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 Bank, SoFi, KeyBank, BMO 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).

What Are The Details?

Availability: Nationwide
Expiration: 12/31/25
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

Brokerage	Promotion	Link
	40 Free Stocks	Link
	15 Free Stocks	Link
	1 Free Stock ($25)	Link
	$20 Bonus	Link
	$150 Cash Bonus	Link
	$75 Bonus	Link
	$60 Bonus	Link
	1 Free Stock (Up To $200)	Link
	$5,000 Bonus	Link
	$20 Cash Bonus	Link

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.