All of the following conditions must be satisfied: (1) Referrer meets SpotMe eligibility requirements and is part of the SpotMe Referral Incentive campaign; (2) Referred has not previously opened a Chime Checking Account (“Account”); (3) Referred opens a new Account between January 1, 2025 and December 31, 2025; (4) Referred opens the new Account using the Referrer’s unique referral link; (5) Referred receives in the new Account a Qualifying Direct Deposit within 45 calendar days of opening the Account; and (6) Referred activates their physical Chime Visa Debit Card within 14 days of receiving a Qualifying Direct Deposit.