Invite Friends Terms and Conditions

In order for the referring Chime member (“Referrer”) to qualify and receive the $50 monetary referral reward and $10 temporary SpotMe limit increase referral reward, and for the referred person (“Referred”) to qualify and receive the $50.00 monetary referral reward, all of the following conditions must be satisfied: Referrer is part of the SpotMe Referral Incentive 1.0 referral reward campaign; Referred has not previously opened a Chime Checking Account; Referred opened a new Account between October 8, 2020, and November 22, 2020; Referred opened the new Account using the Referrer’s unique referral link; and Referred received in the new Account a Qualifying Direct Deposit. The qualifying direct deposit must be made by the referred individual’s employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Bank ACH transfers, Pay Friends transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, and cash loads or deposits are not qualifying direct deposits. Members may earn no more than $50.00 in SpotMe limit referral increase and may earn no more than $1,000.00 in monetary referral rewards per calendar year (January 1, 2020 – December 31, 2020). Any SpotMe limit increase referral reward may expire one year after it is added to Referrer’s SpotMe Limit. Referrer must be eligible for SpotMe to take advantage of the $10 temporary SpotMe limit increase referral reward. Referral rewards will generally be provided within two (2) business days after all the above conditions are met. 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. Chime reserves the right to cancel or modify the terms of any referral reward offer or terminate a member’s eligibility at any time with or without prior notice. Credits of $10 or more will be reported on tax form 1099-INT for new members (Referred). Credits of $600 or more will be reported on tax form 1099-MISC for referring Chime members (Referrers). Banking services are provided by Stride Bank, N.A., Member FDIC.