxpayer identification number. The qualifying checking account must be opened online and have a physical address in: AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC.
Reward Processing: The reward will be deposited to the new checking account within 4 weeks after the qualification requirements have been met and verified. Promotion is only applicable once per checking account and per client. Truist may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient.
Reward Forfeiture: Reward forfeiture will occur if: (1) the new checking account is changed to an account type not included in this client offer (2) the new checking account has a $0.00 or negative available balance or is restricted at the time Truist verifies the qualification requirements have been met or (3) the new checking account is closed at the time of payout. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account. Truist verification will occur one time after the qualification requirements are initially met.
Other Terms: Minimum opening deposit is $50. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. Truist reserves the right, in its sole discretion: 1) to prohibit a reward payout for any offers claimed through third-party websites with no affiliation or prior authorization from Truist; and 2) to disqualify any account if Truist suspects accounts are being opened for the purpose of exploiting this promotional offer. All standard account terms and conditions apply.
Account Opening & Enrollment Instructions: To open and enroll your new account in the promotion, visit the offer website and click on “Open an account online.” Enter AFL400TR1Q226 into the promo code field provided, review the offer Terms and Conditions, and then select “Accept this offer”. Accounts opened without the promo code applied will not be eligible to participate in the offer. Once enrolled in the promotion, clients may receive promotional updates via the email address provided or by calling 800.709.8700.
Version 3 02182026 AFL400TR1Q226
2 The Balance Buffer is only available with Truist One Checking and allows clients to overdraw their account up to $100. There is no decision required as this feature is automatically available when a client qualifies.
To INITIALLY QUALIFY for the Balance Buffer, the requirements below must be met:
- Account must be opened for a minimum of 35 calendar days
- Account must be funded with a positive balance
- A single direct deposit of at least $100 made within the last 35 calendar days
To REMAIN QUALIFIED for the Balance Buffer, the requirement below must be met:
- A single direct deposit of at least $100 made within the last 35 calendar days. After qualifying, if 35 calendar days pass without a Direct Deposit of at least $100, you will no longer have access to the Balance Buffer.
For accounts that qualify for the Balance Buffer, once the account is overdrawn by $100, additional transactions will typically be declined or returned.
For accounts that qualify for the Balance Buffer and also have Overdraft Protection, Truist will use the Balance Buffer first. If the account has neither, transactions that exceed the account balance will typically be declined or returned.
3 The Monthly Maintenance Fee (MMF) can be waived for the Truist One Checking account for each statement cycle by any one of the following:
Maintenance fees are waived for primary account owners under the age of 25 or age 62 and older.
Making $500 or more in total qualifying Direct Deposits per statement cycle. A qualifying direct deposit is an electronic credit via ACH deposited to your account during the current statement cycle. Pre-authorized transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device, debit card/prepaid card number or the mail are not eligible to meet this requirement.
Maintain a total combined ledger balance of $500 or more in your Truist related accounts. Related accounts automatically include all applicable accounts associated with primary and secondary account owners. Your total combined ledger balance is the sum of the actual balances of all your Truist related accounts across personal deposit accounts (checking, savings, money market, CD, or IRA) and brokerage accounts introduced through Truist Investment Services, Inc. (TIS) including TIS accounts managed by Truist Advisory Services, Inc., as reflected on the business day before your statement cycle end date (the actual balance in your account does not reflect any holds or pending transactions). Truist HSA is excluded from total combined ledger balance.
Having a personal Truist credit card, mortgage or consumer loan, including LightStream®.
Having a linked Small Business Checking Account. Eligible Small Business account types include: Truist Dynamic Checking, Business Interest Checking, Simple Business Checking and Business Value 200.
Primary account owner is a student. The waiver for a student requires they are listed as the primary account owner and they provide their anticipated graduation date. The waiver expires on the provided graduation date. On this date, the account is subject to the Monthly Maintenance Fee unless at least one waiver criterion is satisfied.
Truist Bank, Member FDIC. © 2026 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, Truist One, Truist Marquee, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.
$300 Bonus
On KeyBank's Secure Site,
Member FDIC
Best For: Mobile Banking + Bonus
New Key Smart Checking® customers can earn a $300 Cash Bonus when you make the minimum opening deposit of $10 and a total of $2,000 or more in eligible direct deposits within the first 90 days of account opening. To be bonus eligible, you need to open your account online by May 22, 2026. Account must not be closed at time of gift payment.
