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<form class="email-capture enroll-form" data-action="https://member.chime.com/enroll/?c=s" method="post">
  <div class="email-capture__input-val"> <input class="email-capture__input" type="email" name="user[email]" placeholder="Enter your email" autocomplete="email" title="Email Address">
    <div class="email-capture-error email-capture__validation copy--disclaimer"></div>
  </div> <input class="btn btn--black email-capture__submit email-capture-submit copy--button" type="submit" value="Get Started" data-android="Enter your email"> <input type="hidden" name="ph_tid" value="">
</form>

Text Content

LOOKS LIKE YOU’RE LOOKING FOR CHIME.COM

Chime® is a financial technology company, not a bank. Banking services provided
by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

Proceed


GET $100 WHEN YOU JOIN DEREK ON CHIME.1

How to claim your $100** ›

Learn how we collect and use your information by visiting our Privacy Policy›
Offer details›

**Offer available when you open a Chime Checking Account and receive a
qualifying direct deposit




YOUR
MONEY
SHOULDN'T COST
MONEY.™

No monthly fees
Get paid up to 2
days early^
Fee-free overdraft
up to $200*
Build credit history3 with no annual fees
Get up to $500
of your pay
before payday
“

My score went up over 60 points and I bought my first car.2

“

Early payday^ guarantees that I can make it to any gig, any rehearsal, anytime.

“

With Chime, I’m saving hundred of dollars a year.

 * 1
 * 2
 * 3

Real members. Sponsored content.


HOW TO CLAIM YOUR $100

Sign up in 2 minutes. Enroll in Chime and open a Chime Checking Account to get
started.

Set up direct deposit. Receive a qualifying direct deposit of $200+ into your
Chime Checking Account within 45 days of signing up.

Get $100. That’s it! We'll deposit $100 directly into your Checking Account
typically within 2 days.

 * 1


MAKE THE SWITCH TODAY.

Get started

MyPay™️ line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A..
MyPay services provided by Chime Capital, LLC (NMLS 2316451).

1Terms and Conditions: In order for the referring Chime member (“Referrer”) to
qualify and receive the $100.00 referral reward and $10.00 temporary SpotMe
Bonus Limit increase, and for the referred person (“Referred”) to qualify and
receive the $100.00 referral reward, all of the following conditions must be
satisfied: (1) Referrer meets SpotMe eligibility requirements and is part of the
SpotMe Referral Incentive referral reward campaign; (2) Referred has not
previously opened a Chime Checking Account (“Account”); (3) Referred opened a
new Account between January 1, 2023 and December 31, 2023; (4) Referred opened
the new Account using the Referrer’s unique referral link; (5) Referred received
in the new Account a Qualifying Direct Deposit within 45 calendar days of
opening the Account; and 6) Referred activated their physical Chime Visa Debit
Card within 14 days of receiving a Qualifying Direct Deposit. A Qualifying
Direct Deposit is a deposit of $200.00 or more by Automated Clearing House
(“ACH”) that comes from your employer, payroll provider, gig economy payer, or
benefits payer OR a deposit by Original Credit Transaction (OCT) from your gig
economy payer. Bank ACH transfers, Pay Anyone transfers, verification or trial
deposits from financial institutions, peer to peer transfers from services such
as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits,
one-time direct deposits, such as tax refunds and other similar transactions,
and any deposit to which Chime deems to not be legitimate are not Qualifying
Direct Deposits. Members will not be enrolled in SpotMe automatically. Members
must qualify for SpotMe and enroll manually through the Chime App in order to
receive the temporary SpotMe Bonus Limit increase referral reward. Members may
earn no more than $50.00 in SpotMe Bonus Limit referral increase and may earn no
more than $1,000.00 in monetary referral rewards per calendar year (January 1,
2023 - December 31, 2023 and January 1, 2024 – December 31, 2024). No member’s
SpotMe limit may exceed $200. Any earned SpotMe increases from this referral
reward in the Member’s bonus queue (“Bonus Queue”) not yet added to the Member’s
SpotMe limit (due to the promotional limit cap) will be added to the Member’s
SpotMe limit on a rolling basis as the previously added SpotMe increases from
this referral reward expire. Once the temporary SpotMe bonus limit ends, Members
may no longer earn SpotMe increases on this referral reward, however the earned
SpotMe bonuses in the Member’s Bonus Queue will not be lost. Any Referrer SpotMe
Bonus limit increase referral reward will expire 184 calendar days from the
Referred receiving a Qualifying Direct Deposit. If an eligible Referrer loses
Bonus Limit eligibility, and the Referred completes the above conditions, the
Referrer will receive the $10 temporary SpotMe limit increase referral reward
only upon regaining Bonus Limit eligibility. Referral rewards will generally be
provided within two (2) business days after all the above conditions are met.
The Referrer’s account must be in good standing in order to receive the referral
reward. Referred individuals acknowledge that payment of any referral reward may
result in the Referrer’s knowledge of the Referred’s establishment of a new
Account or enrollment in a product. Chime reserves the right to cancel or modify
the terms of any referral reward offer or terminate a member's eligibility at
any time with or without prior notice. Credits of $10 or more will be reported
on tax form 1099-INT for new members (Referred). Credits of $600 or more will be
reported on tax form 1099-MISC for referring Chime members (Referrers). Banking
services are provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC.

