Why did Chime close my card after I reported an unauthorized charge?

When you file a dispute for an unauthorized transaction, we automatically disable your card and send you a replacement card to protect your account and prevent any further unauthorized transactions. We consider the card to be compromised since the security of its information is put at risk. We will be sending you a replacement card which will arrive in 7–10 business days and will be linked to your same Checking Account or Credit Builder Account but will have a new card number, expiration date, and security code (CVV). If your replacement card does not arrive within this time, please contact us again.

When you file a dispute for an unauthorized international transaction, we also automatically disable international transactions. You can re-enable international transactions in the app:

  1. Go to Settings
  2. Scroll to the card you want to use while abroad
  3. Toggle the International Transactions slider to the on position. 
    • Green means international transactions are enabled and gray means international transactions are disabled.

While your new Chime Card is on its way, you can access your funds via:

Temporary digital card

Your temporary digital card is available in the Chime app and has a complete card number, expiration date, and CVV. It doesn’t have a PIN, so you’ll need to run it as “credit”. 

Go to Settings and View your card to access your temporary digital card, which can be:

  • Used to pay bills online
  • Added to your Apple or Google Pay
  • Used to link to money transfer apps like Venmo, Cash App, and Facebook Pay

You cannot use your temporary digital card at any ATM.

Once your physical card has been activated, the Temporary Digital Card will be replaced with your new physical card.

Pay Anyone transfers

Use the Pay Anyone tab in the Chime app to transfer money to friends.

Chime Checking Account and routing numbers

Link your Chime Account to Venmo, Zelle, PayPal, or Square Cash apps using your Chime Checking account number and routing number or use them to have Direct Debits taken from your account by a merchant or biller.

Go to Settings and find your account number and routing numbers under Account info.

ACH transfers

Use the Move Money tab in the Chime app to initiate an outbound ACH transfer to a linked external bank account.

Mail a check

Use the Move Money tab in the Chime app to mail a paper check to a merchant or biller anywhere in the U.S.

 

How can I protect my account?

Tips for Safer Online Banking

A Guide on How to Protect Yourself From Online Scams

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Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank 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 is 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.

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