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How do I know if I’m being phished?

Phishing is a type of scam that involves communications from someone pretending to be a trusted person or business in an attempt to steal your personal and/or financial information. 

What does phishing look like? 

    • The message requests personal information or asks you to reply with your username, email address, and/or password. Chime will never ask for this sort of information in an email, text, phone call, or social media message.
    • Phrases like “free money” and images showing luxury items or piles of cash are signs that what you’re reading or looking at is a scam.
    • The sender's email doesn't match the name of the company. Sometimes, an email will say “Chime Banking” instead of just Chime.
    • The URL doesn't match the company's website or contains links to fake login pages or password reset pages. 
    • The message looks significantly different from other messages. Most of our communications follow a similar style or template. 
    • The message is unsolicited and contains an attachment. Never click on an attachment from an unknown sender. If you don't trust a link in an email, don't click it. Instead, go directly to the website from your browser or to the app.

How do I protect myself?

    • Follow the saying, “If it seems too good to be true, it probably is.” 
    • Never share usernames and/or passwords with anyone, including your close family and friends.
    • Don’t write any identifying information down on paper or in any other non-secure place. 
    • Never share personal information with strangers or on non-secure websites.
    • Remember to enable push notifications in the Chime app. We’ll alert you there if we notice any suspicious activity. 
    • Monitor your account regularly either online or through your mobile app because you know your activity better than anyone.
    • Be extra careful during tax season. Scam activity increases at this time.
    • Consider shredding any documents with personal and confidential information on them. 

Chime will only communicate with you through our official channels:

To confirm the communication you've received is from us, double-check the email address or look for the blue checkmark next to our name on X, Facebook, TikTok, and Instagram.

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*Chime is not FDIC-insured. The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

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