This account offers no monthly maintenance fee, available overdraft protection services & access to 40,000+ fee-free ATMs nationwide with your KeyBank Debit Mastercard®.
Additionally, this account offers relationship benefits like better interest rates on savings and money market accounts, more cash back, loan discounts and more.
Early Pay means you could get paid up to two days early with eligible direct deposits to a KeyBank account.
With secure online & mobile banking you can deposit checks in the mobile app, pay bills, send money, lock/unlock cards and more.
The KeyBank Enhanced Debit Mastercard® offers chip security, Tap & Go technology and all the benefits of Mastercard.
Easy direct deposit set up can have your paychecks or other recurring payments automatically deposited to your KeyBank account quickly and securely.
Accounts are subject to approval. Terms and conditions apply.
Overall, this is an excellent account from a respected bank with over $187 Billion in assets.
See KeyBank's Secure Site For More Details & Other Offers.
Direct Deposit Benefits
On Chime's Secure Site,
FDIC Insured
Best For: Direct Deposit Benefits
The Chime® Online Checking Account is designed to maximize the benefits of direct deposit and empower your financial journey.
- Early Pay Access: Set up direct deposit with Chime and receive your paycheck up to two days earlier, giving you quicker access to your hard-earned money.
- SpotMe® Fee-Free Coverage: Eligible members can access up to $200 in fee-free SpotMe coverage when using their Chime Visa® Debit Card. Eligibility requirements and limits apply.
- MyPay® Access1: Enjoy financial flexibility with MyPay®, enabling you to access up to $5002 of your pay before the scheduled payday. Note: Only offered in select states.
- Extensive Fee-Free ATM Network: Access over 47,000 fee-free ATMs at locations like Target, Walgreens®, 7-Eleven®, and more.
- Fee Free Banking: Enjoy banking with no monthly maintenance fees, no minimum balance requirements, and no overdraft fees, allowing you to keep more of your money.
Customer service is available offering 24/7 live support with a real human.
Open your account for free in 2 minutes or less. Terms & conditions apply to the features of this account.ⓘ
See Chime's Secure Site For More Details.
Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.
SpotMe Disclosure: SpotMe® on Debit is an optional service that provides fee-free overdraft if a member meets certain qualification criteria. Chime SpotMe enables members to draw their Chime Checking Account negative for debit card transactions, ATM withdrawals, cash back transactions or “over the counter” or OTC withdrawals (“Qualifying Transactions”) up to a specified amount (the “Limit”). This Limit is determined by Chime in its sole discretion based on the history of any Chime-branded accounts you have, direct deposit history and direct deposit amounts, spending activity and other risk-based factors. SpotMe on Debit is not a credit product, cash advance, a loan, or overdraft protection. Comparing SpotMe to any of these other products is not accurate and would diminish integrity of the product's structure.
SpotMe® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Card Account. To qualify for the SpotMe on Chime Card service, you must receive $200 or more in qualifying direct deposits to your Chime® Checking Account each month and have activated your physical secured Chime Visa® Credit Card or Chime Visa® Debit Card.
Qualifying members will be allowed to overdraw their Secured Deposit Account up to $20, but may later be eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Chime Card Limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s or its banking partners’ discretion. Although Chime does not charge any overdraft fees for SpotMe on Chime Card, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe on Chime Card won’t cover non-card transactions. SpotMe on Chime Card Terms and Conditions apply.
Chime ATM Disclosure: Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network.
Fee-Free Banking Disclosure: Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products. Learn more here.
Chime Early Pay Disclosure: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Chime MyPay® Disclosure: MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS 2316451).
To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is only offered in select states and is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.
MyPay®: MyPay is a line of credit that allows members to get up to $500 of their pay anytime before payday with no interest, no credit check, and no mandatory fees. Most members’ credit limits start between $50 and $100, and can increase over time up to $500 depending on factors such as length and amount of your direct deposit activity. Members can get funds for free within 24 hours, or instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. MyPay is not an earned wage access product.
State Eligibility: You must live in one of the following states or the District of Columbia (Washington, D.C.) to be eligible for MyPay: Alabama, Alaska, Arizona, Arkansas, California, Delaware, District of Columbia (Washington, D.C.), Georgia, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, and West Virginia. Please see the MyPay Agreement for the most up-to-date state eligibility.
Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products.
*National Savings Rate Average as published by FDIC