The review
A legit checking account bonus with no strings attached - One ACH Direct deposit and you get $350 - I tested this myself to confirm it's working. This offer is through Gemsloot and I get a tiny commission on this at no cost to you. Chime is a legit Fintech banking app that is backed by the same guys who do Paypal's banking and perks. The checking and savings accounts are FDIC insured, and the bonus has no strings attached - once it hits your account (which can take a few weeks), you can literally just transfer it to a different bank and never use Chime again. Chime itself is a decent app/service, but if you're JUST here for the money - that works - TRUST ME - I did that - lol - why am i using so many hyphens - sorry about that - thanks for reading
Tips & tricks
- go into your HR portal at your job and just set your next paycheck to have $200 go into this new Chime account
- you can literally close the chime account and transfer the funds (total $550) to another account when you're done, lol
- The bonus will take up to a month to actually show up. You gotta keep the $200 in there for a while. From sign up time to bonus receiving time it probably took like 5 weeks for me, and I only spent about an hour setting it up. Easiest $350/hr I'll ever make LOL.
- You'll receive a 1099-INT form from Chime to pay taxes on the $350 bonus you received. Make sure you set like 20% of this aside and dont spend it cause it will ding you at the end of the year, slightly.
- Chime offers a pretty competitive 3% or 3.75% HYSA built right in that is FDIC insured up to 250k if you continue to direct-deposit with them.
- Chime will pay you 2 days early for your paychecks, usually.
- This specific offer requires a gemsloot login. While they aren't my FAVORITE site out there, they do have some banger one-off offers that I am going to be ranking individually.