Terms and Conditions

Rush Shipping Terms and Conditions:  In order for the referring Chime member (“Referrer”) to qualify for complimentary rush shipping of their physical Chime Visa® Debit Card (“Debit Card”) promotion (the “Promotion”), they must send a specified number of referral invites within 1 hour of enrolling in a Chime Checking Account. The number of required referral invites to qualify for complimentary rush shipping will be specified in the Chime mobile in-app communications regarding the Promotion. Whether or not the Referred actually enrolls in a Chime Checking Account does not impact the Referrers ability to receive rush shipping. Participation in this Promotion is not required to receive a physical Debit Card in the normal course by regular mail, which generally takes up to 12 business days. If the Referrer decides to participate in this Promotion and all required criteria are satisfied, the Referrer will receive complimentary rush shipping of their Debit Card. Eligible Referrers who satisfy all required criteria to receive complimentary rush shipping for this Promotion will receive their Debit Card in 3 business days. The complimentary rush shipping will be offered so long as the Promotion is accessible in the Chime app. 

Referral Terms and Conditions: In order for the referring Chime member (“Referrer”) to qualify and receive the $100.00 monetary referral reward and $10.00 temporary SpotMe Bonus Limit increase for this promotion (the “Promotion”), all of the following conditions must be satisfied: (1) Referrer meets SpotMe eligibility requirements TBBK SpotMe Terms & Conditions and is part of the Referral Incentive campaign; (2) Referred has not previously opened a Chime Checking Account (“Account”); (3) Referred opens a new Account between January 1, 2024 and December 31, 2024; (4) Referred opens the new Account using the Referrer’s unique referral link; (5) Referred receives in the new Account a Qualifying Direct Deposit within 45 calendar days of opening the Account; and 6) Referred activates 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. Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be legitimate are not Qualifying Direct Deposits. Members will not be enrolled in SpotMe automatically. Referrer Members must qualify for SpotMe and enroll manually through the Chime App in order to receive the temporary SpotMe Bonus Limit increase. Members may earn no more than $50.00 in SpotMe Bonus Limit referral increase and may earn no more than $1,000.00 in monetary referral rewards per calendar year (January 1, 2024 – December 31, 2024). No member’s SpotMe limit may exceed $270.00 between SpotMe base limit ($200.00 max), Bonuses ($50.00 max), and Boosts ($20.00 max). Any Referrer SpotMe Bonus limit increase referral reward will expire 184 calendar days from the Referred receiving a Qualifying Direct Deposit. Any earned SpotMe Bonus Limit increases from this Promotion in the Member’s bonus queue (“Bonus Queue”) not yet added to the Member’s SpotMe limit (due to the promotional limit cap) will be added to the Member’s SpotMe limit on a rolling basis as the previously added SpotMe increases from this referral reward expire. Once the temporary SpotMe Bonus Limit ends, Members may no longer earn SpotMe increases on this Promotion, however the earned SpotMe bonuses in the Member’s Bonus Queue will not be lost. If an eligible Referrer loses SpotMe eligibility, and the Referred completes the above conditions, the Referrer will receive the $10.00 temporary SpotMe Bonus Limit increase referral reward only upon regaining SpotMe eligibility. Referral rewards will typically be provided within two (2) business days after all the above conditions are met. The Referrer’s account must be in good standing in order to receive the referral reward. Referred individuals acknowledge that payment of any referral reward may result in the Referrer’s knowledge of the Referred’s establishment of a new Account or enrollment in a product. Chime reserves the right to cancel or modify the terms of any referral promotion or terminate a member’s eligibility at any time with or without prior notice. Credits of $10.00 or more will be reported on tax form 1099-INT for new members (Referred). If a Chime member receives certain monetary rewards that total $600.00 or more in one year, this will be reported on tax form 1099-MISC as required for the Chime member. Banking services are provided by The Bancorp Bank, N.A., or Stride Bank, N.A., Members FDIC.