Chime Deals Terms and Conditions

By using this service you acknowledge and agree to these Chime Financial, Inc. (“Chime”) Deals terms and conditions (“Terms”) and the category-specific merchant terms, as seen in your Chime mobile app. These Terms and the category-specific merchant terms apply to the cash back offers (each offer a “Merchant Offer”, or collectively, the “Merchant Offers”) listed in the Chime mobile app Chime Deals hub (the “Hub”). These Terms provide information on how you will receive cash back to your Chime Checking Account (“Checking Account”) after you make a qualifying purchase at a participating merchant (“Merchant”). These Terms may be amended from time to time. Chime may terminate the Chime Deals program at any time at its sole discretion. Your continued use of the Hub signifies your acceptance of any subsequent modifications to these Terms.

The Merchant Offers listed in the Hub are based upon your real-time geolocation data, in accordance with your authorization, or the zip code listed in the settings tab of your Chime mobile app. Each Merchant Offer will include its own set of terms and conditions, referred to as the category-specific merchant terms, which provide more information on the details of that category-specific Merchant Offer in the Hub. The Merchant Offers in the Hub are sourced and provided by Upside Services, Inc. (“Upside”), and Upside is responsible for identifying qualifying purchases and the Member qualifying spend for each purchase. This transaction information is then communicated to Chime in a secure and anonymized fashion, so that Chime may deliver cash back to eligible Members.

The Upside Terms of Service and Privacy Policy can be found at these hyperlinked web pages. Merchant Offers are generally subject to the Cash Back rewards program terms contained in the Upside Terms of Service. However, Chime Deals participants are not subject to terms concerning checking in at retail establishments, receipt uploads, redemption fees, distribution request, and payout processes. Chime Deals participants are not eligible to participate in Upside’s referral programs through the Chime Deals service. The terms governing Merchant Offers are determined and provided by Upside, and cash back is provided by Chime according to those terms. Upside may validate your purchase of products or services associated with a Merchant Offer using retailer or third-party transaction log data, receipt data using unique identifiers such as card number or phone number, or your location as permitted in your device settings. If Upside is not able to validate a purchase, or if you return, modify, or cancel a purchase, neither Chime nor Upside have any obligation to provide any cash back reward for that purchase, and Chime or Upside may revoke any cash reward previously provided for that purchase. Certain items may be ineligible for cash back rewards in connection with a Merchant Offer, such as, but not limited to tobacco, alcohol, lottery tickets, prescription medication, and service tips. Cash back rewards are solely for the benefit of the owner of the associated account. Merchant Offers are solely for promotional purposes and cannot be sold, purchased, or exchanged for cash or other valuable consideration.  These Terms govern the Chime member experience, including how Chime Members receive cash back to their Chime Checking Account. If any provision of these Terms conflicts with the Upside Terms of Service, these Terms shall control.

Member participation in the Merchant Offers is subject to these Terms and is subject to the Governing Law and Arbitration provisions of the agreement governing the Member’s Checking Account (known as the Chime Deposit Account Agreement), and those specific sections of that agreement are incorporated into these Terms by reference.

OFFER SUMMARY

Eligible Chime members (“Members”) may participate in the Merchant Offers by: (1) activating the applicable Merchant Offer via tapping either the (+) button,  “activate offer button,” or other button displayed for the purpose of activating a specific Merchant Offer within the Hub prior to making a qualifying purchase at the Merchant; and (2) swiping their physical Chime Visa® Debit Card (“Debit Card”), physical secured Chime Credit Builder Visa® Credit Card (“Credit Builder Card”), or physical Chime Cash Rewards Visa® Credit Card (“Cash Rewards Card”) at the Merchant’s point-of-sale (“POS”) device to make a qualifying purchase within the specified period of time as stated in the Hub of activating the Merchant Offer in the Hub. If permitted by the Merchant, the Member may also provide their virtual card information to the Merchant to make the qualifying purchase. Purchases made using a digital wallet, such as Apple Pay or Google Wallet, will not be considered a qualifying purchase. Member does not need to pre-select which Chime card they will use prior to participating in a Merchant Offer.

