Chime $100 Referral Bonus (Step-by-Step Guide)

Get a $100 referral bonus when you open a Chime account and make a direct deposit of at least $200 within 45 days of account opening.

Already a Chime user? Refer people to Chime and you’ll get a $100 bonus for every person that successfully joins and makes a direct deposit of $200 or more. The person you refer will also earn a $100 referral bonus. It’s a win-win with friends and family!

For more current bank offers, see our bank bonuses page. The most popular offers are from Chase BankSoFi, U.S. Bank, and Axos Bank.

This post may contain affiliate links, meaning I get a commission at no cost to you if you decide to make a purchase through my links. Visit this page for more information. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Chime Banking Overview

Chime is a digital bank that provides fee-free financial services through its mobile app. In contrast with traditional consumer firms, Chime has no physical branches and does not charge monthly or overdraft fees.

Account-holders are issued Visa debit cards and have access to an online banking system accessible through chime.com or via the mobile app for Android or iOS. Deposits are FDIC insured up to $250,000.

Chime $100 Referral Bonus

Earn a $100 referral bonus when you open a Chime account and make a direct deposit of $200 or more within 45 days of account opening.

How To Earn Referral Bonus:

  1. Open a Chime account using the referral link above or clicking this link.
  2. Make a direct deposit of $200 or more within 45 days of account opening.
  3. Receive a $100 bonus within two business days of completing a qualified direct deposit.

Once a new customer completes the qualifying activities above, both the referred person and the referrer will get $100 deposited to their respective Chime accounts.

Chime $100 Referral Bonus

Chime has boosted their referral program for a limited time, offering current members a $100 bonus for each new person that they refer who signs up for a Chime account. The referred person will also receive a $100 bonus.

Ninja Note: The Chime referral program offers different referral bonuses, so when you click on a referral link, pay attention to the details (bonus amount and what you need to do in order to receive the bonus).

Chime Referral Bonus: $150
(Image from Chime)

What Are The Details?

Availability: Nationwide
Expiration: 12/31/24
Household Limit: None (everyone in your family can get the bonus!)
Direct Deposit Required: Yes, $200 within 45 days (see what counts as a direct deposit)
Soft/Hard Pull: Soft
Early Account Termination Fee: None

BrokeragePromotionLink
Webull logo20-75 Free StocksLink
Moomoo logo7 Free StocksLink
SoFi logo1 Free Stock ($25)Link
Public logo$20 BonusLink
TradeStation logo$150 Cash BonusLink
M1 Finance logoUp to $500Link
TradeUP$60 BonusLink
Robinhood logo1 Free Stock (Up To $200)Link
tastyworks logo$5,000 BonusLink
Acorns logo$20 Cash BonusLink

Terms & Conditions

In order for both parties (the referred friend and the referring Chime member) to qualify for and receive the $100 referral reward, the following conditions must be met:

  • The referred friend must open a new Chime Spending Account using the referring Chime member’s unique referral link, and receive a payroll direct deposit of $200 or more within 45 days from when the Chime Spending Account was opened.
  • The payroll direct deposit must be made by an employer or payroll provider by an ACH deposit. Bank ACH transfer, Pay Friends transfers, verification or trial deposits from financial institutions, transfers from PayPal or Venmo, and cash loads do not qualify as a payroll direct deposit.
  • Referring Chime member must be part of the $100 for $100 referral reward campaign in order for both parties to be eligible for the $100 referral reward.
  • Referrer is part of the SpotMe Referral Incentive referral reward campaign
  • The referral reward is paid to both parties within 2 business days after qualifying funds are first deposited into the referred friend’s Spending Account.
  • Eligible referring Chime members can earn no more than $1,000 in referral rewards per calendar year (January 1 – December 31).

The Bottom Line

Most people have a $50 or $75 referral offer while some lucky ones had a $100 version. This current Chime promotion is the highest one ever offered.

It’s also an easy sign-up bonus since most people are able to make a $200 deposit. That’s a 50% return with no minimum holding period.

Chime offers an interest rate of 2.00% APY on any balance, which is decent if you wanted to explore their financial technology platform. However, that’s not nearly as good as the best high-yield savings accounts.

I’ll include this offer in the list of the best bank bonuses. Looking for a similar bonus? Check out the referral bonuses from Current.com ($50) and GO2Bank ($75),

Feel free to leave your referral links below in the comments section. Do not write anything else as part of your referral post.

About John Pham

John Pham is a personal finance expert, serial entrepreneur, and founder of The Money Ninja. He has also been fortunate enough to have appeared in the New York Times, Boston Globe, and U.S. News & World Report. John has a B.S. in Entrepreneurship and a Masters in Business Administration, both from the University of New Hampshire.

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Hillary
Hillary
7 months ago

Get $150 cash bonus when you sign up with link and make a direct deposit!

https://chime.com/r/hillarymensah

H.McCoy
H.McCoy
8 months ago

I used K’s link. Up to $175 Chime signup bonus right now, please use my referral link. Ty
chime.com/r/heathermccoy85

K
K
8 months ago

I just used one of the links below and it worked! 🙂 here’s mine: chime.com/r/khuenhowng

Mike
Mike
1 year ago

I used Ashley’s link to sign up. Here’s mine ($100 offer): chime.com/r/michaelkraus28

Mike
Mike
1 year ago

I clicked on several of these links. In the fine print for all of them, it sates that in order for either party to receive the bonus, several conditions must be met, including (3) Referred opened a new Account between January 1, 2022 and December 31, 2022.

