Chime Help Guide: Dispute Charges, Close Account, Login Issues & Support

How to Contact Chime Customer Service

Chime Member Services is available 24 hours a day, 7 days a week. The quickest ways to reach them are:

Call Chime Support:

• Phone: Call (844) 244-6363.

Chat in the Chime app:

1. Open the Chime app and tap Profile.
2. Tap Help Center.
3. Tap Chat to start a conversation with support.

How to Dispute a Charge on Your Chime Card

If you see a charge you don’t recognize or a transaction that went wrong, you can file a dispute directly in the Chime app.

File a dispute in the app:

1. Open the Chime app and tap the account with the transaction you want to dispute.
2. Find the transaction in your list (it must be posted, not pending).
3. Tap Problem with this transaction?
4. Follow the prompts to file your dispute.

If you can’t file in the app:

Call Chime Member Services at (844) 244-6363 for help filing your dispute.

What to include with your dispute:

• Receipts or invoices
• Confirmation emails or order details
• Tracking numbers (if applicable)
• Any conversations with the merchant
• Photos of damaged or defective merchandise

After filing, you can check the status in the Disputes section of the Chime app. Chime will email you once a decision is made.

How to Close Your Chime Account

You can close your Chime Checking Account directly in the mobile app or by calling support.

Close your account in the app:

1. Open the Chime app and go to Profile.
2. Tap Personal info.
3. Tap Close Account and follow the steps.

Close by phone:

Call Chime Member Services at (844) 244-6363 to close a Checking Account, Savings Account, or other Chime accounts.

Before you close your account:

• Download your statements: Go to Profile → Documents to save tax documents and statements — you won’t have access after closure.
• Transfer any remaining funds: Move money to an external bank account. If you can’t transfer before closing, Chime will mail a refund check within 14 days of closure (may take up to 30 days to receive).
• Clear any negative balance: You must resolve a negative balance before closing.

Can’t Log In to Your Chime Account?

Login problems are common. Here’s what to do based on the issue you’re facing.

You have a new phone number:

1. On the verification screen, tap Need help?
2. Select Update phone number and follow the steps.

You forgot your password:

Use the password reset option on the login screen or visit the Chime password reset page.

You forgot your email or lost access:

Go to the Forgot Email Address page and follow the steps to recover it.

Your account is on hold:

If Chime detects unusual activity, your account may be temporarily placed on hold. Call (844) 244-6363 to speak with Member Services.

An account was created with your information:

If you were notified about an account you didn’t create, call (844) 244-6363 immediately.

Your account was closed:

If your account was closed and you’d like it reviewed, call (844) 244-6363.

Lost or Stolen Chime Card: What to Do

If your Chime card is lost, stolen, or used without your permission, act quickly to protect your account.

1. Freeze your card immediately: Go to Profile → Cards, select the card, and toggle Freeze card. (Green = frozen, Gray = active)
2. Request a replacement: In the same Cards section, tap Replace card, choose a reason, and confirm your address.
3. Update your password: Change your Chime password to secure your account.

Chime Direct Deposit Not Showing Up?

If your direct deposit hasn’t arrived, here are the most common reasons and what to do:

• Check your employer’s payroll schedule: Some employers process deposits earlier or later than expected.
• Verify your account and routing numbers: Make sure your employer has the correct Chime account details.
• Technical delays: Occasionally, Chime may experience system issues that delay deposits. Check the app for any notices.
• Contact Chime Support: If the deposit is significantly late, call (844) 244-6363 to check the status.

Why Isn’t My Chime SpotMe Limit Increasing?

SpotMe is Chime’s fee-free overdraft feature. Your limit grows over time based on your account activity. Here’s what affects it:

• Consistent direct deposits: Regular deposits are the biggest factor in increasing your SpotMe limit.
• Account activity: Using your Chime account regularly helps.
• Repayment history: Paying back SpotMe balances on time helps your limit grow.
• Account age: Newer accounts may have lower limits initially.

If your limit hasn’t changed in a while, keep using your account consistently. Contact Chime Support if you have specific questions about your SpotMe eligibility.