Chime App Cash Advance: 2026 Review

Chime offers cash advances of up to $500 through its MyPay feature, with free one-day funding for existing checking account holders [1]. An instant transfer option incurs a fee of up to $5 [1]. The service, which requires a Chime checking account in good standing and a history of qualifying direct deposits, provides advances ranging from $20 to $500 [1]. Repayment is automatically withdrawn from the user's account on the date of their next direct deposit [1]. Chime states there are no mandatory fees for the standard service, but a 3% instant transfer fee with a $2 minimum and $5 maximum applies for immediate access to funds [1]. The MyPay feature is not available in a dozen states, including Colorado, Illinois, Massachusetts, and Washington [1]. Chime is an accredited financial services company with an A+ rating from the Better Business Bureau [1]. In May 2024, the Consumer Financial Protection Bureau fined Chime over $4 million for delays in refunding customers who closed their accounts [1].