Getting the $100 Chime Sign-Up Bonus
The only way to get this $100 is by opening your account through someone else’s Chime referral link — Chime doesn’t hand it out to accounts opened directly. Once you’re in, here’s what has to happen, per Chime’s own referral terms:
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Open your account through a referral link. Use this link to sign up as a new Chime member.
Get a qualifying direct deposit of $200+. It needs to land within 45 calendar days of opening your account — payroll, government benefits, or another ACH deposit from an employer/payroll provider all count. Bank transfers, PayPal/Venmo transfers, and trial deposits don’t.
Applied automatically through our link — no code needed.
Activate your physical Chime card. This needs to happen within 14 calendar days of that qualifying deposit landing.
Get paid. Once all three steps clear, the $100 bonus lands in your account.
Chime Referral Bonus Fine Print
Both the referred bonus and the referrer’s bonus depend on Chime’s active offer at the time you sign up — $100/$200 qualifying deposit is the current standard terms as of this writing, but Chime does run different promotions from time to time, so the amount shown on the referral link you use is the one that applies to your account. Missing the 45-day deposit window or the 14-day card-activation window means the bonus won’t pay out, so it’s worth setting up direct deposit as soon as your account is open.
View the current offer ↗More Bank Sign-Up Bonuses
Want to compare against another fee-free digital bank? Our Current.com Promo Code guide covers a similar mobile banking bonus, and our SoFi Bank Sign-Up Bonus page has details on a larger, direct-deposit-based bonus if you’re open to a second account.
About the Chime App
Chime is a mobile banking app (technically a fintech partnered with a bank, not a bank itself) with no monthly fees, no minimum balance, no overdraft fees on debit purchases up to a set limit, and automatic savings tools built in. Everything runs from the app — you get a Chime Visa Debit Card mailed to you, and you can start using the account (direct deposit, mobile check deposit, spending) as soon as it’s set up.
Once you’re a member and your card is activated, you get your own referral link to share. Chime currently pays $100 per successful referral, capped at 10 referrals per calendar year, so if a few friends sign up through you, that adds up fast.
Frequently Asked Questions
Is there an actual Chime promo code to enter?
No text code — Chime’s referral program works entirely by link. Open your account through a referral link and the bonus eligibility is attached automatically.
What counts as a qualifying direct deposit?
Payroll from an employer, government benefits, or another ACH deposit from a payroll provider, totaling $200 or more, landing within 45 days of account opening. Peer-to-peer transfers (like Venmo or PayPal) and standard bank transfers don’t qualify.
How long does the $100 bonus take to arrive?
Once your qualifying deposit lands and your card is activated within the required windows, Chime typically credits the bonus within a few business days. If it doesn’t show up, Chime’s help center has a dedicated troubleshooting article for missing referral bonuses.
Can I get the bonus more than once?
The $100 sign-up bonus is a one-time thing for new members. As an existing member referring others, Chime caps paid referrals at 10 per calendar year.
No code to type.
The link is the deal at Chime App.
$100 Bonus — applied automatically through our Chime App link.
Claim the Chime App offer