Never let a referral bonus go to waste.
Everyone deserves a fair shot at the $100 bonus. We automatically take turns sharing community members' links so everyone gets paid.
How The 3-Step Loop Works
Start as a referee to claim your welcome bonus, then return as a referrer so future members support you.
Claim Today's Bonus
Click today's rotated community link below to open your account. You must be a first-time Chime member who has never held a Chime account before for the $100 bonus to activate.
Set Up Direct Deposit
Receive a qualifying direct deposit of $200+ within 45 days to automatically trigger the $100 cash deposit into your Chime account.
Join The Community Queue
Once your Chime account is approved, click "Add Your Link" above so the next incoming visitor supports you!
Community Referral Link
New to Chime? Claim your $100 bonus below:
SpotMe® Boost Exchange
Free $5 OverdraftSwap 4 monthly boosts 1-on-1 •
Protocol: Member with higher trust sends first.
Copy tag, open Chime, and send $5 SpotMe. Once sent, tap "Sent ✓" so they return it!
1. Open Link
Signed up via community link
2. Link Payroll
Connected direct deposit in app
3. $200+ Deposit
Arrived within 45 days
4. Activate Card
Green Visa card active
Both Parties Received Their $100 Bonus!
Your direct deposit cleared & the member who shared their link also got rewarded.
How PipPip Protects Your Turn in Line
An honest, automated digital referee balancing every link so nobody gets skipped or forgotten.
Zero Line-Cutting
A member with fewer clicks is always served ahead of someone who already received one. Money or upgrades can never skip ahead of someone waiting on zero clicks.
Patience & Freshness Priority
The longer your link sits in queue, the higher it climbs automatically. Brand-new members also enjoy a 48-hour initial boost so everyone gets early momentum.
Equal Finish Line ($1,000 Cap)
The second any link logs max 10 clicks (reaching Chime's $1,000 annual max), it automatically retires. Nobody hoards clicks so the next person in line steps into the spotlight.
How to Guarantee Your $100 Chime Bonus 🛡️
Follow these 4 exact rules so Chime automatically deposits your $100 reward.
Sign Up via Community Link
Click the rotated link on this page to open your account. You must be a first-time Chime member who has never held a Chime account before.
Deposit $200+ within 45 Days
Receive a qualifying direct deposit of $200+ within 45 calendar days of opening your account.
Activate Physical Debit Card
When your green Visa® card arrives in the mail, open Chime and activate it within 14 days of receiving your direct deposit.
Receive Automatic $100 Cash
Once Chime verifies the completion *can take up to 7 days* Chime automatically transfers $100 straight into your account and rewards the community member who shared the link!
Direct deposits from your employer payroll, gig apps (Uber, DoorDash, Lyft), or government benefits (tax refunds, SSI/SSA).
Transfers from Cash App, PayPal, Venmo, Zelle, standard bank-to-bank transfers, or cash deposits at retail stores.