Chime Referral Bonus – $50 For Referrer, $50 For Referee

Update 8/21/19: back to $50/$50

Update 8/12/19: Person being referred still gets $50, person referring now gets $75.

 

Update 6/12/18: $50 referral bonus is back/extended. Doesn’t show any expiration. (Thanks to reader Gadget.)

Update 05/16/18: Referral bonus has now been increased to $50.

Update 01/07/18: Referral bonus has now been increased to $35. Hat tip to reader Sid H

The Offer

Some Chime Card members are seeing the following referral offer:

  • Refer a friend to Chime and each of you will get $50 when the new member sets up direct deposit of at least $200

You can find your referral link at the bottom-left of your Chime account, and you’ll see if it has the $50 offer.

 

 

The Fine Print

  • Offer expires August 31 September 31, 2017. January 31st, 2018 May 31st, 2018 no expiration shown anymore
  • The payroll direct deposit of the referred friend must be made by their employer or payroll provider by an ACH deposit. Bank ACH transfer, Pay Friends transfers, verification or trial deposits from financial institutions, transfers from PayPal or Venmo, and cash loads do not qualify as a payroll direct deposit.
  • The referral reward is paid to both parties within two business days after qualifying funds are first deposited into the referred friend’s Spending Account.
  • Each eligible referring Chime member may earn no more than $1,000.00 in referral rewards per calendar year (January 1, 2019 – December 31, 2019).
  • Referred friend acknowledges that payment of the referral reward may result in the referring Chime member’s knowledge of you establishing an account with us.

Our Verdict

We used to post about the Chime card when it had useful offers. They still have a few offers, but nothing too useful.

The referral bonus is excellent; $50 customer acquisition cost is a lot for a prepaid card. You’ll need to transfer your direct deposit over to the card. Not sure it’s worth the hassle, but putting it out here nonetheless.

Hat tip to Maximizingmoney

Refer in the Comments

Feel free to leave your referral link in the comments if you have the $25 offer. Be aware that your full name shows in the referral. 

Please follow these instructions:

  • First, retweet this tweet
  • Leave a comment with your referral link and your Twitter handle so we can see that it was retweeted. Don’t write anything else in the comment.

The comment should look like this:

http://www.chimecard.com/join/johndoe

@johndoe

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William Charles
William Charles

Note that reader Gadget requested this be stickied as part of the best comments of the month. For some reason I couldn’t sticky his comment so just made this one instead.

Gadget
Gadget

Thank you…

Jeremy
Jeremy

Just used your link.

Gadget
Gadget

Thank you!

Tony
Tony

Hey Gadget . I used your link and just got my referral bonus today. You should see your bonus soon!

Gadget
Gadget

Tony Thank you. Got the e-mail at 9:24AM EDT this morning, so Chime is still trucking along.

Jay Tulad
Jay Tulad

Used your link today..thx

william
william

hey I’m trying to find your referral link

william
william

opps NM, just saw the very top of the OP post 🙂

Gadget 🕵️

Thanks, but find someone else. Or wait until 2020. 🙂

Wayne
Wayne

Just used yours.

Gadget - Bank Bonus Geek 🕵️

Thank you.

Rachel
Rachel

could I use your link? Have you refer 10 people?

Gadget - Bank Bonus Geek

Just for continuity, answering this. Rachel e-mailed me back in March. And, the limit is 19 referrals which I did not exceed yet. Thanks again Rachel!

Rachel
Rachel

Could I use your refer link now?

Raevin Bailey
Raevin Bailey

whenever I try to comment it gives me an error but last time 3rd time was a charm I only got $50 bonus today not $75 im still thankful dont get me wrong just letting everyone know. Also can I get more than one bonus a day? Just lost my job, anything will help, also accepting job referrals lol!

[removed]

Gadget
Gadget

Data Points exist for the following ACH transfers counting as DD:

Ally
Chase
Circle Pay App
Discover
Hancock Whitney
Huntington
PNC
Schwab
Serve
TD Bank

Mixed/Not working:
Square Cash App

JR
JR

PNC did not work for me. Just shows as “Transfer from PNC”. I did however pull it from Chime. Should I try pushing it from PNC?

Gadget
Gadget

Always push from external bank login when trying to simulate a DD.

