Chime Spending Account $50 Bonus

Chime Bank : Spending Account

Bonus Amount
Account Type
Personal Checking
Available In Your Area?
Offer Expires In
Bonus Requirements
  1. Open a new account using a referral link from an existing customer.
  2. Within 45 days, receive a direct deposit of at least $200.
Other Details
Hard Credit Pull?
Monthly Fees?
Open Online?
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Chime is offering a $50/$50 bonus (you get $50 and your friend gets $50) when you sign up for a new spending account using an existing customer's referral link.

Currently, Chime is running a MyPoints deal that nets you 3x as much for a smaller deposit requirement. We recommend you check that out if you're eligible.

How To Earn The Bonus

The Chime Spending Account promotion requires you to set up direct deposits and use a referral link in order to earn the $50 bonus. Full requirements to receive this bonus are:

  1. Open a new account using a referral link from an existing customer.
  2. Within 45 days, receive a direct deposit of at least $200.

The fine print

  • Not available to customers who have previously opened a Chime Spending account.
  • The qualifying direct deposit must be made by the referred individual’s employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Bank ACH transfers, Pay Friends transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, and cash loads or deposits are not qualifying direct deposits.
  • The bonus will be paid to both parties within two business days after qualifying funds are deposited.

Why Chime Bank?

Chime is a player in the FinTech space, with an intuitive mobile app, no maintenance, hidden or foreign transaction fees, and built-in features to help you save like their "save when you spend" and "save when you get paid" automatic transfers.

Their mobile app is what you'd expect from a tech company, and makes it easy to skip the local branch: easy to use (nearly 500k users rate it 4.8-star), mobile check deposits, toggles for locking your debit card or international transactions, spending alerts, fee-free mobile payments, bill pay, and more.

Spending Account

The Chime Spending Account is is a no-fee, basic online checking account that comes with a Visa debit card.

You’ll have mobile banking, direct deposit, mobile check deposit, and hassle-free transfers between checking and savings.

Chime also makes it easy if you happen to lose your debit card, with an option to disable transactions in the app, rather than waiting on hold for someone to help you.


Spending Account does not charge a monthly fee.