New Member Promotion Offer Terms

You can earn up to $350.00 in total maximum rewards under this Offer when you open a Chime Checking Account as a first-time Chime account holder from the applicable promotional account opening webpage and receive Qualifying Direct Deposits (as defined below) of $200.00 or more to your Chime Checking Account. The rewards for this Offer are as follows: 1) a $100.00 reward for receiving your first Qualifying Direct Deposit in the 30 calendar days following account opening (the “First Direct Deposit Reward”); 2) a $100.00 reward for receiving a second Qualifying Direct Deposit in the next calendar month following the month of your first Qualifying Direct Deposit (the “Second Direct Deposit Reward”); and 3) a $150.00 reward for receiving a third Qualifying Direct Deposit in the next calendar month following the month you receive your second Qualifying Direct Deposit (the “Third Direct Deposit Reward”).

You must meet the eligibility requirements in order to receive the respective component rewards under this Offer.

• Invitation to participate: Receive an invitation from Chime to participate in the Offer via your Chime app, SMS text message, push notification, email, or advertisement to be eligible for the Offer. You may not participate if you did not receive the invitation directly from Chime.
• Open a new Chime Checking Account: Open a new Chime Checking Account as a first-time Chime account holder.
• First Direct Deposit Reward: Receive an initial Qualifying Direct Deposit of $200.00 or more in your Chime Checking Account within 30 calendar days of opening a Chime Checking Account to be eligible for a $100.00 bonus.
• Physical card activation: Activate one of your physical Chime Visa cards within 14 days of receiving your initial Qualifying Direct Deposit of $200.00 or more.
• Second Direct Deposit Reward: Receive a second Qualifying Direct Deposit of $200.00 or more in your Chime Checking Account in the next calendar month following the month of your first direct deposit to be eligible to receive a $100.00 bonus.
• Third Direct Deposit Reward: Receive a third Qualifying Direct Deposit of $200.00 or more in your Chime Checking Account during the next calendar month following the month of your second direct deposit to be eligible to receive a $150.00 bonus.

A Qualifying Direct Deposit is a direct deposit from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (“ACH”) deposit OR Original Credit Transaction (“OCT”). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a Qualifying Direct Deposit, are not Qualifying Direct Deposits.

Each reward will be awarded separately. If you participate and complete the eligibility requirements for all three component parts, you are able to receive up to the maximum total reward of $350.00 under the Offer. To receive all three rewards, you must complete the qualifying activities, as described in these Offer Terms. For avoidance of doubt, you are not eligible for this Offer if you did not receive an advertisement in your Chime app or in any other invitation method described above.

You may earn the rewards described in these Offer Terms as long as your Chime Checking Account is open and in good standing. You will not be able to earn the cash rewards under this Offer if your Chime Checking Account is closed or suspended for any reason.

This Offer is void where prohibited by federal, state, or local law.

Each reward will be transferred to your Chime Checking Account within seven (7) business days after you receive the applicable Qualifying Direct Deposit of $200.00 or more to that account in accordance with these Offer Terms.

Credits of $10 or more will be reported on tax form 1099-INT.

Earned rewards do not expire. Any earned rewards for this Offer that have not been transferred to your Chime Checking Account will be forfeited if your Chime Checking Account is closed for any reason.

Chime reserves the right to take action if it sees evidence of fraud, abuse, misuse, or suspicious activity, as determined by Chime in its sole discretion. Such action may include but not be limited to:

• • • Disqualifying you from this Offer
    • Suspending or closing your Chime Checking Account

You acknowledge that this Offer is a promotional offer as to which no consideration has been paid to you and that rewards earned, but not yet paid, have no cash value. Unless and until the rewards are transferred to your Chime Checking Account, no tangible or intangible right, title, or interest in the rewards has been earned. Nothing herein requires Chime to transfer any rewards to your Chime Checking Account if this Offer has been canceled, terminated or suspended.

You may only participate in one Chime account opening bonus promotion when you open your Chime Checking Account. This Offer cannot be combined with any other Chime account opening bonuses.

Chime reserves the right to change these Offer Terms at any time in its sole discretion without prior notice to you. Changes to these Offer Terms may include, among other things, amending eligibility requirements, imposing additional restrictions, modifying the Offer expiration date, or terminating the Offer. No new Chime Checking Account enrollments are eligible for this Offer after the expiration of the Offer.

Chime is a financial technology company, not an FDIC-insured bank. Banking services for the Chime Checking Account are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Deposit insurance covers the failure of an insured bank.

For further deposit account opening disclosures, please see this Deposit Account Agreement for The Bancorp Bank, N.A. members and this Deposit Account Agreement for Stride Bank, N.A. members.