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). 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. The secured Chime Credit Builder Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. <ul> <li><strong>a.</strong> 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 currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.</li> <li><strong>b.</strong> Option to get funds instantly for $2 per advance or get funds for free within 2 days. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.</li> <li><strong>c.</strong> To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime&reg; Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.</li> <li><strong>d.</strong> Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.</li> <li><strong>e.</strong> MyPay is only offered in select states. 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.</li> <li><strong>f.</strong> Award for enrollment is independent of the award for Direct Deposit. Must be a new Chime customer.</li> </ul> <ul> <li>For Direct Deposit award, please follow all steps below.</li> <li>Eligibility Requirements: <ul> <li>Must be a new Chime member.</li> <li>Must enroll between <strong>11/28/25 - 12/31/25</strong>.</li> <li>Set up payroll direct deposit and receive your first paycheck within 30 days of signup to receive SB.</li> <li>Must make a minimum first payroll deposit of <strong>$200</strong> to qualify.</li> </ul> </li> <li>Qualifying Direct Deposit: <ul> <li>A Qualifying Direct Deposit is a deposit of $200 or more by Automated Clearing House (“ACH”) from your employer, payroll provider, gig economy payer, or benefits payer.</li> <li>OR a deposit by Original Credit Transaction (“OCT”) from your gig economy payer.</li> <li>The following are <strong>NOT</strong> considered Qualifying Direct Deposits: <ul> <li>Bank ACH transfers</li> <li>Pay Anyone transfers</li> <li>Verification or trial deposits from financial institutions</li> <li>Peer-to-peer transfers (PayPal, Cash App, Venmo, etc.)</li> <li>Mobile check deposits</li> <li>Cash loads or deposits</li> <li>One-time direct deposits such as tax refunds</li> <li>Any deposit Chime deems not to meet the Qualifying Direct Deposit definition</li> </ul> </li> </ul> </li> By participating in this promotion, you consent to Chime notifying a website or app that you have opened an Account and received a Qualifying Direct Deposit. This reward cannot be combined with any other enrollment bonuses, including a referral reward. We reserve the right to cancel or modify the promotion terms or terminate the participant's eligibility at any time with or without prior notice. If you do not receive your SB award within 31 days from your first transacted direct deposit, you must provide proof of two or more payroll direct deposits of $200 or more. Chime reserves the right to no longer participate in the promotion or request an amendment to these promotion terms and conditions by website or app. Please allow up to 31 days for SB to be credited to your account. Offer may only be completed once (1) per user and one (1) time per website or app account/member account. This offer is presented to you by website or app on behalf of a third-party merchant or sponsor ("Merchant"), which advises website or app when the offer is completed and a reward should be issued. The website or app has not evaluated and does not endorse the Merchant's views, policies, products, or services, which you are encouraged to evaluate for yourself. Have questions? Please contact the website or app Help Center. Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.