Chime Financial puts the featured November new-account Checking offer at up to $350. It is for first-time holders who open through a promotional page and finish qualifying tasks. Details appear in the offer terms running March 25, 2026 through Jan.
31, 2027. Chime is a financial technology company, not a bank. Smaller November paths include a simpler $200 promo and a $100 referral bonus.
Table of Contents
- How does the $350 bonus break down?
- What about the simpler $200 offer?
- Is the $100 referral worth it?
- Who qualifies and what should you check?
How does the $350 bonus break down?
The Bonus Stack's Nov. 6, 2026 verification explains the two parts together. The first $200 requires one qualifying direct deposit of $500 or more within 34 calendar days of opening. The remaining up to $150 comes as 10% cash back on eligible Chime Visa purchases, capped at $50 per month for 90 days after opening, as described in that November verification.
A $600 payroll deposit in week two would meet the first part. Then $400 in eligible purchases in month one would earn $40 back. A $500 purchase month would hit the $50 monthly cap. To track it, check three dates:.
- Opening date on your approval notice
- Date of the $500-or-more deposit
- Monthly purchase totals during the 90-day cash-back window
What about the simpler $200 offer?
Chime states on its current promo page that new Checking customers can earn $200 by making a $500-or-more qualifying direct deposit within the first 30 days, according to the current $200 promo page. It has one deposit step and no purchase requirement.
The trade is lower upside for less work. The maximum is $150 less than the featured $350 offer. The deposit deadline is also shorter, 30 days instead of 34 days.
Is the $100 referral worth it?
Chime's Help Center states that a referred friend receives $100 after one $200-or-more qualifying direct deposit within 45 days, plus physical-card activation within 14 days of that deposit, under the standard referral rules. The deposit threshold is lower than the $500 level.
The payout is also lower. It suits someone with a smaller paycheck deposit who has a referral link. It still requires prompt card activation after the deposit posts.
Who qualifies and what should you check?
The large intro offers are for first-time Chime account holders who use the designated promo link or invitation. The Bonus Stack's Nov. 6, 2026 verification notes that existing customers are not eligible.
Use the promo link first, then open the account. Chime's homepage disclosure notes that accounts are held through The Bancorp Bank, N.A. and Stride Bank, N.A., with FDIC insurance up to $250,000. Confirm the promo page, deposit minimum, and day count before you apply.
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