Chime Checking
- Bonus
- $200
- To qualify
- $500 direct deposit of $500+ each within 34 days
- What counts as a direct deposit
- Real payroll, pension or government benefit deposits. Transfers from your other bank accounts, Zelle and Venmo don't count. More
- Who can open it
- Anyone in the US, online
- Monthly fee
- None
- When the bonus is paid
- Within about 7 days after you finish the requirements
- Keep it open
- At least until the bonus posts. Chime's offer doesn't list a penalty for closing early, but some banks take the bonus back within 6 months, so 6 months is the safe choice.
- Open by
- January 31, 2027
Good to know: First-time Chime members only, opened through Chime's offer page. One direct deposit of $500+ within 34 days, then activate the debit card within 14 days of it. The full terms also pay 10% cash back on purchases for 90 days (up to $150), not counted here. Chime's offer page describes the rewards differently from its legal terms; we use the legal terms.
Checked against Chime's own terms on October 19, 2026.