I knew that it was, but Chime agents apparently don't have the capability to see that. The problem, I was told, was that the deposit was not an ACH transaction. I called back, as the agent instructed, to get our accounts linked, as I had completed all the requirements. At this point I was just trying out the service. I also activated the debit card when it arrived. So I directed my employer to make a $200 deposit out of my payroll to Chime and that transaction went through. We immediately called support and they assured us it was not a problem, and instructed me to continue with the direct deposit and card activation and when that was completed they could manually link the accounts for the referral bonus.
I signed up 10 minutes before she sent me the referral link. My wife has a Chime account and suggested I sign up.