Posted by Chuck on June 12, 2018
Checking Accounts

Published on June 12th, 2018 | by Chuck


Chime Referral Bonus – Both Members Earn $50

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.
  • Eligible referring Chime members can earn no more than $500.00 in referral rewards per calendar year (January 1, 2018 – December 31, 2018).
  • 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:


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Used your referral. Bonus should post by around 17th according to T&C

Did you get your $25? I haven’t received anything yet.

Shivansh Chandnani
Shivansh Chandnani

Sorry. Looks like my Employer DD didn’t go through as I was too late to change the details. Should post around 31st.

I used your code. DD should be in by 3/31 at the latest.

Does anyone know if this card is useful anymore for MS?


used your link

Do we have any DPs about how strict “payroll DD” is? I know the previous promo they had was regular DD. Ill be glad to be the first DP otherwise

I would just keep doing ACH pushes from different accounts until you find one that triggers the bonus. PayPal might work, or serve if you have one, capital one 360 seems to work a decent amount of time as well.

used your link. Should be able to do my 9/15 DD

I used your link as well. My card come in a week and I’ll post a DD soon. Thanks


Chime used to pretty awesome and useful back when buxx was around. They used let you link several debit cards and then it became 1, I think it is none now though, maybe someone can confirm.

Anyways it’s still useful if they bring back any decent offers.

your ref link says something different:

Get $10 when you join Joshua on Chime!
Make the switch to the bank account that pays you up to two days early and we’ll give you $10 when you make an opening deposit of $100 or more!

I’ll use it though. Changing up my direct deposit is too much of a hassle for only 25 bucks

Somebody let me know if capital one 360 or serve works for this please

Capt 1 360 nor Chase worked for me. (Cap1 recognized it as a prepaid debit so it wouldnt transfer, had to pull).Was worth the try

The bonus is only $10 for your link for some reason.

Shivansh Chandnani
Shivansh Chandnani

The offer isnt showing up anymore. Also, did the bonus post for anyone? It should have posted within 2 business days according to T&C but nothing so far.

Nothing yet. What did you use for the DD?

Shivansh Chandnani
Shivansh Chandnani

Employer DD. I even SM’ed them list night. No response yet.

Shivansh Chandnani
Shivansh Chandnani

Called them up yesterday. Got the bonus today.

[link removed]


Thank you Lorne for using my link. If anyone is interested, my link is still active and I would appreciate it greatly. I’m a retired vet on fixed income. Thank you.

Just FYI, the payroll Direct Deposit requirement is $200 or more by Sept 30, 2017. Article above is missing that amount.

DP: $200 ACH from schwab checking (not brokerage, didn’t try that) triggered the bonus instantly. It was actually so quick that my Schwab transaction was still pending!

Can you please tell me what amount you transferred from Schwab checking to trigger the bonus? I plan to do the same. Thanks so much!

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