Chime® is a financial technology company, not a bank. Banking services, credit, and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

Trust and Safety

Member security: our commitment.

  • Industry-recognized technologies and security frameworks
  • 4,200+ customer service experts provide 24/7 support
  • Chime cards are backed by Visa’s Zero Liability Policy1
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Members’ money:

Our members work hard for their money, so we work hard to protect it. Our security frameworks help our members breathe easy and focus on their life goals.

Security controls:
 regularly tested.

Our security program follows a set of standard industry practices deployed by other leading companies to protect members and combat fraud.

Chime account safety: easy as 1-2-3.

Our in-app safety features give members control they can feel, the moment they need it.

Learn more about safety and security.

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How to Avoid Scams That Target Chime Members

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The Risks of Second-Party Fraud and How to Avoid It

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Top 9 Most Common Scams and How to Avoid Them

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5 Steps to Take If Someone Opens a Credit Card in Your Name

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Is Online Banking Safe? Security Risks and How to Prevent Them

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6 Tips to Avoid P2P Fraud and Money Scams

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What to Do When Your Data Is Breached? Next Steps to Take

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How to Protect Yourself From Student Loan Forgiveness Scams

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What Is Bank Fraud? Fraud Prevention Tips

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Get help.

safety faq

Safety FAQs.

Have questions?

  • Find more answers at our Trust and Safety Help Center
  • Read common security questions on our FAQ
bug bounty program

Bug bounty program.

Are you a security researcher? We conduct regular security tests of our product. Check out our active bug bounty program through HackerOne.

customer service

Customer service.

Need help with a Chime account?

  • Use the Chime mobile app to contact support
  • Call us at 1-844-244-6363


What are some of Chime’s security practices?

Our top priority is protecting our members’ money and their data. In order to achieve this, we apply at least 128-bit AES encryption, we regularly review and update access control policies to our systems, and we routinely test our product to ensure your money is safe with Chime.  If you notice an unauthorized transaction, you can disable transactions on your Chime card immediately in the settings section of the Chime app and website to prevent further unauthorized card transactions. You should contact Chime to report the unauthorized card transactions. Please see the information above on how to contact us.

Can you use your Chime Visa Debit Card in other countries?

You can use your Chime Debit Card anywhere Visa cards are accepted, including outside the U.S. and with no foreign transaction fees! International transactions can be enabled or disabled in the settings menu found in the Chime mobile banking app.

What do I do if I don't recognize a transaction in my Checking or Savings Account?

If you do not recognize a transaction in your Checking Account or Credit Builder, we ask that you temporarily block your debit card and/or credit card:

  • Use the Chime mobile app or log in to your account at
  • Go to Settings, Account Settings and turn off Allow transactions. This feature immediately prevents new purchases and ATM transactions on your Chime Visa Debit Card account and/or Chime Credit Builder Secured Visa Credit Card.
  • Contact us immediately in one of these ways:
    • Call us at 1-844-244-6363
    • Use the Chime mobile app to contact our support team

Is Chime a bank?

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

Chime creates financial products in full partnership with our partner banks, which are subject to the same oversight and regulations that traditional banks and their offerings face.

Chime members’ deposits sit in fully FDIC-insured accounts and are subject to the same Reg E and other rules and regulations, and go through Know Your Customer, just like traditional banks.

Where can I find legal agreements related to my Chime account(s)?

Please see the Chime Policies page for more information on the terms and conditions of our various account types and features.

How do I get in touch with Chime?

To best serve the evolving needs of our members, we are continuing to add more convenient and simple ways to reach our team. In addition to 24/7 live support, the Chime app offers several self-service options. Contact us in one of these ways:

  • Call us at 1-844-244-6363
  • Use the Chime mobile app to contact our support team

Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Please see the back of your Card for its issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

Third-party trademarks referenced for informational purposes only; no endorsements implied.

Third-party trademarks referenced for informational purposes only; no endorsements implied.

1 You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

2 Chime received the highest 2022 Qualtrics® NPS score.

3 Information from the FDIC’s “Facts for Depositors, Creditors, and Borrowers” as of July 21, 2023:

Address: 101 California Street, Floor 5, San Francisco, CA 94111, United States.

No customer support available at HQ. Customer support details available on the website.

© 2013-2024 Chime Financial, Inc. All rights reserved.