Terms and Conditions: In order for the referring Chime member (“Referrer”) to receive the Chime Limited Edition Swag Box (“Swag Box”), the $100.00 referral reward, and the $10.00 temporary SpotMe Bonus Limit increase, the following conditions must be met: (1) the Referrer must have an active Chime Checking Account (“Checking Account”); (2) the Referrer must meet SpotMe eligibility requirements; (3) the Referrer must send their referral link to non-Chime members (“Referred”); (4) Referred must not have previously opened a Checking Account ; (5) At least two (2) Referreds must have opened a new Checking Account between January 1, 2022 and December 31, 2022; and (6) Referred must receive a Qualifying Direct Deposit of $200 or more into their Checking Account within 45 days of enrolling in Chime. A Qualifying Direct Deposit is a deposit by Automated Clearing House (“ACH”) that comes 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 (f/k/a 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, one-time direct deposits, such as tax refunds and other similar transactions are not Qualifying Direct Deposits. Members will not be enrolled in SpotMe automatically. Members must qualify for SpotMe and enroll manually through the Chime App in order to receive the temporary SpotMe Bonus Limit increase referral reward. Members may earn no more than $50.00 in SpotMe Bonus Limit referral increases (promotional limit cap) and may earn no more than $1,000.00 in monetary referral rewards per calendar year (January 1, 2022 – December 31, 2022 and January 1, 2023 – December 31, 2023). No member’s SpotMe limit may exceed $200. Any earned SpotMe increases from this referral reward 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 other referral rewards expire. Any Referrer SpotMe Bonus limit increase referral reward will expire 184 calendar days from the Referred receiving a Qualifying Direct Deposit. If an eligible Referrer loses Bonus Limit eligibility, and the Referred completes the above conditions, the Referrer will receive the $10 temporary SpotMe limit increase referral reward only upon regaining Bonus Limit eligibility. The $100.00 referral reward and the $10.00 temporary SpotMe Bonus Limit increase will be deposited into your Chime Checking Account generally within two (2) business days after all the above conditions are met. The Swag Box reward will be sent via the U.S. Postal Service within approximately sixty (60) calendar days after fulfillment of the above conditions. The Referrer’s 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 Checking Account or enrollment in a product. 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 The Bancorp Bank, N.A., or Stride Bank, N.A., Members FDIC.

Banking services 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 pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card and the Chime Visa® Cash Rewards Card are issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see 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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