Find all Chime Promotions, Bonuses, and Offers here.

No doubt that banking is transitioning to a more mobile approach. With no brick and mortar branches, there are less costs the financial institution has to incur. Therefore, those savings can be passed onto their consumers via rewards, better rates, etc.

Chime is your mobile-only bank that offers a checking (spending) account and a savings account!

The benefit of Chime is that each time you purchase something with your card, Chime rounds that amount up to the nearest dollar and deposits the difference into your savings account. Sweet deal, huh? It gets better. Right now, if you make the switch, you can get $100 bonus plus earn 2.00% APY on the Savings account.

Chime $100 Sign-Up Bonus Link

Update 5/23/25: You earn up to $1000 bonuses per year for referring your friends and family.

Chime Bank Savings Account Rate

Open a new Chime Bank Savings Account to earn this generous APY rate!

• Rate Offer: 2.00% APY Rate
• Availability: Nationwide
• Credit Inquiry: Soft Pull
• Credit Funding: None
• Minimum Balance: None
• Maximum Balance: None
• Monthly Fee: None
  
• Early Termination Fee: None

(FDIC Insured)

Editor’s Note: Earn $100 bonus when you set up direct deposit of $200 or more within the first 45 days of opening your Chime Checking Account.

Chime $100 Sign-Up Bonus

New users can earn a $100 cash bonus when you use a referral link to open a new Chime Spending Account and receive a payroll direct deposit of at least $200 within your first 45 days.

• What you’ll get: $100 bonus
• Availability: Nationwide
• Direct deposit requirement: Yes, $200+
• Credit inquiry: Soft Pull
• Monthly fees: None
• Early termination fee: None
• How to earn it: Set up direct deposit of $200 or more within the first 45 days of account opening

(Sign up with us)

Fine Print

•  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.
• 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.

Chime $100 Referral Bonus

Chime is now offering a $100 referral bonus when you open a Chime Spending Account. So for every friend you refer, Chime will give you and your referral a bonus cash reward!

Plus it’s good to know, there’s no limit to how many people you can refer, but you can only earn $1,000 in referral bonuses a year.

• What you’ll get: $100 bonus
• Availability: Nationwide
• Direct deposit requirement: Yes, $200+
• Credit inquiry: Soft Pull
• Monthly fees: None
• Early termination fee: None
• How to earn it:
  • Log into your Chime account to get your unique referral link.
  • Share your referral link to everyone you know.
  • Earn a cash bonus when one of your referral:
    • Registers for a new Chime Spending Account,
    • Verifies their ID, and
    • Receives a direct deposit of $200 or more within 45 days from opening their account.

(Sign up with us)

Fine Print

•  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.
• 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.

Chime Top Features

When you bank with Chime, you get a Chime Visa® Debit Card, a Spending Account, and a Savings Account that can be managed entirely from your smartphone.

• Spending Account
  • Your Chime Spending Account is the secure place to deposit funds and handle all your expenses from any screen. Check your balance, view transactions, and analyze your spending.
• Chime Visa® Debit Card
  • Your Chime Visa Debit Card may be used everywhere Visa debit cards are accepted. The more you use your Chime card, the more you’ll save when you enroll in Automatic Savings.
• Savings Account
  • Set money aside for a rainy day or a sunny vacation. Enroll in Automatic Savings, and you’ll save money automatically with every Chime card purchase.
• No Unnecessary Fees
  • Your bank account shouldn’t cost you money. With Chime there are no monthly minimums or fees, no overdraft fees, and ATMs are fee-free at over 24,000 MoneyPass locations. You can also locate 30,000 fee-free cash back locations using the ATM Finder in the Chime App

In addition:

• The Chime Visa Debit Card is issued by The Bancorp Bank; Member FDIC
• Visa Zero-Liability Policy protects all unauthorized purchases
• Over 24,000 fee-free ATM and 30,000 cash-back locations.
• Real-time alerts for every banking transaction
• Automatic Savings takes the effort out of saving
• No minimum, monthly, or overdraft fees

Author’s Verdict

You can score yourself a $175 bonus by simply meeting the stated requirements. No doubt that banking is transitioning to a more mobile approach which could lead to more brick and mortar branches disappearing soon. Banking online has many benefits since these financial institutions have less costs – that way, we can earn better rates, rewards, etc.

Find more bank promotions from banks like Chase Bank, TD Bank, HSBC Bank, Bank of America and many others.

Definitely check out this service. Let us know in the comment section below on your thoughts and experience with this service!

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