Merchant refunds typically post within five business days but can vary depending on several factors. We do not hold refunded money before it’s posted to your account, and we cannot speed up refunds.
Refunds for completed transactions with online or in-person merchants usually take up to five business days from when they are issued. In some cases, they may take up to 14 days. Once the merchant issues the refund and your money is on its way, you'll be able to check its status in the Chime mobile app. We’ll also notify you when your money arrives.
If five business days have passed and you still don’t have your refund, the best thing to do is contact the merchant and ask for your refund status. Online merchants may have this information available on their website.
When you use a Chime Visa® Debit Card or Chime Secured Credit Builder Visa® Credit Card to make a purchase, the transaction is marked as Pending for a few days until the merchant verifies that your account has enough money to cover the purchase. This is also known as an authorization. Authorizations expire when the merchant doesn't complete the process. As a result, the pending transaction goes away and your money should be available in your account within seven business days.
To view an expired authorization in the app, follow these steps:
- Go to View Transactions under the card you used for the purchase.
- Tap any transaction marked as “Reverted.”
Reversed or canceled authorizations
If a merchant cancels a pending transaction on a Chime Visa® Debit Card or Chime Secured Credit Builder Visa® Credit Card, the authorization gets reversed. When this happens, your money should be available in your account within seven business days. You'll also see a notification in View Transactions under the card you used for the purchase, which you can tap for more details.
If you need help, chat with us in the app, or contact us by email at firstname.lastname@example.org or by phone at (844) 244-6363.