Chime® Account Bonuses for 2026

Does Chime have any bonuses right now?

Yes, Chime has a bonus offer of up to $350 by meeting deposit requirements when opening its checking account. Chime has also offered referral bonuses, other direct deposit bonuses, and even an exclusive Finder reward, too.

All Chime bonuses at a glance

Chime’s best bonus offer

With only one active offer at the time of writing, the default “best” Chime bonus offer is the $350 bonus with a new Chime Checking Account.

Bonus spotlight

If you’re still in the market for an account, check out Finder rewards for more opportunities.

Compare more bank account bonuses

Compare more bank account bonuses here.

• SoFi terms and conditions

  New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at sofi.com/banking/checking-offer/
  
  Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 5/28/26. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
  
  We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
  
  SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.
  
  We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.
  
  Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.
  
  Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.
  
  Earn up to 3.80% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.10% APY) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct Deposit by 12/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.

Frequently asked questions

• What does Chime consider qualifying direct deposit?

  Chime accepts qualifying direct deposit of an ACH from an employer, payroll provider, benefits payer or gig economy payer. In other words, Chime considers verified income as qualifying direct deposit. These requirements also apply to its referral bonus, requiring the referred person to set up $200 or more in qualifying direct deposits for you both to earn the $100 referral bonus.

  Chime does not consider these deposit methods and other similar deposits as qualifying direct deposits to earn running account bonuses:

  • Bank ACH transfers
  • Peer-to-peer transfers, such as transactions from Cash App or Venmo
  • Trial deposits from other banks or institutions
  • Cash loads or deposits
  • One-time direct deposits
  • Tax refund deposits
  • Mobile check deposits

• Is Chime a bank?

  Chime is a fintech, not a bank. It provides banking services through its bank partners.

• Are there banks with immediate signup bonuses?

  Rarely. Most welcome or signup bonuses for bank accounts come with direct deposit, balance or activity requirements, and after you meet those conditions, you'll earn the bonus. In many cases, you'll receive your bank account bonus 30 to 90 days after meeting the requirements.

• Does Chime have a $50 signup bonus?

  Chime used to offer a $50 direct deposit bonus for its Chime Checking Account, and then a $100 bonus, but as of 2025 both of these offers are expired.

• Is there a SpotMe® bonus for Chime?

  The Chime SpotMe bonus is a temporary increase in your SpotMe limit, not a true "cash" bonus like its direct deposit bonus with its checking account. To earn SpotMe bonuses, you must participate in a Chime promotional campaign. These are limited-time offers, occasionally offered by Chime.

To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.

Written by

Bethany Hickey

Banking editor

Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

Bethany's expertise

Bethany has written 448 Finder guides across topics including:

• Personal finance
• Banking
• Auto loans
• Insurance
• Cryptocurrency and NFTs