How to Boost Your Chime Account Security

Taking a proactive approach to security helps keep your money safe, and Chime’s Security Center gives you the tools to do just that.

But good account security isn’t just about reacting — it’s about prevention. The Security Center helps you stay one step ahead with features designed to spot risks before they become problems.

You can:

• Check and improve your account security: Use the password strength checker to find and fix weak passwords, and verify your email to ensure you are receiving important notifications and updates about your account.
• Make logging in easier and more secure: Set up a passkey and enable two-factor authentication to log in without a password.
• Learn from bite-size security trainings: Find bite-sized security trainings on how to avoid your bank account getting hacked, along with lessons on phishing, fraud, and more.

Is Chime safe? Rest assured that your money is Federal Deposit Insurance Corporation (FDIC)-insured up to $250,000 through our bank partners, The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC¹. This means your funds are held in real, regulated bank accounts, not just with Chime itself.

Even if Chime were to stop operating, your deposits would still be safe and accessible through our bank partners. On top of that, your Chime cards are protected by Visa’s Zero Liability Policy², so you’re not responsible for unauthorized charges if your card is lost, stolen, or used fraudulently.

You can find the Security Center online or in the Chime mobile app. Simply log into your account, tap the Profile icon, and select Security Center at the top of the page.

Once you’re inside, you’ll see all the tools that work together to protect your account and ensure safe online banking. You can set a strong password and add extra protection with Face ID, fingerprint login, or two-factor authentication to help ensure only you can access your account.

You decide how you stay protected. With tools like Face ID and 2FA, you won’t be slowed down by forgotten passwords or manual checks. These tools help Chime’s bank safety ratings shine – 75% of Chime members say they trust Chime more than major national banks.³

Chime offers a number of features to promote online banking safety. Here’s how you can protect your account.

Passkey

If you’d rather not be slowed down by typing in a password, you can set up a passkey for a biometric, password-free login. Chime has enabled both fingerprint authentication and Face ID, so logging into your account is as easy as tapping your screen or looking at your phone.

Email verification

Email verification is another option for confirming account ownership on demand. You can request that Chime sends you an email at login to verify you’re the one accessing your account.

Two-factor authentication

Chime’s Security Center also supports two-factor authentication (2FA). When you sign in, you can request that Chime send a one-time code to the mobile number linked to your account. This two-step login process adds another level of security to your account.

Password check

Chime’s Security Center contains a guided password checker that ensures you’re using a strong password. It will flag any weak or reused passwords, as well as check for breaches where your password may have been exposed. This password checker works together with your other chosen login method to continuously reinforce your defenses against fraud.

With Chime’s proactive security suite, you get total control over your account and ongoing peace of mind. The Security Center has intuitive tools, real-time insight, and expert guidance so you can keep your account secure with confidence.

Your Security Center dashboard shows exactly how secure your account is. You can see where you stand, learn what to do next, and trust that Chime’s tools will keep you ahead of threats and scams.

If you do spot suspicious activity, you can easily lock down your account in moments. From visual risk scoring to built-in verifications and training, everything you need to manage security and protect your account lives right in the Security Center hub.

At Chime, we know our members work for their money, so we work hard to protect it. Our Security Center helps you safeguard your information and protect your account from unauthorized logins. By proactively setting up safety features, like passkeys, 2FA, and strong passwords, you can create multiple layers of protection against scams and fraud.