At Chime®, we believe that banking should be simple, accessible, and helpful. One of the ways we show our appreciation to our members is through our referral program, which allows you to earn rewards when you invite friends and family to join Chime.
Whether you’re new to Chime or a long-time member, here’s everything you need to know about how to participate and earn rewards for referrals.
What is Chime’s standard referral program?
The Chime referral program rewards both you and the person you referred when they sign up for a Chime account using your referral link and meet the qualifying criteria.
It’s a simple way to share your love for Chime while earning extra cash or rewards.
How do Chime referral incentives work?
When your friend or family member successfully opens a Chime Checking Account and receives a qualifying direct deposit of $200 or more within 45 days of opening their account, you both get a reward – deposited directly into your Chime accounts.
- Your reward amount may vary depending on ongoing promotions. Check your Chime app for current referral bonuses!
- Your referral bonus will be credited automatically once all requirements are met.
- You can refer up to 10 people per year.
When will I receive my referral reward?
Your reward will be deposited into your Chime account once your friend meets the referral requirements, which includes receiving a qualifying direct deposit of $200 or more within 45 days.
How can I check my referral reward status?
You can track the status of your referrals directly in the Chime app by tapping on the icon in the top-right of the home screen.
How do I invite friends to join Chime?
Inviting friends to Chime is easy! Here’s how you can share your referral link:
- Open the Chime app.
- Tap Refer in Settings or tap the referral widget directly from the home screen.
- Share your unique referral link via text, email, or on social.
- You and your friend will receive the referral bonus after they sign up using your link and receive a qualifying direct deposit.
Encourage your referrals to set up direct deposit when they open their Chime account to make sure they meet the referral bonus requirements.
Can I refer multiple people?
Yes! You can refer up to 10 people a year to receive more rewards.
How to maximize your referral rewards
Want to earn the most from Chime’s referral program? Here are some expert tips:
- Share your referral link in your communities – friends, co-workers, and group chats could all benefit from Chime’s helpful products.
- Highlight the benefits – Explain how Chime helps with getting paid early, avoiding fees, and managing money easily.
- Encourage direct deposit setup – Remind your friends they need a qualifying deposit to unlock the reward.
Start earning rewards with Chime’s referral program today!
Ready to start earning? Open a Chime app now and invite your friends to experience the benefits of better online banking. The more you refer, the more you can earn!
Not only does Chime offer a rewarding referral program, but it also provides a range of features that make banking easier and more accessible, including:
- Get Paid Early – Receive your paycheck up to two days early1 with a qualifying direct deposit.
- No monthly fees – Say goodbye to maintenance fees, overdraft fees, and minimum balance requirements.
- Fee-free overdraft – Eligible members can overdraft up to $2002 fee-free with SpotMe®.
- 50,000+ fee-free ATMs3 – Access cash at thousands of ATMs nationwide.
- Build credit with no credit check – The Chime Secured Credit Builder Visa® Credit Card4 helps you build credit5 without hard pulls.
FAQS about Chime referrals
Does my referral need to use my exact referral link?
Yes, your friend or family member must use your referral link when signing up for a Chime Checking Account to be eligible for the referral bonus.
What qualifies as a direct deposit?
A qualifying direct deposit includes payroll deposits from your employer, government benefits, or other ACH deposits. Bank transfers and peer-to-peer transfers (e.g., PayPal, Venmo) do not count.