Chime® Bonus Offers and Promotions GOBankingRates

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Chime® bonus offers and promotions may include some referral bonuses and offers that can allow you to earn a little extra cash.

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If you want to think outside normal banking services, then a Chime “bank” account might be the right fit for your finances. Whether it’s a Chime sign-up bonus for new customers or a Chime direct deposit bonus for just conveniently putting your paycheck directly into your account, now might be a great time to join Chime. Here are some bonus and promotion offers Chime is offering.

Account Type	Bonus Amount	Offer Expiration
Chime Referral Bonus	$100 per referral	Ongoing
Chime SpotMe® Bonus	Up to $50	Ongoing (based on account history)

Chime Referral Bonus

Essentially, the Chime Referral Bonus is a sign-up bonus and refer-a-friend bonus all in one. Simply put, Chime is offering a $100 bonus if you refer a friend to Chime and they open an account. If you and your friend do both of these things, you can both receive the $100.

Here are a few key features:

Bonus amount: $100
Direct deposit minimum: $200
Qualifying direct deposits: Chime allows direct deposits from your payroll provider, gig economy payer, benefits payer or original credit or debit card transaction. Be aware that deposits from other banks, PayPal, Venmo, mobile check deposits2 or one-time direct deposits do not qualify.
Who qualifies for the bonus: You can qualify for the $100 Chime bonus as an existing Chime customer who refers a friend to open a new Chime account, or, if you’re a new customer, you can open an account using the referral link sent by your friend or family member.
How to get the bonus: If you open a new Chime account through a referral link sent by a friend and then put in a qualifying direct deposit of $200 or more within the first 45 days of opening the account, you and the person who referred you can earn $100.
How long it takes to get the bonus: If you qualify, the bonus amount should be posted to your account within.
Good to know: If you are sending referral links, you can earn up to a maximum of $1,000 in monetary referral rewards from Chime per calendar year.

How To Get a Personalized Referral Link

If you want to start earning those $100 referral bonuses, first, you’re going to need to get your personalized referral link to send to your friends and family members looking to open a Chime account as a new customer. To get started, you can simply follow these steps:

Open your Chime app and make sure you are logged in.
Click on the settings gear icon and select “Invite Friends, Get Paid.”
You can send your referral link through social media, text or email.
If someone you send it to qualifies and opens a new Chime account, you both get the $100 bonus.

Chime Account Options

Though the $100 bonus is not specific to Chime’s checking or savings account, as a qualifying new customer, you can apply for either through a referral link sent to you by an existing Chime account holder. Here are some Chime banking products and features to consider:

Chime Checking Account

No overdraft fees
No monthly maintenance fee
No minimum deposit requirement
Large network of free ATMs3

Chime High-Yield Savings Account

Variable Annual Percentage Yield of 4
No monthly fees or minimum deposit requirements
You can have 10% of your paycheck automatically directly deposited into your savings to help you meet your savings goals.5
You can enroll in Round Ups to have transactions made with a debit card rounded up to the nearest dollar and have the difference sent directly to your Chime savings account.
You must have a Chime Checking Account to be eligible for a High-Yield Savings Account.

Chime SpotMe® Bonuses

Outside of referral bonuses, Chime also offers SpotMe6 Bonuses, which are based on your account history and activity. Here are a few things existing Chime members should consider:

These bonuses are temporary increases to your SpotMe limit.
You may qualify for the bonus based on your account history or if you participate in a Chime promotional campaign.
You can only have up to $50 at one time.
Extra bonuses you receive are saved in a bonus queue and applied to your limit after the current one expires.
You must continually meet eligibility requirements to get any bonus.

Opening a New Chime Account

Chime makes opening an account simple. Besides needing an internet connection, mobile phone or computer, you’ll need to be at least 18 years old and a U.S. citizen or resident. You can apply through the website or by downloading the Chime mobile app for iPhone or Android. Chime claims the process only takes a couple of minutes.

Is Chime Right for You?

If you do most of your banking online, Chime makes a lot of sense. For one thing, you’ll save money on bank fees. You’ll also be able to pay most of your bills and transfer money between accounts through the Chime mobile app, and if you’re eligible, you can take advantage of the mobile check deposit feature.

