Invite Friends Terms and Conditions

In order for the referring Chime member (“Referrer”) to qualify and receive the $75.00 monetary referral reward and $10.00 temporary SpotMe Limit increase referral reward, and for the referred person (“Referred”) to qualify and receive the $75.00 monetary referral reward, all of the following conditions must be satisfied: (1) Referrer is part of the SpotMe Referral Incentive referral reward campaign; (2) Referred has not previously opened a Chime Checking Account (“Account”); (3) Referred opened a new Account between March 24, 2021 and December 31, 2021; (4) Referred opened the new Account using the Referrer’s unique referral link; and (5) Referred received in the new Account a qualifying direct deposit of $200.00 or more within 45 calendar days of opening. 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, 2021 – December 31, 2021 and January 1, 2022 – December 31, 2022). No member’s SpotMe limit may exceed $200. For Referrers Only: For a limited time, Referrers will earn an additional $25.00 referral reward when the Referrer receives an invite to participate in the Limited Time Referral Campaign; the Referred enrolls in Chime within ten (10) days of the Referrer receiving the invite; and the Referred satisfies the conditions stated above. Please note, if the Referred enrolls in Chime after the Referrer’s ten (10) days expire and satisfies the above conditions, both the Referrer and the Referred will still remain eligible to each earn the $75.00 referral reward. SpotMe eligible Referrers will earn the $10 SpotMe limit increase. Any Referrer SpotMe Limit increase referral reward will expire 184 calendar days from the Referred receiving a qualifying direct deposit. If an eligible Referrer loses Base Limit eligibility, and the Referred completes the above conditions, the Referrer will receive the $10 temporary SpotMe limit increase referral reward only upon regaining Base Limit eligibility. 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 The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.