Call: $350 for opening a new account and getting a direct deposit

Update 3/27/26: There are two bonuses directly from Chime:

Update 2/27/26: $300 on Finder currently.

Update 2/16/26: $300 more TCB and 250 dollars Rakuten now

Update 1/18/25: It’s at $250/$25,000 it’s Rakuten now. (That’s nowhere near the $490-$540 we saw on Swagbucks/Inbox at some point in the past, but an option that will interest some.)

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

Offer at a glance

• Maximum bonus amount: $155-$182
• Availability: On a national scale
• Direct deposit required: Yes, $200+
• Additional requirements: ANY
• Hard/soft pull: Gentle pull
• ChexSystems: Unknown
• Credit card financing: ANY
• Monthly fees: ANY
• Early account closure fee: ANY
• Family boundary: None listed
• Expiration date: None listed

Offers

Swagbucks | MyPoints

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

Fine Press

• All bank account bonuses are treated as income/interest and as such you must pay tax on them

Avoidance of fees

Monthly fees

This account has no monthly fees to worry about

Early account termination fee

There is no EATF

Our verdict

If the referral pool + Swagbucks works, this is a good deal and available nationwide.

Useful posts about bank bonuses:

Post History:

• Update 3/13/25: It’s now $485 Swagbucks and Inboxdollars, $300 in Topcashback.
• Update 2/22/25: 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 in Inbox Dollars. Hats off to him TOOL
• Update 7/31/24: Dollars in Inbox is now offering $415 from 7/31 to 8/31. Hats off to him JD (Swagbucks/MP are up to $390-$406)
• Update 6/7/24: Swagbucks/MyPoints it’s 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 in MyPoints. (Referral is up to $100. Some people were trying to collect Swagbucks + referral, not sure if it’s working.)
• Update 9/7/23: The referral bonus is now up to $200 for the new member (and the referrer gets $100). (FM reports that you may need to try the referral link in several browsers to find the $200 offer.) THERE ARE NO REFERRAL REQUESTS OR OFFERS IN COMMENTS. It may be possible to collect a referral bonus along with Swagbucks $155/MP $182 bonus – details here. This would make it possible for the new member to currently earn $355-$378 total, in addition to the $100 the referrer will earn. (ht Matt F AND uscreditcard strategy)
• Update 6/27/23: Up slightly to 25,550 SB or 43,350 MP, which is $255 from Swagbucks or about $273-286 from MyPoints. (ht Tim L) It may be possible to collect a referral bonus on top of this – details here. THERE IS NO REQUEST OR OFFER FOR A REFERRAL IN THE COMMENTS.
• Update 6/13/23: Now up to 23,000 SB or 39,100 MP, which is $230 from Swagbucks or about $247-258 from MyPoints. We haven’t seen the bonus this high in many months, although it has been higher at some points in the past. (ht daily rewards)
• Update 2/16/23: Up to 17,000 SB in Swagbucks / 25,000 MyPoints
• Update 10/30/22: Up to $200 in Swagbucks and 38,000 MyPoints ($240-$250 worth)
• Update 6/1/22: Back 25,000 ($250) in Swagbucks and 44,000 ($270-290) in MyPoints.
• Update 5/1/22: Get $300 back in Swagbucks (see also this comment per possible stack)

• Update 4/16/22: Back to $250 – $290.
• Update 3/10/22: Now $300 in Swagbucks and 50,000 ($315-$330) in MyPoints.
• Update 2/2/2: Extends through 2/28/22
• Update 1/6/22: $250-$290 valid through 1/31/22.
• Update 11/2/21: The $250/$290 offers have been extended through November 2021 ??
• Update 8/18/21: Offer is up to 25,000 ($250) in Swagbucks and 44,000 (about $290) in MyPoints. Hat tip to reader Andy
• Update 7/3/21: Come back with 15,000 Swagbucks ($150) and 26,000 MyPoints ($165).
• Update 12/1/20: Now 15,000 Swagbucks worth $150. (Hat tip to the reader washroom), MyPoints it’s slightly higher at 26,000 which is worth about $165. (Hat tip to reader Andrew)
• Update 11/6/20: Offer is back and valid through 11/30 Johnnie’s Dough.