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Chime promotions and bonus offers of July 2024

Chime’s bonuses are earned through direct deposit and referrals.

Chime offers a direct deposit signup bonus of $100 that you can earn within 30 days of signing up for the Chime Checking account after meeting the requirements. There’s also a referral bonus, in which you and a friend can each earn $100.

All Chime’s bonuses at a glance

Bonus typeBonus amountRequirementsLearn more
Chime® Checking Account direct deposit bonus$100Activate the promotion in the app within three days of account signup, and activate the physical Chime Visa Debit Card within 30 days of account opening. Set up a qualifying direct deposit of at least $200. You’ll receive the $100 direct deposit bonus within 10 days.
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Chime referral bonus$100Send a referral link to a friend who must complete a qualifying direct deposit of at least $200 within 45 days of opening their account.
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Chime’s best bonus offer

Chime offers only two bonuses to earn, which tracks, considering it only has one checking account, simply called the Chime Checking Account. There’s the direct deposit bonus and the referral bonus that also has direct deposit requirements.

Earning the Chime Checking Account bonus is pretty easy to get. To earn Chime’s bonus, you just need to set up qualifying direct deposit of $200 or more, set up your physical Chime card and activate the promotion in the app within 30 days of account opening. You’ll also get the $100 bonus within 10 days after you meet requirements, which is pretty fast, as most other bank accounts release bonuses after 30 days or so.

There’s also no expiration date listed for the Chime $100 direct deposit bonus promotion.

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 its bonus:

  • 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

Compare more bank account bonuses

Chime only offers a direct deposit bonus and a referral bonus, but they’re rather easy to earn. But if you’re looking for a bigger signup or direct deposit bonus, or Chime just isn’t the fintech for you, compare more bank account bonuses here.

BankBonus offerMore info
PNCUp to $1,000Learn more
SoFiUp to $300Learn more
VaroUp to $50Learn more

Frequently asked questions

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, but as of 2024, that bonus is currently the $100 direct deposit bonus with the same requirements.
How to get SpotMe bonus on 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.

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

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

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Bethany has written 396 Finder guides across topics including:
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