Chime: $540 Inbox Dollars For Opening A New Account & Receiving A Direct Deposit

Update 4/2/25: It’s now $540 on Inbox Dollars and $490 on Swagbucks and like $420 on MyPoints. An all-time high. (ht Gadget)

Offer at a glance

• Maximum bonus amount: $155-$182
• Availability: Nationwide
• Direct deposit required: Yes, $200+
• Additional requirements: None
• Hard/soft pull: Soft pull
• ChexSystems: Unknown
• Credit card funding: None
• Monthly fees: None
• Early account termination fee: Unknown
• Household limit: None listed
• Expiration date: None listed

The Offer

Swagbucks | MyPoints

• Chime is offering a bonus of $155 when you sign up for a new account and receive two consecutive direct deposits, each of $200 or higher. MyPoints also has the same offer for 29,000 points (worth $182 or more).

The Fine Print

• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about

Early Account Termination Fee

Unsure if there is an early account termination fee or not

Our Verdict

If the referral + Swagbucks stack works this is a nice deal and available nationwide.

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Post history:

• Update 3/13/25: It’s now $485 on Swagbucks and Inboxdollars, $300 on Topcashback.
• Update 2/22/25: It’s now $500/$525 on Inbox Dollars, $430 on Swagbucks; see other options here. (ht Tikky). Plus you’ll get $100 from Chime.
• Update 1/15/24: Now $510 on Inbox Dollars. Hat tip to Gadget
• Update 7/31/24: Inbox dollars is now offering $415 from 7/31 to 8/31.  Hat tip to JD (Swagbucks/MP are up to $390-$406)
• Update 6/7/24: Swagbucks/MyPoints is up to $310-$350 now (ht PeteyPablo)
• Update 12/3/23: Swagbucks is up to 25,000 ($250) now
• Update 10/17/23: Swagbucks is up to $245 now, and similar on MyPoints. (Referral is down to $100. Some people were trying to stack the Swagbucks + referral, I’m not sure if that’s working.)
• Update 9/7/23: Referral bonus is now up to $200 for the new member (and the referrer gets $100). (FM reports you might have to try the referral link in a few browsers to find the $200 offer.) NO REQUESTS OR OFFERS FOR REFERRALS IN THE COMMENTS. It might be possible to stack a referral bonus together with the Swagbucks $155/MP $182 bonus – details here. That would make it possible for the new member to earn currently $355-$378 altogether, aside from the $100 the referrer will earn. (ht  Matt F and uscreditcardstrategy)
• Update 6/27/23: Increased again slightly up to 25,550 SB or 43,350  MP, that’s $255 from Swagbucks or around $273-$286 from MyPoints. (ht Tim L) It might be possible to stack a referral bonus on top of that – details here. NO REQUESTS OR OFFERS FOR REFERRALS IN THE COMMENTS.
• Update 6/13/23: Increased now up to 23,000 SB or 39,100 MP, that’s $230 from Swagbucks or around $247-$258 from MyPoints. We haven’t seen the bonus this high in many months, though it has been higher at some points in the past. (ht usdailyrewards)
• Update 2/16/23: Down to 17,000 SB on Swagbucks / 25,000 MyPoints
• Update 10/30/22: Down to $200 on Swagbucks and 38,000 MyPoints (worth $240-$250)
• Update 6/1/22: Back down to 25,000 ($250) on Swagbucks and 44,000 ($270-$290) on MyPoints.
• Update 5/1/22: Back at $300 on Swagbucks (see also this comment for possible stack)

• Update 4/16/22: Back down to $250 – $290.
• Update 3/10/22: Now $300 on Swagbucks and 50,000 ($315-$330) on MyPoints.
• Update 2/2/2: Extended until 2/28/22
• Update 1/6/22: $250-$290 valid until 1/31/22.
• Update 11/2/21: $250/$290 deals have been extended through November 2021 ??
• Update 8/18/21: Deal is up to 25,000 ($250) on Swagbucks and 44,000 (around $290) on MyPoints. Hat tip to reader Andy
• Update 7/3/21: Back again at 15,000 Swagbucks ($150) and 26,000 MyPoints ($165).
• Update 12/1/20: Now 15,000 Swagbucks worth $150. (Hat tip to reader vc), MyPoints is slightly higher at 26,000 which is worth around $165. (Hat tip to reader Andrew)
• Update 11/6/20: Deal is back and valid until 11/30 hat tip to Johnnie Dough.