Terms and Conditions

Thank you for helping us improve Chime by agreeing to participate in this promotion, which is described in greater detail below (the “Promotion”). As a participant in the Promotion, you may be eligible to receive a temporary SpotMe Bonus Limit increase if you meet the eligibility requirements listed below and otherwise qualify under these Terms and Conditions (“Terms”). You may have the opportunity to enroll in this Promotion more than once. If so, you will find instructions to re-enroll in the Chime App.

The personal information you share in connection with this Promotion will be used in accordance with the Chime U.S. Privacy Notice. The data collected may be stored indefinitely for solely internal purposes such as machine learning and product development.

The SpotMe Terms and Conditions shall continue to apply in full force to your use of SpotMe Bonus Limits obtained through this Promotion. In the event of a conflict between these Terms and Conditions and the SpotMe Terms and Conditions, these Terms and Conditions shall control.

No member’s SpotMe limit may exceed $200. Any earned SpotMe Bonus Limit increases from this Promotion in your bonus queue (“Bonus Queue”) not yet added to your SpotMe limit (due to the promotional limit cap) will be added to your SpotMe limit on a rolling basis as the previously added SpotMe increases expire. If you lose SpotMe eligibility or unenroll in SpotMe, you will receive the applicable temporary SpotMe Bonus limit increase only when you regain SpotMe eligibility and/or reenroll in SpotMe.

To be eligible for SpotMe, you must receive a single deposit of $200 or more in Qualifying Direct Deposits to your Chime Account each month and must activate your Chime Visa debit card. Chime reserves the right to cancel or modify the terms of this Promotion, at any time with or without prior notice.

Banking services are provided by The Bancorp Bank, N.A., or Stride Bank, N.A., Members FDIC.



  • You must have an active Chime Checking Account (“Chime Account”);
  • You must meet SpotMe eligibility requirements and be enrolled in SpotMe;
  • You must have received an offer to participate in this Promotion; and
  • You must not live in: California, Colorado, Connecticut, Utah, or Virginia.


Location Sharing Promotion

Your participation in this Promotion may involve allowing access to your GPS location through your phone’s location sharing settings. To participate in this aspect of the Promotion, you will need to (1) follow the prompts for the Promotion, (2) provide your work address, and (3) enable always on GPS location sharing through the Chime App and your phone’s settings. Once you have enabled location sharing, a SpotMe Bonus Limit increase of $10 will be added to your Chime Account and will be valid for 30 days. You may opt out of sharing your location by restricting location sharing with the Chime App through your phone settings. Keep in mind this may impact other functionality in the Chime App that relies on location sharing.


Work Email Promotion

Your participation in this Promotion involves providing and verifying your work email address. To participate, you will need to follow the prompts for the Promotion and submit your work email address through the Chime App. Once you do this, we will send an email to the email address you provided with a link to verify that you have received the email. You must verify the email address to participate in this Promotion. Chime may send emails to your account up to once per week during your enrollment in the Promotion requesting that you respond to verify that the email account remains active. After you verify your work email address, a SpotMe Bonus Limit increase of $10 will be added to your Chime Account and will be valid for 30 days as outlined in the SpotMe Terms and Conditions.

Please make sure that your use of your work email in this way does not violate your employers’ policies. Neither Chime nor its bank partners will be responsible to the extent your provision of your work email violates such policies.

This Agreement is effective 02/2023

Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are 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 and credit cards are accepted. Please see the 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.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

Third-party trademarks referenced for informational purposes only; no endorsements implied.

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