New $200 Chime Account Bonus through September 30, 2022: You can now earn a $200 cash bonus when you open a Chime account and receive a $200 minimum payroll direct deposit within 30 days of sign-up. Please note that 2 qualifying payroll direct deposits of more than $200 each are required to complete this special $200 bonus offer (only 1 direct deposit is required for the $100 standard offer below). To access this offer, open a Free Upromise Account, which is a cash back network similar to Rakuten, and then visit the “Offers” section to find Chime under the Features Offers. The $200 cash bonus will be credited to your Upromise account, which can be transferred directly to your checking/savings account. It’s free to join Upromise, and anybody can join (you don’t need to be a student), so this is a great opportunity to earn $200 for joining Chime. Please note that the $100 offer below is still valid if you prefer not to join Upromise, but you’ll earn an extra $5.29 bonus for verifying your email address with Upromise as well.
The Chime banking service has updated their referral program to provide new card members with a $100 sign-up bonus when you join via a current member’s referral, plus current members will earn a $100 referral bonus for each new member that you refer.
New Chime Card members can join via this Chime $100 Bonus Link (provided by reader Blaine in comments) to earn a $100 sign-up bonus when you receive a payroll direct deposit of $200 or more within 45 days from when the Chime Spending Account was opened (you must also activate your physical Chime Visa Debit Card within 14 days of receiving a qualifying direct deposit).
Please see the fine print on the bottom of the promo link’s landing page for details about the $100 bonus offer.
About Chime Banking Service
Chime is an online-only bank with none of the typical banking fees that provides you with a Chime Visa Debit Card, a Spending Account, and an optional Savings Account that are all easily managed through their website and app.
There are no monthly service fees, no minimum balance requirement, no overdraft, no foreign transaction fees, no transfer fees, and over 30,000 fee-free MoneyPass ATMs where you can get cash.
When you join Chime, you are opening a Spending Account with a Visa Debit Card, which allows you to manage and spend your funds like a checking account.
If you opt to also open Chime’s Automatic Savings Account, you can set up an automatic savings plan to further grow your savings.
By downloading the Chime mobile app, you can access your account balances from anywhere, get transaction alerts, send money instantly to friends, and deposit paper checks.
Plus, you can earn a $100 bonus for each friend that you refer who opens a Chime banking account, and your friends will earn a $100 sign-up bonus when they join via your referral.
Chime Banking $100 Sign-Up Bonus for New Customers
New customers can sign up via this Chime $100 Referral Bonus Link to get a $100 bonus when you apply for the Chime Spending Account.
In order to qualify for the $100 bonus, you must enroll using the above referral link, successfully pass ID verification, and receive a payroll direct deposit of $200 or more within 45 days from when the Chime Spending Account was opened.
In addition, you must activate your physical Chime Visa Debit Card within 14 days of receiving your qualifying direct deposit.
When the new customer completes the above actions, both parties will qualify for the $100 rewards.
Please note that the above referral link is provided by a user that has access to the “$100 for $100 referral reward campaign,” which you can see within the fine print on the bottom of the referral landing page, and not all Chime users will have access to this same referral offer.
Chime Banking $100 Referral Bonus Program
The Chime Referral Program offers current members a $100 bonus for each new customer that you refer who signs up for a Chime account.
Plus, new customers will also receive a $100 bonus, so everybody benefits.
However, it’s important to note that Chime is currently offering multiple different versions of the referral program for customers right now, so check your account carefully to see which offer you have access to.
When you click through a referral link, you can also check the fine print on the bottom of the sign-up page to see for which offer you are qualifying.
Please feel free to share your Chime referral links in the comments below this article.
Referral Program Terms
In order for both parties (the referred friend and the referring Chime member) to qualify for and receive the $100 referral reward, the following conditions must be met:
- The referred friend must open a new Chime Spending Account using the referring Chime member’s unique referral link, and receive a payroll direct deposit of $200 or more within 45 days from when the Chime Spending Account was opened.
- The payroll direct deposit must be made by an employer or payroll provider by an ACH deposit. Bank ACH transfer, Pay Friends transfers, verification or trial deposits from financial institutions, transfers from PayPal or Venmo, and cash loads do not qualify as a payroll direct deposit.
- The referred friend must activate their physical Chime Visa Debit Card within 14 days of receiving a qualifying direct deposit.
- Referring Chime member must be part of the $100 for $100 referral reward campaign in order for both parties to be eligible for the $100 referral reward.
- The referral reward is paid to both parties within 2 business days after qualifying funds are first deposited into the referred friend’s Spending Account.
- Eligible referring Chime members can earn no more than $1,000 in referral rewards per calendar year (January 1 – December 31).
Chime Spending Account with Debit Card
When you open a Chime account online, you’ll get a Spending Account with the Chime Visa Debit Card.
There are no minimum balance requirements, no monthly service fees, no transfer fees, and no other hidden fees.
The Chime Spending Account makes managing your money easy from anywhere in the world via the Chime App.
If you set up a direct deposit to your Spending Account, you can get paid up to 2 days early.
You can use the Chime Visa Debit Card anywhere Visa debit cards are accepted around the world with no foreign transaction fees.
With Chime’s new SpotMe feature that provides fee-free overdrafts, you don’t have to worry about paying a large fee if you go a little over your budget.
All of your deposits are FDIC insured for up to $250,000 through The Bancorp Bank.
Chime Automatic Savings Account
The Chime Savings Account is a free automatic savings option that allows you to set money aside for any savings goals that you may have.
You simply enroll in Automatic Savings for free, and you’ll then save money automatically with every Chime debit card purchase that you make or when you direct deposit your paycheck.
Whenever you make a purchase with your Chime debit card, Chime will automatically round up each purchase to the nearest dollar and transfer the round-up amount from your Spending Account to your Savings Account.
You can also opt to automatically transfer 10% of every paycheck directly into your Savings Account, so that you can achieve your financial goals faster.
The Chime Savings Account is a free and optional account that you can activate once you open your Chime Spending Account with the Chime Visa Debit Card.
A special thank you goes out to Doctor of Credit for letting me know that the Chime referral program was perpetually extended each month.
Please feel free to share your Chime referral links in the comments below this article along with your user experiences, and start a referral conga line, so that everybody can get the $100 bonuses.