What's a temporary credit?

If we can’t resolve your dispute within ten business days (20 business days for new accounts), we may add a temporary credit to your account balance to cover the disputed amount. 

Dispute types under Regulation E are eligible for temporary credit. This regulation covers both authorized and unauthorized electronic fund transfers at places like ATMs, point-of-sale transactions you make with your debit card, or automated clearing house (ACH) systems. In addition, all disputable Pay Anyone transfers are eligible for temporary credit.

Frequently asked questions

If I got a temporary credit, what happens to it after Chime investigates my dispute?

The amount of the temporary credit will remain in your account if we approve your dispute. If we deny your dispute, we remove the credit within five business days of sending your final decision email.

Please keep enough money in your account to cover the temporary credit amount in case we deny your dispute and reverse it. Your account gets drawn negative if we reverse the credit and there’s not enough money on your balance to cover the amount.

Why isn't my Credit Builder dispute eligible for a temporary credit?

Rather than giving you a temporary credit for your Credit Builder dispute, we won't charge you for the disputed amount on your monthly statement while we investigate. This means you aren’t responsible for the disputed amount while we’re reviewing your claim.

How long will it take to get my temporary credit?

If you’re eligible and we haven’t made a final determination on your claim within ten business days (20 business days for new accounts), we’ll apply the temporary credit to your account by the end of the tenth business day (20th business day for new accounts) of the date you filed your dispute.

Was this article helpful?
4415 out of 9821 found this helpful

Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card and the Chime Visa® Cash Rewards Card are issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

© 2013-2023 Chime. All Rights Reserved.