$350 Intro Offer DD-only Terms and Conditions

1. OFFER SUMMARY

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, activate the physical Chime Visa card, and receive Qualifying Direct Deposits (as defined below) of $200.00 or more to your Chime Checking Account.

The Offer will take place over a three (3) to four (4) calendar month period after account opening (the “Promotion Period”) depending upon when in the calendar month you open your Chime Checking Account (since the first period to receive Qualifying Direct Deposit(s) is 30 calendar days after account opening). See below for more information on timing of when you can receive Qualifying Direct Deposits(s) to receive the rewards.

***EACH DIRECT DEPOSIT MUST MEET THE DEFINITION OF QUALIFYING DIRECT DEPOSIT SET FORTH BELOW AND BE IN AN AMOUNT OF AT LEAST $200 TO BE COUNTED TOWARDS CUMULATIVE QUALIFYING DIRECT DEPOSIT AMOUNTS FOR THE TIERED REWARDS (AS DESCRIBED BELOW).***

The rewards for this Offer each month are as follows:

1. First Monthly Direct Deposit Reward(s) - You may get up to $100.00 for receiving Qualifying Direct Deposit(s) in the 30 calendar days following account opening. The first set of Recurring Direct Deposit Reward(s) are structured as follows:

   1. Tier 1 Reward: If you get Qualifying Direct Deposit(s) of at least $200.00 up to $999.99 into your Chime Checking Account, you will receive the Tier 1 Reward.

   2. Tier 2 Reward: If you receive Qualifying Direct Deposit(s) of at least $1,000.00 to $2,999.99 into your Chime Checking Account, you will receive the Tier 2 Reward.

   3. Tier 3 Reward: If you receive Qualifying Direct Deposit(s) of at least $3,000.00 into your Chime Checking Account, you will receive the Tier 3 Reward.

2. Second set of Recurring Direct Deposit Reward(s) - If you receive Qualifying Direct Deposit(s) to earn the first set of Recurring Direct Deposit Reward(s), you may then get up to an additional $100.00 for receiving Qualifying Direct Deposit(s) during:

   1. (i) the remainder of the calendar month following the first 30 calendar days after account opening, as applicable (for example - if you open a Chime Checking Account on November 15, you have 30 calendar days until December 15 to receive your first set of Qualifying Direct Deposit(s). Any Qualifying Direct Deposit(s) received from December 16 through the end of December (until December 31) will count towards receiving the second set of Recurring Direct Deposit Reward(s)) PLUS

   2. (ii) the next FULL calendar month following the 30 calendar day period after account opening (for example - if your initial 30 calendar day period ends December 15, any Qualifying Direct Deposit(s) received during January will count towards receiving your second set of Recurring Direct Deposit Reward(s)).

   The total amount of time you have to receive Qualifying Direct Deposits of $200.00 or more during this period may be more than a calendar month based upon when you opened your Chime Checking Account (as explained above). The second set of Recurring Direct Deposit Reward(s) are structured as follows:

   1. Tier 1 Reward: If you receive Qualifying Direct Deposit(s) of at least $200.00 up to $999.99 into your Chime Checking Account, you will receive the Tier 1 Reward.

   2. Tier 2 Reward: If you receive Qualifying Direct Deposit(s) of at least $1,000.00 to $2,999.99 into your Chime Checking Account, you will receive the Tier 2 Reward.

   3. Tier 3 Reward: If you receive Qualifying Direct Deposit(s) of at least $3,000.00 into your Chime Checking Account, you will receive the Tier 3 Reward.

3. Third set of Recurring Direct Deposit Reward - If you receive Qualifying Direct Deposit(s) to earn the second set of Recurring Direct Deposit Reward(s), you may get up to an additional $100.00 for receiving Qualifying Direct Deposit(s) in the next full calendar month following the period you receive Qualifying Direct Deposit(s) to earn your second set of Recurring Direct Deposit Reward(s). The third set of Recurring Direct Deposit Reward(s) are structured as follows

   1. Tier 1 Reward: If you receive Qualifying Direct Deposit(s) of at least $200.00 up to $999.99, you will receive the Tier 1 Reward.

   2. Tier 2 Reward: If you receive Qualifying Direct Deposit(s) of at least $1,000.00 to $2,999.99, you will receive the Tier 2 Reward.

   3. Tier 3 Reward: If you receive Qualifying Direct Deposit(s) of at least $3,000.00, you will receive the Tier 3 Reward.

4. Bonus Reward - If at some point during the Promotion Period you receive Qualifying Direct Deposit(s) that equal at least $9,000.00 cumulatively into your Chime Checking Account, you will receive the Bonus Reward. You can only receive the Bonus Reward once.

2. ELIGIBILITY AND EARNING REWARDS

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

• Invitation to participate: Receive an advertisement to be eligible for the Offer (an “Invitation”). You may not participate if you did not receive an Invitation directly from Chime.

• Open a new Chime Checking Account: Open a new Chime Checking Account as a first-time Chime account holder through this webpage.

• First set of Recurring Direct Deposit Reward(s): Receive Qualifying Direct Deposit(s) of $200.00 or more that meet the requirements in these Offer Terms in your Chime Checking Account within 30 calendar days of opening a Chime Checking Account to be eligible for the first set of Recurring Direct Deposit Reward(s).

• 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 set of Recurring Direct Deposit Reward(s): Receive Qualifying Direct Deposit(s) of $200.00 or more in your Chime Checking Account in: (i) the remainder of the calendar month following the first 30 calendar days after account opening, as applicable; and (ii) the next FULL calendar month following the 30 calendar day period after account opening to be eligible to receive the second set of Recurring Direct Deposit Reward(s).

• Third set of Recurring Direct Deposit Reward(s): Receive Qualifying Direct Deposit(s) of $200.00 or more in your Chime Checking Account in the next full calendar month following the period you receive Qualifying Direct Deposit(s) to earn your second set of Recurring Direct Deposit Reward(s).

• Bonus Reward: Receive Qualifying Direct Deposit(s) of over $9,000.00 cumulatively at some point within the Promotion Period to receive the Bonus Reward.

A Qualifying Direct Deposit is a deposit by Automated Clearing House (“ACH”) from your employer, payroll provider, gig economy payer, or benefits payer OR a deposit by Original Credit Transaction (“OCT”) by your gig economy payer. 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.

***Please confirm with your applicable payer prior to account sign up that you’re able to receive your Qualifying Direct Deposit from the payer within 30 calendar days of account opening.***

Each reward will be awarded separately. If you participate and complete the eligibility requirements for all component parts, you are able to receive up to the maximum total reward of $350.00 under the Offer. To receive all 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 to participate.

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.

3. WHEN YOU WILL RECEIVE REWARDS

Each reward will be transferred to your Chime Checking Account within seven (7) business days after the end of the first, second, and third sets of Recurring Direct Deposit Reward(s) periods, respectively, as described in these Offer Terms above.

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

4. EXPIRATION AND FORFEITURE

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 prior to deposit of the earned reward.

5. OTHER CONDITIONS

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.

6. OFFER MODIFICATIONS

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, the Promotion Period, or 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 a bank. Banking services for the Chime Checking Account are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

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. For Chime Card holders - For more account opening disclosures for your Chime Checking Account, please see The Bancorp Bank, N.A. Deposit Account Agreement or the Stride, N.A. Deposit Account Agreement, based upon your issuing bank.