Sammy
Sammy

Might be late, but I just used your link!

Daedalus
Daedalus

Thank you!

YoniPDX

Push from BofA biz Checking acct worked (Cost $1)

Josh
Josh

I can verify Charles Schwab counts as direct deposit as of Dec 2019

Betelgeuse ㊙️

Cit and alliant also worked.

Leosc
Leosc

I used your link. Thanks William Charles

LISA EVERLY
LISA EVERLY

must be part of the $50.00 for Payroll Direct Deposit referral reward campaign in order for both parties to be eligible for the $50.00 referral reward. The referral reward is paid to both parties within two business days after qualifying funds are first deposited into the referred friend’s Spending Account. Eligible referring Chime members can earn no more than $1000.00 in referral rewards per calendar year (January 1, 2019 – December 31, 2019). Referred friend acknowledges that payment of the referral reward may result in the referring Chime member’s knowledge of you establishing an account with us. Chime reserves the right to cancel or modify the referral reward terms, or terminate the member’s eligibility, at any time with or without prior notice. This offer is neither sponsored nor endorsed by The Bancorp Bank.

Gadget
Gadget

LISA EVERLY Yes, the terms state this. However, in reality, the bonus is much easier to trigger than Payroll Direct Deposit. Many people have issue with changing their payroll direct deposit, but almost anyone can ACH funds from their bank account/P2P app/brokerage. The Chime $50 bonus pays out the same day as the DD, so you can determine if you are successful very quickly.

Also in terms, the name of the referred person is no long sent to the referrer when signing up, or when successful in obtaining the bonus. I imagine eventually they will issue links that mask the referrer too.

Gadget 🕵️

FYI all – This is old info – Chime made changes to the bonus payout timeframe. The bonus takes about two business days to post after being triggered. Still really quick.

Gadget - Bank Bonus Geek 🕵️
Ieatdogfood
Ieatdogfood

I used your link last week and pushed from Discover savings this week but haven’t seen the bonus post yet (next day). I’m going to wait another couple of days before pushing from somewhere else.

Gadget - Bank Bonus Geek 🕵️

Thank you. As far as I know Discover still works. Good luck.

ieatdogfood
ieatdogfood

Bonus posted 2 days later, it was not instant like other DPs.

Andrew Rosales
Andrew Rosales

Did it work?

ieatdogfood
ieatdogfood

Are you responding to me? I already posted it was paid within two days. The terms also state within two business days so if anyone hasn’t gotten theirs within that timeframe, you need to find another DD source.

Michael
Michael
Jas
Jas

DP and referral link:
8/04; Opened account
8/04: trial deposits from Chase
8/04: $201 push from Chase to Chime
8/05: $201 transfer settled, $50 bonus posted immediately

If you want, please use my link when signing up for Chime. We both get $50 when you deposit $200+. Thanks!

https://member.chime.com/join/jasonwong10

John McClane
John McClane

New DP (data point) for Discover
7/21 Account Opened w/ referral link posted by someone here
7/24 Discover ACH Pushed $205
7/27 Discover Prearrange Posted
7/27 $50 Bonus Added to my account
https://chime.com/r/ronokpisz

Thanks very much in advance for anyone that uses my referral link for their bonus!

Clara
Clara

We’ll both get $50 if you use my link: https://www.chime.com/r/yujiezhu/
Thank you 🙂

ieatdogfood
ieatdogfood

Anyone not use Chime in over 4 months, log in via app, see a YELLOW TRIANGLE CAUTION SIGN with an EXCLAMATION MARK (!) in the middle next to your balances. and a yellow banner below that says “Last Updated” and some earlier calendar day that is not today? That caution sign also appears next to my savings account balance.

I’m concerned my account may be suspended or something for inactivity.

ieatdogfood
ieatdogfood

Odd… everything seems normal one hour later. ¯\_(ツ)_/¯

KP
KP
Derek T Leaman
Derek T Leaman

We’ll both get $50 when you open a Chime bank account and set up direct deposit! [removed]

Jacob
Jacob

We’ll both get $50 when you open a Chime bank account and set up direct deposit!
https://chime.com/r/feiwang2
@JacobFei

Sharmila
Sharmila

I need some money use my referral link [removed]

Sharmila
Sharmila

I need some money use my referral link [removed]