Chime is an online banking app (not a traditional bank, but partners with FDIC-insured banks) that offers features like: • No monthly fees • Early direct deposit (up to 2 days early) • SpotMe fee-free overdraft (up to $200, eligibility-based) • Credit Builder tool (to help build credit history with no annual fees) The referral offer you’re seeing promises $100 for the new user (you, if you sign up via the link) after meeting the requirements. From current Chime details: • You sign up using the r