2To be eligible for MyPay, you must receive qualifying direct deposits to your
Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct
deposit is a deposit from an employer, payroll provider, gig economy payer,
government benefits payer, or other permitted source of income by Automated
Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit
Limit and Maximum Available Advance may change at any time. MyPay is a line of
credit and available limits are based on estimated income and risk-based
criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay
period. Your Credit Limit and Maximum Available Advance will be displayed to you
within the Chime app. MyPay is currently only available to eligible Chime
members in certain states. Other restrictions may apply. See Bancorp MyPay
Agreement or Stride MyPay Agreement for details.

3️Based on a representative study conducted by Experian®, members who made their
first purchase with Credit Builder between June 2022 and October 2022 observed
an average FICO® Score 8 increase of 30 points after approximately 8 months.
On-time payment history can have a positive impact on your credit score. Late
payment may negatively impact your credit score.

^Early access to direct deposit funds depends on the timing of the submission of
the payment file from the payer. We generally make these funds available on the
day the payment file is received, which may be up to 2 days earlier than the
scheduled payment date.

*SpotMe® for Credit Builder is an optional, no interest/no fee overdraft line of
credit tied to the Secured Deposit Account; SpotMe on Debit is an optional, no
fee service attached to your Chime Checking Account (individually or
collectively, “SpotMe”). Eligibility for SpotMe requires $200 or more in
qualifying direct deposits to your Chime Checking Account each month.

Qualifying members will be allowed to overdraw their Chime Checking Account
and/or their Secured Deposit Account up to $20 in total, but may be later
eligible for a higher combined limit of up to $200 or more based on member’s
Chime account history, direct deposit frequency and amount, spending activity
and other risk-based factors. Your SpotMe Limit will be displayed to you within
the Chime mobile app. You will receive notice of any changes to your SpotMe
Limit. SpotMe for Credit Builder and SpotMe on Debit share a single SpotMe
limit. Your SpotMe Limit may change at any time, at Chime or its banking
partners’ discretion. Although there are no overdraft fees, there may be
out-of-network or third party fees associated with ATM transactions or OTC cash
withdrawal fees at retailers. SpotMe won't cover non card transactions,
including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions.
SpotMe Terms and Conditions.

Chime® is a financial technology company, not a bank. Banking services are
provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime
Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are issued by
The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa
U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted.
Please see the back of your Card for its issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook
gives you the freedom to send checks to anyone, anytime, from anywhere. See your
issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

Opinions, advice, services, or other information or content expressed or
contributed here by customers, users, or others, are those of the respective
author(s) or contributor(s) and do not necessarily state or reflect those of The
Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible
for the accuracy of any content provided by author(s) or contributor(s).

Third-party trademarks referenced for informational purposes only; no
endorsements implied.