How can i check my chime balance

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC

TRUSTED BY MILLIONS
Stay in control of your money with instant transaction and daily balance alerts. Plus, enable two-factor authentication and block your card in a single tap.

OVERDRAFT UP TO $200*
We get it– when your balance is running low, the last thing you need is an overdraft fee. Eligible members on Chime can overdraft up to $200* on debit card purchases and ATM withdrawals fee-free.

SAY GOODBYE TO MONTHLY FEES‡
Your account shouldn’t cost you money. Chime has no monthly maintenance fees, minimum balance fees, or foreign transaction fees. Plus, access 60k+ fee-free ATMs at locations like Walgreens, 7-Eleven, CVS, and more.

GET PAID UP TO 2 DAYS EARLY
Get your paycheck up to two days early^ with direct deposit, earlier than you would with some traditional banks.

MEET CREDIT BUILDER, A NEW WAY TO BUILD CREDIT
Whether it’s for gas or groceries, use Credit Builder¹ to increase your FICO® Score by an average of 30 points² with regular on-time payments. No interest, no annual fees, no credit check to apply.

PAY ANYONE WITH NO TRANSFER FEES
Send money to friends, family, or roommates as fast as a text – with no transfer fees.
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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. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. Debit card and Credit card may be used everywhere Visa credit cards are accepted.

*Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.

‡Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

¹To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $200 or more to your Checking Account within 365 days of your Credit Builder application. See http://chime.com/applycb for details on qualifying direct deposit.

²Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

Chime received the highest 2021 Net Promoter Score among competitors in the industry according to Qualtrics®.

A serious outage at online-only financial company Chime prevented some customers from making debit card transactions and accessing their accounts via the mobile app and website, leading to a flurry of frustrated posts on social media from those who said they were unable to pay bills or had found their cards declined for purchases.

The outage was first noted on Wednesday afternoon, according to a company status page. By Thursday morning, the institution tweeted that most functions were back online. But some customers continued to post on Twitter that their accounts were locked.

In a statement at about 1 p.m. ET Thursday, spokesperson Kendra Boccelli said the outage was due to “an issue with our gateway processing partner.”

“Chime card transactions and cash withdrawals have now been fully restored and members have full access to their funds. Deposits are posting and have not been affected by the outage. All consumer funds and data are safe,” the statement said.

Chime experienced service disruptions in July and September as well, though this week’s appears to have been on a larger scale.

Hotel manager Juanita Crawford of Oklahoma City said her debit card was declined when she tried to pay for lunch Wednesday. When she checked her app, she couldn't access her account.

Crawford said she’d been happy with her Chime account for more than a year and had recommended the company to others.

“Now I feel like a heel because one that I referred recently had to pay for my lunch,” she said.

If you are affected by this or any banking outage, here’s what you need to know, as well as what you can do to protect your records.

What you can do right now

Check your balance. If you are not able to pull up your balance online, a customer service representative may be able to provide help by telephone.

You can call Chime’s customer service number at 844-244-6363.

Tech failures can happen at large banks as well as smaller, online companies. Here’s what you can do to prepare yourself.

Have a backup plan. If Chime is your only banking option, consider opening a second account elsewhere so you will be able to continue to access funds in the event of an outage. See below for more information from Chime.

Be on the alert for fraud. If someone claiming to be from your financial institution contacts you out of the blue and asks for personal information, it could be a fraudster trying to take advantage of fear around the outage. It could be a phishing attempt designed to use your identity to get access to your money. Make sure all contact with Chime is through official means, such as its customer service number.

Check your records. When your account comes back online, check it closely for recent transactions. If you see any charges you didn’t authorize, or other suspicious-looking activity, contact your institution to investigate.

See more information from Chime

Chime says: “Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.”

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