Chime is a financial technology company, not a bank. Banking services 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

Chime’s trust and safety mission

Chime was founded on the idea that basic banking services should be helpful, easy, and free. For more than a decade, Chime has led the way to make banking better, and we’re proud to be the #1 most loved banking app2 because of the trust our members place in us.

In return, we make member security a top priority. We do this by protecting members’ money, regularly testing our security controls, and including easy-to-use safety features in the Chime app.

Members’ money:
 protected

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.

Fraud reporting

Notice suspicious activity? Account access problems? Members can contact our customer service experts 24/7 directly in the app or with a phone call. Our team is standing by to help.

Visa® Zero Liability

Chime cards are backed by Visa’s Zero Liability Policy.1 Members can shop worry-free at millions of locations, knowing they’re not responsible for unauthorized charges if their Chime Visa® Debit Card or Chime Credit Builder Secured Visa® Credit Card is lost, stolen, or fraudulently used, online or offline. Members should contact Chime right away if they notice an unauthorized charge.

FDIC insurance

Deposits are FDIC-insured up to $250,000 through Chime’s bank partners, The Bancorp Bank, N.A. or Stride Bank N.A.; Members FDIC. FDIC insurance protects you against losing insured funds if a bank fails, not against issues like fraud.3

How does the FDIC work?

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.

Security frameworks

Our security program is independently audited and based on industry frameworks like NIST CSF, ISO 27001, PCI-DSS and SOC2. We maintain up-to-date security certifications from third party auditors.

Teams of experts

Our dedicated Risk, Member Experience, and Security teams adopt the latest technologies and staff industry leaders to stay one step ahead. Chime’s Security Engineering team has developed custom software shared broadly in the security community.

Learn about Monocle

Leading infrastructure

Chime is built on the same cloud infrastructure trusted by other leading tech companies, government organizations, and financial institutions to help ensure we limit downtime and provide reliable access to accounts.

Chime account safety:
 easy as 1-2-3

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

Custom alerts

Members can turn on daily balance updates and instant transaction notifications in the app to know when their Chime card is used. These notifications help members know what’s happening with their money.

Identity verification

App protection at login. Chime has enabled the use of Face ID, two-factor, and fingerprint authentication, with the aim of ensuring that only authorized members have access to their account information.

Card blocking

Card missing? See suspicious activity? Members can open the Chime app to instantly block their card and prevent new debit or credit card purchases and ATM withdrawals.

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Get help

Safety
 FAQs

Have questions?

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

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

Need help with a Chime account?

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

FAQs

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 www.chime.com.
  • 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

Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is 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 cards are accepted. The Chime Visa® Credit Builder Card and the Chime Visa® Cash Rewards Card are 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.

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 an external website. The privacy policies of the external website may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing any personal.

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: https://www.fdic.gov/consumers/banking/facts/

© 2013-2023 Chime. All Rights Reserved.