Terms and Conditions

In order for a referring Chime member (the “Referrer”) to qualify and receive the 3 individual $100.00 referral rewards plus an additional $200.00 bonus referral reward for a total of $500.00 and a $10.00 temporary SpotMe Bonus Limit increase for this referral incentive (the “Promotion”), the following conditions must be met: (1) the Referrer must have an active Chime Checking Account (“Chime Account”); (2) Referrer must meet SpotMe eligibility requirements, which can be found at SpotMe Terms and Conditions for The Bancorp Bank, N.A. members and at SpotMe Terms and Conditions for Stride Bank, N.A. members; (3) the Referrer must send their personal referral link to consumers who have not previously opened a Chime Account (“Referred”); (4) 3 Referreds must open a new Chime Account using the Referrer’s personal referral link within 10 days of the Referrer receiving notice of this Promotion; and (5) each Referred must receive a Qualifying Direct Deposit (see below) of $200.00 or more into their Chime Account within 45 days of opening the Account. A Qualifying Direct Deposit is a deposit by Automated Clearing House (“ACH”) that comes directly 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 deposits, one-time direct deposits, such as tax refunds and other similar transactions are not Qualifying Direct Deposits. If not all qualifications for this Promotion are met to receive the full $500.00, the Referrer and Referred may still be entitled to the individual $100.00 monetary reward associated with opening a Chime Account via personal referral link so long as the Referred opens a new Chime Account and receives a Qualifying Direct Deposit within 45 days of Chime Account opening.  The monetary rewards for this Promotion will be paid out as follows: each $100.00 reward will be paid out within seven (7) business days after each Referred receives a Qualifying Direct Deposit to their Chime Account. The additional $200.00 bonus for the Referrer for this Promotion will be paid out after all 3 Referreds have received Qualifying Direct Deposits as stipulated in these Promotion terms and will be paid out as a separate payment to the Referrer’s Chime Account within two (2) business days after the Referrer receives the last individual $100.00 reward, as eligible. Eligible Referrers are only eligible to receive the total reward amount for this Promotion reward once. Eligible Referrers may receive in-app banners, push notifications, and email notifications alerting them to the existence of the Promotion and their eligibility to participate, but this is not a criteria to participate. 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. Members may earn no more than $1,000.00 in monetary referral rewards per calendar year (January 1, 2024 – December 31, 2024), however this promotional limit cap does not apply to the additional 200.00 monetary reward for this Promotion. No member’s SpotMe limit, including base limit, boosts, and bonuses, may exceed $270.00, unless otherwise stated by Chime and its bank partners. 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 referral 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. 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. The Referrer’s Chime 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 Chime 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, referral bonuses (Referrers), and other monetary Chime incentives that total $600.00 or more in one calendar 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.