Lock, unlock, and secure your Chime card

Freeze or unfreeze your card

You can freeze your physical or virtual card at any time to block new transactions. This is useful if you misplace your card or want to pause spending temporarily. Chime does not support pausing an account. Freezing your card is an alternative way to restrict card transactions. 

To freeze or unfreeze your card:

1. Tap Profile > Cards.

2. Scroll to select the card you want to freeze or unfreeze.

3. Tap the Freeze card toggle to freeze or unfreeze your card.

   • Green = card is frozen and new card transactions are blocked

   • Gray = card is unfrozen and card transactions are allowed

On chime.com

1. Sign in at chime.com.

2. Click Profile > Account details > Transactions.

3. Click the toggle next to the card you want to freeze or unfreeze.

   • Green = card is frozen and new card transactions are blocked

   • Gray = card is unfrozen and card transactions are allowed

Report a lost or stolen card

If your card is lost or stolen, freeze it right away to block new transactions. Then go to your Cards page to report it and request a replacement.

To report a lost or stolen card in the Chime app:

1. Tap Profile > Cards.

2. Select the card you want to report.

3. Tap Report lost or stolen and follow the prompts.

If you don’t have access to the app, call (844) 244-6363 to report your card and request a replacement. 

Here is what happens after you report your card:

• Your card is automatically deactivated.

• A replacement card is ordered and typically arrives in 7–10 business days.

• Your new card links to the same Chime account but has a new card number, expiration date, and CVV.

• Your virtual card is still available in the app. Use it to make purchases online or in-store while you wait.

If you report your card as damaged (not lost or stolen), it stays active until you activate your replacement card.

When your new card arrives, update your saved payment details with any merchants, subscriptions, or auto-pay services to avoid missed payments.

Unblock your card after wrong PIN attempts

Your card is temporarily blocked after three consecutive incorrect PIN attempts. This is an automatic security measure to protect your account.

You can reset your PIN immediately to unblock your card. See Manage your Chime card PIN for instructions.

Verify your debit card PIN

Chime may ask you to verify your debit card PIN to keep your account secure. If your PIN is not verified, some transactions may not go through.

Your PIN is used for:

• ATM withdrawals.

• Point-of-sale purchases, such as groceries, gas, and in-store shopping.

• Cash back withdrawals over the counter.

To verify your PIN, tap the link in the email or push notification from Chime, or go directly to Verify debit card PIN in the app.

1. Tap Profile > Cards.

2. Swipe to select the card you want to verify.

3. Scroll down and tap Manage physical card.

4. Tap Change PIN to update and verify your PIN.