Chime offers a bonus for new users who set up direct deposit, making it an attractive option for those looking to streamline their banking experience. By enrolling in direct deposit and having a qualifying paycheck or government benefit deposited into their Chime account, users can earn a cash bonus, typically credited within a few days. This incentive not only encourages regular deposits but also helps users manage their finances more effectively, all while enjoying Chime's fee-free banking services and user-friendly app.