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The Chime Referral Bonus program allows users to earn rewards by inviting friends to join the platform, even without setting up direct deposit. To participate, simply share your unique referral link with friends. When they sign up and complete the required actions, both you and your friend can receive a cash bonus. Ensure your friend meets the criteria, such as making a qualifying transaction, to unlock the bonus. This guide helps you maximize your earnings while enjoying Chime's user-friendly banking services.