$200 Off
Chime Promo Codes — $200 Off
28 active offers · 15 with codes · updated Oct 22, 2026
Active Chime coupons
$300 Limited-Time Referral Bonus
$100 Free With Chime Signup
Free $10 When You Activate Your Debit Card
Get $210 Bonus with Signup for Instant Cash
Claim $100 Bonus with Your First Direct Deposit Now
$100 Bonus: Claim With 1st Direct Deposit Now
$100 Bonus And Faster Paychecks With Direct Deposit
$100 When You Sign Up Today
Earn $100 Bonus After $200+ Direct Deposit When You Join Chime
Free $10 When You Activate Your Debit Card
Get $100 When You Sign Up with Chime!
Free $10 When Activate Your Chime Debit Card
$50 When You Open A Chime Account And Set Up Direct Deposit
Get $100 Now when You Sign Up
Unlock $200 Overdraft Fee-Free Now with Spotme®
Boost Your Connectivity with HYS Link Today
Unlock the Power of Chime HYS Now
Activate Your Chime MyPay Today
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Boost Your Credit Effortlessly with Chime—Zero Fees!
Build Your Credit Easily with Chime's No-Fee Card
Get Your Paycheck 2 Days Early with Direct Deposit
Open Your Free Chime® Account Now and Control Your Money 24/7
Enjoy Zero Overdraft Fees and Service Charges
Sign Up for Chime® & Earn a Bonus
Get Paid Up To 2 Days Early*
No-Fee Accounts & Perks at Chime
About Chime
Chime eliminates the usual banking costs — no monthly charges, no overdraft penalties, no balance minimums. Sign up for a checking account in minutes without a credit check. When you set up direct deposit, you unlock Chime Plus or Chime Prime, earning up to 5% cash back on purchases, a savings rate up to 3.75%, and payday access two days early.
Early Payday Access at No Cost
Direct deposit holders get their paycheck up to two days early. SpotMe covers up to $200 in overdraft on debit purchases and ATM withdrawals — no fees or interest charged. To qualify, receive a direct deposit of $200 or more and activate your physical card. Tipping SpotMe is optional and won't change your limit.
Maximize Your Rewards
- Deposit $200+ monthly to activate Chime Plus and earn 2% back on a spend category of your choice — up to $30 monthly value, no subscription needed. Use code nuerlscott to earn a $100 bonus after your first qualifying deposit.
- Deposit $3,000+ monthly to reach Chime Prime for 5% back on one category, 3.75% savings APY, and travel perks.
- Select the free standard MyPay transfer (arrives in 24 hours) instead of instant delivery to access up to $500 early without fees.
- Check the Chime app for rotating Chime Deals — personalized cash back on gas, groceries, and dining that layers on top of card rewards.
Chime — frequently asked
Does Chime have a promo code for new members?
Referral bonuses replace traditional promo codes at Chime. New users who sign up through a referral link and complete a qualifying direct deposit of $200+ within 45 days can earn up to $100. Codes like codyjohns18 or Amanda10 apply this bonus automatically — no manual entry needed.
Is it free to open a Chime checking account?
Opening an account costs nothing. Chime charges no sign-up fees, no monthly service fees, no minimum balance requirements, no overdraft penalties, and no card replacement costs. Credit checks are not required.
What is a qualifying direct deposit at Chime?
Qualifying deposits arrive by ACH from employers, payroll services, gig platforms, or government benefits. The following do not qualify:
- Bank ACH transfers
- Pay Anyone transfers
- Peer-to-peer apps (PayPal, Venmo, Cash App)
- Mobile check deposits
- Cash deposits
- One-time payments like tax refunds
How do I get Chime Plus?
Chime Plus activates automatically when you receive a single qualifying direct deposit of $200 or more, or cumulative deposits of $400+, within 34 days. No subscription or manual upgrade is required.
How do I get Chime Prime?
Chime Prime triggers automatically when qualifying direct deposits reach $3,000 or more within 34 days. There is no application, no fee, and no manual step — your tier updates once the threshold is met.
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 purchases in one spend category selected each month. Choose your category in the app. Rewards cap at $1,500 in eligible spending per month and never expire.
What spend categories are available for Chime Card cash back?
Six categories are available each month:
- Grocery Stores
- Gas
- Restaurants
- Monthly Bills
- Taxi & Ridesharing
- Travel
Switch your selection on the first day of any month in the app.
Is MyPay free to use?
Standard MyPay transfers arrive within 24 hours at no charge. Instant transfers cost 3% of the advance (minimum $2, maximum $5). Stick with standard delivery to avoid all fees.
Are Chime deposits FDIC insured?
Deposits are FDIC-insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank, N.A., both Members FDIC. Chime is a financial technology company, not a bank.
Can I lose my Chime Plus or Chime Prime status?
Your tier reverts if deposits fall below the threshold after a grace period. Re-qualify anytime by meeting requirements again — $200+ single or $400+ cumulative for Chime Plus, $3,000+ monthly for Chime Prime.
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Free Gift Get 100 When You Open Account at Chime
Expired
Get $100 Free When You Enroll and Set Up a $200+ Direct Deposit
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Free $10 When You Activate Your Debit Card
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Free Gift Claim 100 Credit When You Register at Chime
Expired
Free Gift Claim 100 When You Open Account at Chime
Expired
Up to $200 Off
Fee-free Overdraft: Up To $200*
Expired
Sign Up for Chime® & Earn a Bonus
Expired