If you need to regularly make cash deposits7, however, Chime probably wouldn’t be right for you. Chime offers no-fee cash deposits at Walgreens. Deposits made at other locations may be subject to a transaction fee charged by that retailer.

Chime Bonus Offers and Promotions FAQ

Here are answers to some of the most frequently asked questions about Chime and any promotions, offers or bonuses that may be offered. - What bonuses does Chime offer new users?

Chime offers a referral bonus where you can get $100 if you open a new Chime account through a referral link sent by a friend and then put in a qualifying direct deposit of $200 or more within the first 45 days of opening the account. If you do, you and the person who referred you can earn $100.
Are there any current promotions for existing Chime users?
Though existing Chime users can’t get the sign-up bonus, you can refer a friend to Chime through a referral link, and if they open an account, you both get $100.
When do Chime promotional offers typically expire?
Chime doesn’t post expiration dates for promotions on the website, but you should check in from month to month to see what new bonus or promotion is currently available.
What bonuses does Chime offer new users?
Though Chime currently doesn’t have general sign-up bonuses for new customers, if you are thinking of becoming a first-time Chime customer, try to open an account through a referral link. This was,y both you and the person who referred you can earn $100. You will need to complete at least one direct deposit of $200 in the first 45 days after opening your account to qualify.
Are there any current promotions for existing Chime users?
Chime promotions don’t currently include sign-up bonuses for checking or savings accounts; however, if you are an existing customer, you can send a referral link to friends and family. You get a $100 referral bonus for each new customer who signs up with Chime through your link. Besides this, Chime also offers the SpotMe bonus for existing customers based on your account activity and history.
When do Chime’s promotional offers typically expire?
Chime’s main promotion right now is the referral bonus. This is a $100 bonus that new and existing Chime members can get by using referral links, and it has no listed expiration date.
Can I combine Chime bonuses with other promotions?
No, Chime currently doesn’t have any sign-up bonuses or new customer promotions you can combine, but existing and new bonus and promotion offers, such as the referral or SpotMe bonus, are subject to change.
What bonuses does Chime offer new users?
Chime offers a referral bonus where you can get $100 if you open a new Chime account through a referral link sent by a friend and then put in a qualifying direct deposit of $200 or more within the first 45 days of opening the account. If you do, you and the person who referred you can earn $100.
Are there any current promotions for existing Chime users?
Though existing Chime users can’t get the sign-up bonus, you can refer a friend to Chime through a referral link, and if they open an account, you both get $100.
When do Chime promotional offers typically expire?
Chime doesn’t post expiration dates for promotions on the website, but you should check in from month to month to see what new bonus or promotion is currently available.
What bonuses does Chime offer new users?
Though Chime currently doesn’t have general sign-up bonuses for new customers, if you are thinking of becoming a first-time Chime customer, try to open an account through a referral link. This was,y both you and the person who referred you can earn $100. You will need to complete at least one direct deposit of $200 in the first 45 days after opening your account to qualify.
Are there any current promotions for existing Chime users?
Chime promotions don’t currently include sign-up bonuses for checking or savings accounts; however, if you are an existing customer, you can send a referral link to friends and family. You get a $100 referral bonus for each new customer who signs up with Chime through your link. Besides this, Chime also offers the SpotMe bonus for existing customers based on your account activity and history.
When do Chime’s promotional offers typically expire?
Chime’s main promotion right now is the referral bonus. This is a $100 bonus that new and existing Chime members can get by using referral links, and it has no listed expiration date.
Can I combine Chime bonuses with other promotions?
No, Chime currently doesn’t have any sign-up bonuses or new customer promotions you can combine, but existing and new bonus and promotion offers, such as the referral or SpotMe bonus, are subject to change.

More About Chime

Chime Review
Chime ATM Withdrawal and Deposit Limits
Where To Load Your Chime Card
Chime Customer Service
How To Set Up Direct Deposit With Chime

Caitlyn Moorhead, Cynthia Bowman and Julia Gordon contributed to the reporting for this article.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of July 11, 2025.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

*Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

1There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

2Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

3Out-of-network ATM withdrawal and over the counter advance fees may apply. See here for details.

