$10 referral

In order for the referring Chime member (“Referrer”) to qualify and receive the $100.00 referral reward and $10.00 temporary SpotMe Bonus Limit increase, and for the referred person (“Referred”) to qualify and receive the $100.00 referral reward, all of the following conditions must be satisfied: (1) Referrer meets SpotMe eligibility requirements and is part of the SpotMe Referral Incentive referral reward campaign; (2) Referred has not previously opened a Chime Checking Account (“Account”); (3) Referred opened a new Account between January 1, 2022 and December 31, 2022; (4) Referred opened the new Account using the Referrer’s unique referral link; (5) Referred received in the new Account a Qualifying Direct Deposit within 45 calendar days of opening the Account; and 6) Referred activated their physical Chime Visa Debit Card within 14 days of receiving a Qualifying Direct Deposit. A Qualifying Direct Deposit is a deposit of $200.00 or more by Automated Clearing House (“ACH”) that comes from your employer, payroll provider, gig economy payer, or benefits payer OR a deposit by Original Credit Transaction (OCT) from your gig economy payer. 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 loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be legitimate are not Qualifying Direct Deposits. Members will not be enrolled in SpotMe automatically. Members must qualify for SpotMe and enroll manually through the Chime App in order to receive the temporary SpotMe Bonus Limit increase referral reward. Members may earn no more than $50.00 in SpotMe Bonus Limit referral increase and may earn no more than $1,000.00 in monetary referral rewards per calendar year (January 1, 2022 – December 31, 2022 and January 1, 2023 – December 31, 2023). No member’s SpotMe limit may exceed $200. Any earned SpotMe increases from this referral reward in the Member’s bonus queue (“Bonus Queue”) not yet added to the Member’s SpotMe limit (due to the promotional limit cap) will be added to the Member’s SpotMe limit on a rolling basis as the previously added SpotMe increases from this referral reward expire. Once the temporary SpotMe bonus limit ends, Members may no longer earn SpotMe increases on this referral reward, however the earned SpotMe bonuses in the Member’s Bonus Queue will not be lost. Any Referrer SpotMe Bonus limit increase referral reward will expire 184 calendar days from the Referred receiving a Qualifying Direct Deposit. If an eligible Referrer loses Bonus Limit eligibility, and the Referred completes the above conditions, the Referrer will receive the $10 temporary SpotMe limit increase referral reward only upon regaining Bonus Limit eligibility. Referral rewards will generally be provided within two (2) business days after all the above conditions are met. The Referrer’s account must be in good standing in order to receive the referral reward. Referred individuals acknowledge that payment of any referral reward may result in the Referrer’s knowledge of the Referred’s establishment of a new Account or enrollment in a product. Chime reserves the right to cancel or modify the terms of any referral reward offer or terminate a member’s eligibility at any time with or without prior notice. Credits of $10 or more will be reported on tax form 1099-INT for new members (Referred). Credits of $600 or more will be reported on tax form 1099-MISC for referring Chime members (Referrers). Banking services are provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC.

$15 after first advance

$10 signup