DealOpen an Account with Chime & Earn a Bonus
New customers earn a welcome bonus when they open an account with Chime. Start saving smarter today.
Chime Promo Code
DealDealSign Up for Chime® & Earn a Bonus
New members can earn a signup bonus or unlock exclusive rates at Chime®. Takes just minutes to get started.
DealSign Up for Chime® & Earn a Bonus
New members can earn a signup bonus or unlock exclusive rates at Chime®. Takes just minutes to get started.
DealEnjoy Fee-Free Overdraft W/ SpotMe® Account
With SpotMe®, Chime® members can access fee-free overdraft up to $200.
DealFee-free Overdraft: Up To $200*
Enjoy fee-free overdraft, up to $200*, with Chime ® SpotMe®. Get the help you need, when you need it most.
DealGet Paid Up To 2 Days Early*
Get the help you need at Chime ®. Enjoy the convenience of getting paid up to 2 days early with a qualifying direct deposit, when you sign up for an account.
DealEnjoy Fee-Free Overdraft W/ SpotMe® Account
With SpotMe®, Chime® members can access fee-free overdraft up to $200.
DealNo-Fee Accounts & Perks at Chime
Open an account with Chime and benefit from no monthly fees, competitive rates, and trusted financial tools.
Expired Chime coupons
Chime FAQs
Does Chime have a promo code for new members?
Chime's savings are built into its membership tiers rather than traditional promo codes. New members who sign up through an existing member's referral link and receive a qualifying direct deposit of $200+ within 45 days can earn up to $100 — no code entry required.
Is it free to open a Chime checking account?
Yes. Opening a Chime checking account is completely free. There are no sign-up fees, no monthly service fees, no minimum balance fees, no overdraft fees, and no card replacement fees. No credit check is required to apply.
What is a qualifying direct deposit at Chime?
A qualifying direct deposit is a payment received by ACH from an employer, payroll provider, gig economy payer, or benefits payer. The following do not count as qualifying direct deposits:Bank ACH transfersPay Anyone transfersPeer-to-peer transfers (PayPal, Venmo, Cash App)Mobile check depositsCash depositsOne-time deposits such as tax refunds
How do I get Chime Plus?
Chime Plus kicks in on its own when you receive a single qualifying direct deposit of $200 or more, or $400+ cumulative, within the preceding 34 days. No manual upgrade or subscription is needed — your account adjusts as soon as the deposit is processed.
How do I get Chime Prime?
Chime Prime activates on its own when you receive $3,000 or more in qualifying direct deposits within the preceding 34 days. There's no subscription fee, no application, and no manual upgrade — your tier updates as soon as you hit the threshold.
How does cash back work with the Chime Card?
Chime Plus members earn 2% cash back and Chime Prime members earn 5% cash back on eligible Chime Card purchases in one chosen spend category per month. You select your category in the Chime mobile app. Rewards are capped at $1,500 in eligible purchases per month and never expire.
What spend categories are available for Chime Card cash back?
You can choose one of six categories each month:Grocery StoresGasRestaurantsMonthly BillsTaxi & RidesharingTravelYou can switch your selected category on the first day of each calendar month inside the Chime mobile app.
Is MyPay free to use?
The standard MyPay transfer — delivered within 24 hours — is free. The instant transfer option costs 3% of the advance amount, with a minimum fee of $2 and a maximum of $5. Choosing the standard option avoids all fees entirely.
Are Chime deposits FDIC insured?
Yes. Chime deposits are FDIC-insured up to $250,000 through banking partners The Bancorp Bank, N.A. or Stride Bank, N.A., both Members FDIC. Chime itself is a financial technology company, not a bank.
Can I lose my Chime Plus or Chime Prime status?
Yes. If your qualifying direct deposits drop below the required threshold, your tier reverts after a grace period. You can re-qualify anytime by meeting the deposit requirements again — Chime Plus at $200+ single or $400+ cumulative, Chime Prime at $3,000+ per month.
Open an Account with Chime & Earn a Bonus
New customers earn a welcome bonus when they open an account with Chime. Start saving smarter today.
Send Chime Discount codes to your inbox
By clicking Confirm, I agree to the Terms of Use and have read the Privacy Statement.
Fee-Free Banking With Up to 5% Cash Back
Chime is a financial technology company that makes fee-free banking genuinely rewarding. There are no monthly fees, no overdraft fees, and no minimum balance requirements — ever. Open a free checking account in minutes with no credit check required. Direct deposit your paycheck and you automatically qualify for Chime Plus or Chime Prime, unlocking up to 5% cash back on everyday spending, a savings APY up to 3.75%, and early payday access up to two days ahead of schedule.
Related Articles
Groupon may earn a commission when you buy through links on our site.