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Chime
Chime Checking via Rakuten Bonus
Earn cash back through Rakuten when you open a Chime checking account and receive a qualifying direct deposit. The payout amount varies based on current Rakuten promotions. Stacks on top of any direct Chime referral bonus. No monthly fee. Available nationwide.
- Bonus amount
- Varies
- Time to complete
- ~14 days
- Bonus deposited in
- ~60 days
- Difficulty
- Easy
Requirements
Last verified: May 5, 2026
Open an account via Rakuten
Click through Rakuten's Chime link and open your account. You won't earn cashback if you open directly.
Set up direct deposit
Receive a qualifying direct deposit of $200 or more as your first deposit within 30 days.
Rakuten cashback typically tracks within a few days but may take up to 60 days to become payable.
Tips & Gotchas
- →The payout comes from Rakuten, not Chime. Check the current amount on rakuten.com before signing up.
- →Always click the Rakuten link fresh before signing up. Cookies expire.
- →This is one of the most popular rechurn targets. Close your account, wait ~30 days, and do it again.
Direct Deposit Data Points 61
Community-reported results for what triggers a qualifying direct deposit at Chime.
Account Details
Keep open for at least 60 days to avoid issues.
Eligibility
Must be a "new" Chime member. Use a different Email.
Can You Earn This Bonus Again?
Fine Print
Rakuten terms apply. Chime account must be new. Payout varies and is not guaranteed.
Taxable income · Reported on 1099-MISC
Related Articles
What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
Does Zelle Count as Direct Deposit for Bank Bonuses?
No. Zelle payments don't count as direct deposit for bank bonuses. Here's why it fails and what to use instead so the bank pays you.
What is a fintech (digital bank)?
App-based financial companies that offer banking services without traditional brick-and-mortar branches.
Also see: this month's best bank bonuses and community DD data points.
We may earn a commission if you open an account through the link above. This doesn't affect our recommendations. Learn more