Mike
Mike
1 year ago
Reply to  John Pham

Thanks for that info!

Jacqueline
Jacqueline
1 year ago

My family and yours both get $100 when you use this code!

chime.com/r/jacquelinewarren43

Thanks!

Alex Garcia
Alex Garcia
1 year ago

Has anybody had luck recently claiming the chime bonus with a push from chase?

JeffG
JeffG
1 year ago

member.chime.com/join/jeffgao2

Julian
Julian
1 year ago

Why do my posts keep getting deleted?

All I’m trying to do is leave my referral link…

Julian
Julian
1 year ago
Reply to  John Pham

Okay… I’m sorry about that. When I tried posting, and nothing happened, I kept trying different keywords hoping one of my comments would stick. It didn’t work so I just assumed I was banned or something.

Anyway, if you allow it, I will simply try again to leave my referral link in a newly posted comment. Feel free to remove this thread. Have a good one 👍

chime.com/r/julianguerra17

Rockkeem
Rockkeem
1 year ago
Reply to  John Pham

John,
Chime is asking me is giving me hassle for your info.. They’re asking me for your email or phone number to get my $100 for the referral bouns.

Greg
Greg
2 years ago

Enjoy We’ll both earn $100 when you join Chime and receive a qualifying direct deposit! Learn more. chime.com/r/gregorylirette

ed b
ed b
2 years ago

Is there someone who wants to share their $100 if I use there name for a referral?

Lee
Lee
2 years ago
Reply to  ed b

Hi ed b,
Yes, I will share $40 with you if you used my chime referral.

Thanks in advance,
Lee

Stephanie
Stephanie
2 years ago

We’ll both earn $100 when you join Chime and receive a qualifying direct deposit! Learn more. chime.com/r/stephanieyuen

Colin
Colin
2 years ago

The bonus is still going strong. Receive $100 by using my referral link and and direct deposit $200 within 45 days. No fees. Can withdraw anytime. No hard credit pull (soft pull only). Check it out!

chime.com/r/colinrose2

Roberto Gil
Roberto Gil
2 years ago

✨ Chime Bank $100 Bonus. (EASY, No Direct Deposit Required)
Chime $100 Bonus.

chime.com/r/robertogil

Get $100 when you join and deposit $200 into your account which could be deposited using Cashapp, Zelle, Venmo Chase etc.

Alex
Alex
2 years ago

Easy money during this never ending pandemic.

1-Use my link
chime.com/r/rafaelcontiero
2-Deposit $200 to your new chime account. Easiest way is to set up an external transfer from using your existing bank account.
3- Get $100 free.

Rae
Rae
2 years ago

chime.com/r/raevinbailey …. single mom could really use the christmas bonus plus we each get $100 and I will send you $25 out my bonus!

Tammie Carter
Tammie Carter
2 years ago
Reply to  Rae

Im a New customer to chime

ed b
ed b
2 years ago
Reply to  Rae

i would like to split this with how can you contact me directly?

Luke Forchetti
Luke Forchetti
1 year ago
Reply to  Rae

Hey did u get my message email me I need info chime is saying for us to get the bonus westrn177 [at] gmail.com
thanks

Devin Stephens
Devin Stephens
2 years ago

New and active link!

We’ll both earn $100 when you join Chime and receive a qualifying direct deposit! Learn more.

chime.com/r/devinstephens19

Damnear Kilter
Damnear Kilter
2 years ago
Reply to  Devin Stephens

I’m trying to use ur link

Yumi
Yumi
2 years ago

🥰🥰🥰We’ll both earn $100 when you join Chime and receive a qualifying direct deposit! Learn more. 😍https://chime.com/r/quynguyen6

Brian gonani
Brian gonani
2 years ago

We’ll both earn $100 when you join Chime and receive a qualifying direct deposit! Learn more. chime.com/r/briangonani

Andrew Maddocks
Andrew Maddocks
2 years ago

$100 for each of us! chime.com/r/andrewmaddocks

Michael
Michael
2 years ago

I also got the new promotion! Chime will give both of us $100 each when you sign up and direct deposit $200:

https://www.chime.com/r/michaelpham18/

Pav
Pav
2 years ago

Here is a link for the $100 bonus deal. We’ll both get $100 when you join a Chime and set up direct deposit! Thanks for using my link! chime.com/r/pavansaranguhewa

Ashley
Ashley
8 months ago

We’ll both get $100 when you join a Chime and set up direct deposit! https://chime.com/r/ashleyholland68

david.mondin@gmail.com
david.mondin@gmail.com
8 months ago
Reply to  Ashley

What is your email address Chime is asking me

Ashley
Ashley
8 months ago

It’s: aholland22 AT gmail DOT com

Jen Nguyen
Jen Nguyen
2 years ago

We’ll both get $75 when you join Chime and set up direct deposit! chime.com/r/jennifernguyen68

Austin Lewis
Austin Lewis
2 years ago

Get $75 when you use my link to open a Chime bank account and set up direct deposit!
chime.com/r/austinlewis70

Free money!