Chime
Chime Checking via Rakuten $50 Bonus
Bonus amount
$50
Time to complete
~14 days
Bonus deposited in
~60 days
Difficulty
Easy
Requirements
Last verified: Mar 21, 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.
Activate the Chime Debit Card
Activate your Chime Debit card after you receive it in the mail.
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 2
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.
Rechurnable?
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.
What is a fintech (digital bank)?
App-based financial companies that offer banking services without traditional brick-and-mortar branches.
What is a hold period?
The minimum time you must keep your balance in an account before the bonus is paid out.