4The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of May 29, 2025. No minimum balance required. Must have $0.01 in savings to earn interest.

5Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

6SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical Chime Visa® Debit Card or secured Chime Credit Builder Visa® Credit Card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially 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 Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

7Once the retailer accepts your cash, the funds will be transferred to your selected Chime Account. Barcode and debit card cash deposits land in the Checking Account. Credit Builder card cash deposits first go through your Card Account and then land in your Secured Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.

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FAQ

How do I get my $100 referral from Chime?

Hi there! To get SpotMe back you’ll need a qualifying direct deposit of $200 or more every 34 days. This deposit must be from your job, payroll service, gig work, or benefits provider, by Automated Clearing House (ACH) deposit or Original Credit Transaction (OCT).Jun 15, 2024

How do you get $500 from Chime?

We currently offer a referral bonus every time you refer someone new to Chime using your referral link, and they receive a single qualifying direct deposit of $200 or more!* Your friend must enroll and receive a single qualifying direct deposit of $200.00 or more within 45 days of opening their new account.

How do I get my $100 referral from Chime?

What is the origin of the name Roulette?

What is the origin of the name Roulette? The origin of the name “roulette” is French and it means “little wheel”. The name is derived from the fact that the game is played on a small wheel that spins around, with players betting on where the ball will land. The word “roulette” was first used in its current context in the 18th century, although the game itself dates back much earlier.

What role did roulette play in popular culture such as movies and literature?

What role did roulette play in popular culture, such as movies and literature? Roulette has played a significant role in popular culture, appearing in numerous movies, books, and other forms of media. In movies, roulette often appears as a symbol of glamour, luxury, and risk-taking. One of the most famous examples is the classic film “Casablanca,” where the game is prominently featured in several scenes. In the movie, the character Rick (played by Humphrey Bogart) runs a popular nightclub and casino in Casablanca, Morocco, where roulette is one of the main attractions.

When and where was the game of roulette first played?

When and where was the game of roulette first played? The game as we know it today first appeared in Paris in 1796, and quickly gained popularity throughout Europe, especially in the casinos of Monte Carlo. The addition of the zero by Francois and Louis Blanc in the mid-19th century helped to increase the house edge and make the game more profitable for casinos.

How to Download WSOP NV

How to Download WSOP NV 1. Visit the WSOP site 2. Locate the download link and click on it 3. When the download completes, run the installation on your device 4. When the installation completes, you can log in with your existing account or register if you do not already have one 5. Make a deposit via the mobile interface to fund your account 6. You will have access to all tournaments and cash games available via the desktop software

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Cash In Your Pocket! The $100 Bank Account Bonus You Can’t Afford to Ignore! by Lydia Okello Medium

By opening a new Chime bank account using a referral link and making a direct deposit of $200 or more within 45 days you can qualify for the $100 bonus. Once you’ve met the requirements the bonus…

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Enjoy the videos and music you love upload original content and share it all with friends family and the world on YouTube.

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Chime Referral Link Gives a $100 Bonus in May 2023

Our Chime referral link can earn you $100. See steps and screenshots to make sure you get your $100 bonus as a new Chime member.

Chime® Bonus Offers and Promotions GOBankingRates Find out how to refer your friends and family to Chime to earn cash and rewards. Maximize your...

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Cash In Your Pocket! The $100 Bank Account Bonus You Can’t Afford to Ignore! by Lydia Okello Medium By opening a new Chime bank account using a referral link and making a direct deposit of $200 or more within 45 days you can qualify for the $100 bonus. Once you’ve met the requirements the bonus…

By opening a new Chime bank account using a referral link and making a direct deposit of $200 or more within 45 days, you can qualify for the $100 bonus. Once you’ve met the requirements, the bonus… Lydia Okello10 min read·Mar 4, 2024 -- Listen Share Earn a $100 sign up bonus with Chime Bank. Open a new account using a referral link. Make a direct deposit of $200 or more within 45 days.

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How do you get $500 from Chime? We currently offer a referral bonus every time you refer someone new to Chime using your referral link and they receive a single qualifying direct deposit of $200 or more!* Your friend must enroll and receive a single qualifying direct deposit of $200.00 or more within 45 days of opening their new account.

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