Chime offers a referral bonus program that allows users to earn rewards by inviting friends to join the platform. While many promotions require direct deposit to qualify for bonuses, Chime's referral program does not have this stipulation. Users can earn a cash bonus when their referred friends sign up and meet the necessary criteria, such as making a qualifying transaction. This makes it easier for users to benefit from the referral program without needing to set up direct deposit, enhancing the appeal of Chime's services.