The $100 bonus posts to your Chime account within 2 business days of meeting the requirements, but typically posts instantly once the requirements are met.Make a direct deposit of $200 or more within 45 days of opening your account.Open a new Chime bank account using a referral link ( here’s my Chime referral link).To earn the $100 referral bonus, you need to do the following: Chime is a free online bank that offers a $100 referral bonus if you open a new Chime account using a referral link.