Ability to earn cash back for each Merchant Offer expires within the specified period of time as stated within the Hub. After expiration, you may reactivate a Merchant Offer by taking the steps outlined above. However, there is no guarantee that the exact same Merchant Offer will be available again after expiration in the Hub. Members may earn cash back as long as their Checking Account is open and in good standing and Chime continues to offer Merchant Offers. Members will not be eligible to earn cash back rewards if their Checking Account is closed or suspended for any reason.

You agree to receive notice by email, in-app banner, or push notification of Merchant Offers in the Hub.

The Merchant Offers are void where prohibited by federal, state, or local law.

QUALIFYING PURCHASES

Please refer to the category-specific merchant terms in the Hub for full details on qualifying purchases. Some restrictions apply. Upside is solely responsible for identifying qualifying purchases.

EARNING CASH BACK REWARDS

Please refer to the category-specific merchant terms in the Hub for full details. While there is no Chime-specific cap on the amount of cash back rewards that a Chime Member may earn by participating in the Merchant Offers in the Hub, there may be exclusions and/or caps on qualifying purchases per Merchant Offer as determined by Upside and/or third-party merchant participants. Upside and/or third-party merchant participants may impose restrictions on the number of Merchant Offers that you may activate at any one time. Please refer to the instructions and detail screens in the Hub for more details.

WHEN YOU WILL RECEIVE CASH BACK REWARDS

Cash back rewards earned on qualifying purchases will be transferred to the Member’s Checking Account generally within ten (10) days after the qualifying purchase is made using their Debit Card, Credit Builder Card, and/or Cash Rewards Card. Upside is responsible for communicating qualifying purchase data to Chime, so that Chime can transfer earned cash back rewards to the Member’s Checking Account.

Once any earned cash back rewards are transferred to a Member’s Checking Account, they will be available for use, subject to the terms and conditions of their Checking Account. The cash back rewards you earn on qualifying purchases will show in the Checking Account section within your Chime app and on your billing statement.

EXPIRATION AND FORFEITURE

Earned cash back rewards do not expire, so long as the Member’s Checking Account is open and in good standing.

If a Member closes their Checking Account, any earned cash back rewards not yet transferred to their Checking Account will be forfeited.

If the Checking Account is suspended for any reason, the Member may no longer participate in Chime Deals unless the Checking Account is reinstated, if reinstated. Any earned cash back rewards prior to account suspension may not be transferred until the Checking Account is reinstated, if reinstated.

CASH BACK REWARDS ADJUSTMENTS

Chime reserves the right to make adjustments to your cash back rewards as the result of canceled transactions, fraudulent transactions, refunds or other credits from merchants, and other credits to your Checking Account, Credit Builder Card, or Cash Rewards Card (including those resulting from successful transaction disputes). If Chime determines that an adjustment is required due to a canceled transaction, fraudulent transaction, refund or other credit from the merchant, or other credit to your Checking account, the previously awarded cash back will be deducted from your Checking Account.  Adjustments may cause a negative balance in your Checking Account, in the event that the amount in your Checking Account is less than the amount of the required adjustment. If an adjustment is made, it will be shown in the Chime app as a negative cash back rewards amount. Please refer to your Chime Deposit Account Agreement for information on how a negative balance in your Checking Account is addressed.

OTHER CONDITIONS

Chime reserves the right to cancel Chime Deals, or terminate eligibility in compliance with these Terms, at any time with or without prior notice. You acknowledge that the Merchant Offers in the Hub are promotional offers to which no consideration has been paid to you and that the Merchant Offers have no cash value. Unless and until the cash back rewards are transferred to your Checking Account, no tangible or intangible right, title, or interest in the cash back rewards has been earned. Nothing herein requires Chime to transfer any cash back rewards to your Checking Account if the Merchant Offer has been canceled, terminated, or suspended. Chime reserves the right to change these Terms at any time in its sole discretion.

Banking services are provided by The Bancorp Bank, N.A., or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc and may be used everywhere Visa debit cards are accepted. Please see the back of your Card for its issuing bank. The secured Chime Credit Builder Visa® Credit Card and Chime Cash Rewards Visa® Credit Card are issued by Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. Debit card and Credit card may be used everywhere Visa debit and credit cards are accepted.

Learn how we collect and use your information by visiting the Chime privacy notice here.

The Bancorp Bank, N.A. or Stride Bank, N.A. does not endorse or sponsor the associated products, services or offers from Chime or Upside

Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Please see the back of your Card for its issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

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