The payroll direct deposit must be made by an employer or payroll provider by an ACH deposit.The referred friend must open a new Chime Spending Account using the referring Chime member’s unique referral link, and receive a payroll direct deposit of $200 or more within 45 days from when the Chime Spending Account was opened.In order for both parties (the referred friend and the referring Chime member) to qualify for and receive the $100 referral reward, the following conditions must be met: