1 Terms and Conditions: In order for the referring Chime member (“Referrer”) to qualify and receive the $100.00 monetary referral reward and $10.00 temporary SpotMe Bonus Limit increase, and for the referred person (“Referred”) to qualify and receive the $100.00 referral reward, all of the following conditions must be satisfied: (1) Referrer meets SpotMe eligibility requirements and is part of the SpotMe Referral Incentive campaign; (2) Referred has not previously opened a Chime Checking Account (“Account”); (3) Referred opens a new Account between January 1, 2025 and December 31, 2025; (4) Referred opens the new Account using the Referrer’s unique referral link; (5) Referred receives in the new Account a Qualifying Direct Deposit within 45 calendar days of opening the Account; and (6) Referred activates their physical Chime Visa Debit Card within 14 days of receiving a Qualifying Direct Deposit. A Qualifying Direct Deposit is a deposit of $200.00 or more 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, 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 legitimate are not Qualifying Direct Deposits. Members will not be enrolled in SpotMe automatically. Referrer Members must qualify for SpotMe and enroll manually through the Chime App in order to receive the temporary SpotMe Bonus Limit increase. Members may earn no more than $50.00 in SpotMe Bonus Limit referral increases and may earn no more than $1,000.00 in monetary referral rewards per calendar year (January 1, 2025 – December 31, 2025). No member’s SpotMe limit may exceed $200. Any Referrer SpotMe Bonus Limit increase referral reward will expire 184 calendar days from the Referred receiving a Qualifying Direct Deposit. Any earned SpotMe Bonus Limit increases from this referral promotion 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 this referral reward expire. Once the temporary SpotMe Bonus Limit ends, Members may no longer earn SpotMe increases on this referral promotion, however the earned SpotMe bonuses in the Member’s Bonus Queue will not be lost. If an eligible Referrer loses SpotMe eligibility, and the Referred completes the above conditions, the Referrer will receive the $10 temporary SpotMe Bonus Limit increase referral reward only upon regaining SpotMe eligibility. Referral rewards will generally be provided within two (2) business days after all the above conditions are met. The Referrer’s account must be in good standing in order to receive the referral reward. You may not register a domain name using “Chime“ for sharing your referral link (e.g. Chimereferral.com). If you send your referral link to a Referred, you represent that you have the necessary consent from the Referred to send them any text or email relating to this offer. By participating in this promotion, you confirm that you will not send your referral link via text message to a resident of the State of Washington. 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 or enrollment in a product. Chime reserves the right to cancel or modify the terms of any referral promotion 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). If a Chime member receives certain monetary rewards that total $600 or more in one year, this will be reported on tax form 1099-MISC as required for the Chime member. Banking services are provided by The Bancorp Bank, N.A., or Stride Bank, N.A., Members FDIC.
