Chime
Chime® is a financial technology app that connects to your Michaels paycheck through direct deposit. Michaels partners with Chime to give every Team Member free access to a financial wellness toolkit — saving1, credit building2, and fee-free3 early access to pay you’ve already earned, among other perks, all in one app.
There is no cost to use Chime, no credit check to get started, and no waiting period. For rates, tiers, and full details on each product, see the member guides linked below.
Member Guides
How It Works
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Eligibility
- All* hourly and salaried Michaels Team Members can enroll.
- New hires can use MyPay at Work on Day 1, before the first payday.
- A Chime Checking Account is required for Chime Savings and the Chime Card.
- MyPay at Work Earned Wage Access requires you to have direct deposit with Chime. More details at MyPay at Work Help Center.
- Higher savings rates and cash back unlock with qualifying direct deposits.
*Director-level Team Members and above are excluded.
How to Enroll
- You can enroll in Chime online or by using the Chime app on your phone.
- When creating your Chime account, make sure your name, email, and phone match your Workday information.
- Open a Chime Checking Account, and add a Savings Account at the same time!
- Begin exploring all the benefits you can access! To unlock even more, set up Chime to receive your direct deposit from Michaels.
What You Get with Chime
| Offer | Product | What It Does |
|---|---|---|
| Chime Checking & Savings | Chime Checking | Fee-free4 checking account — no monthly fees, no minimum balance. |
| High-Yield Savings1 | APY tiered by Direct Deposit amount5: Basic – 0.75% (no minimum) Plus* – 2.75% ($200 monthly minimum Direct Deposit) Prime* – 3.75% ($3K monthly minimum Direct Deposit) |
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*The more you direct deposit, the more you unlock. Learn more about the enhanced benefits of Chime Plus and Chime Prime like higher savings APY and cash back, visit this link. |
||
| Automatic Savings | Auto-transfer a set portion of your Direct Deposit ($1+) into savings. | |
| Round-Ups | Round cards purchases to the nearest dollar, moved the difference from checking to savings.6 | |
| Chime Credit | Chime Card | Secured Visa® card that builds credit history with no credit check, no interest, and no annual fee.7 |
| Early Pay Access | MyPay at Work®8 | Access up to $2,000 of pay you’ve already earned, before payday — instantly and fee-free.9 |
| Early Direct Deposit | Get paid up to two (2) days early with direct deposit.10 | |
| SpotMe | Up to $200 fee-free overdraft protection.11 | |
| Other Perks | Chime Deals® | In-app cash back marketplace (rates/merchants vary by offer).12 |
| Fee-Free ATMs1 | 47,000+ fee-free ATMs.13 |
| Oferta | Producto | Lo que hace |
|---|---|---|
| Cuentas de chequeo y ahorro de Chime | Cuentas de comprobación de Chime | Sin cargo4 cuenta de comprobación — sin honorarios mensuales, sin saldo mínimo. |
| Ahorros de alto rendimiento1 | APY tiered by Direct Deposit amount5: Basic – 0.75% (no minimum) Plus* – 2.75% ($200 monthly minimum Direct Deposit) Prime* – 3.75% ($3K monthly minimum Direct Deposit) |
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*The more you direct deposit, the more you unlock. Learn more about the enhanced benefits of Chime Plus and Chime Prime like higher savings APY and cash back, visit this link. |
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| Ahorros automáticos | Autotransferir una porción determinada de su depósito directo ($1 o más) en ahorros. | |
| Redondas | Las tarjetas redondas compran al dólar más cercano, movieron la diferencia de comprobar a ahorros.6 | |
| Chime Credit | Tarjeta de Chime | Tarjeta Visa® asegurada que construye historial de crédito sin cheque de crédito, sin interés y sin cuota anual.7 |
| Early Pay Access | MyPay at Work®8 | Acceso hasta $2,000 de pago que ya has ganado, antes del día de pago — al instante y sin honorarios.9 |
| Depósito directo temprano | Recibir pagado hasta dos (2) días antes con depósito directo.10 | |
| SpotMe | Protección sin cargo hasta $200.11 | |
| Other Perks | Chime Deals® | Mercado en efectivo en la aplicación (las tasas/mercantes varían por oferta).12 |
| Cajeros automáticos sin cargo1 | Más de 47.000 cajeros automáticos sin cargo.13 |
Videos
Chime is Available 24/7
Contact Chime Member Support using one of the methods below to answer any questions you may have, including enrollment, balances, advances, transactions, and more.
Contact Your Provider
Chime
Financial Wellness
In-App Chat: Type "Support" in the Chime app
Phone: 844-244-6363
Disclosures
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. The Chime Visa® Debit Card and the Chime Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Please see the back of your Card for its issuing bank.
1Chime Checking Account is required to be eligible for a Savings Account.
2On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
3MyPay at WorkTM advances are instant and free while you are employed with a Participating Employer.
4Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products. Learn more at chime.com/feesinfo.
5The 3.75% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 2.75% APY for members with Chime Plus status or the standard rate of 0.75% APY will apply. The APYs are effective as of 07/13/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details.
6Round Ups automatically round up debit card and credit card purchases to the nearest dollar and transfers the round up into your savings account.
7The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.
8MyPay at Work® is provided by The Bancorp Bank, N.A. or Stride Bank, N.A.. MyPay at Work services provided by Chime Capital, LLC (NMLS 2316451).
9To 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. Your use of SpotMe and other risk-based criteria may also impact your Available Now amount.
10Early 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.
11SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “SpotMe”). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.
Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe terms and conditions.
12Eligibility requirements and limits apply. See Chime Deals® Terms and Conditions.
13Out-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.