Chime Customer Care Number: How to Reach a Live Agent and Get Fast, Secure Help

The official Chime customer care number

The verified customer care number for Chime is 1-844-244-6363. If you are dialing from outside the United States, use +1-844-244-6363. This is a toll-free U.S. number; however, international carriers may apply roaming or long-distance charges when calling from abroad.

Call this number for account access issues, card problems (lost, stolen, or not working), transaction questions, dispute initiation, account security concerns, and assistance with direct deposits or bank transfers. As of 2025, members typically report rapid connection times during early mornings (7:00–10:00 a.m. local time) and late evenings on weekdays. If you cannot wait on hold, use the in-app chat to request a callback where available.

For reference, the official website is www.chime.com. When in doubt, confirm the number listed above within the app (Profile → Support) or via the Help Center at help.chime.com to avoid spoofed numbers.

What to have ready before you call

Preparing a few details in advance speeds up verification and resolution. Chime phone agents will never ask for your full debit card PIN or one-time 2‑factor authentication code sent by SMS/email; they will, however, need to confirm your identity. Having the right information at hand usually shortens calls by several minutes and helps agents find the correct transaction or transfer in their system.

If your issue involves a specific payment, take a quick screenshot in the app (Transactions → tap the item) so you can read the exact amount, date, merchant descriptor, and reference ID. For card issues, note whether the physical card is present, misplaced, or stolen, and whether you have already locked it in the app (Settings → Card Management → Lock).

• Your full name as it appears on your account and the email/phone number registered with Chime.
• Last 4 digits of your Chime debit card (if applicable) and the last 4 of your SSN for identity verification.
• Transaction details: amount (USD), post date, merchant name/descriptor, and any dispute reason (e.g., “card not present,” “duplicate charge,” “service not received”).
• Deposit or transfer details: employer/payroll processor name, ACH trace number if available, and the date you expected funds (ACH typically 1–3 business days).
• Device/account info for login problems: phone model/OS version, error messages, and the time the issue started.

When to call vs. use in‑app chat or email

Call 1-844-244-6363 immediately for urgent matters such as a lost or stolen card, suspected account takeover, or unauthorized transactions you did not make. A phone conversation can expedite security holds, card deactivation, and time-sensitive dispute steps.

For non-urgent questions—such as updating personal information, clarifying posted vs. pending transactions, or understanding transfer timelines—consider using in‑app chat (open the Chime app → Profile → Support/Chat). Many members find chat resolves routine requests in under 10 minutes, and you have a written record of instructions. You can also consult help.chime.com for step‑by‑step articles or email [email protected] if you prefer asynchronous communication (include your full name and the phone number tied to your account).

If you believe you were targeted by a phishing attempt (suspicious email, SMS, or call), do not reply or click links. Forward the message details to [email protected] and then call the customer care number to report it; the team can place additional monitoring on your account.

Reporting fraud, card loss, or suspicious activity

Open the app and toggle Lock on your debit card immediately if it’s lost or stolen (Settings → Card Management → Lock). Then call 1-844-244-6363 to report the issue, confirm recent activity, and request a replacement card. If you see a transaction you don’t recognize, note whether it is still “pending” or “posted.” Pending transactions can sometimes be stopped by the merchant; posted transactions require a formal dispute.

Under U.S. Regulation E (Electronic Fund Transfer Act), your liability for unauthorized debit card transactions depends on how quickly you report: within 2 business days, your liability is capped at $50; within 60 days of your statement being made available, up to $500; after 60 days, liability can be unlimited. This is why calling right away matters. Financial institutions generally have 10 business days to investigate and may take up to 45 days for more complex cases; for new accounts, provisional credit may take up to 20 business days. Keep your contact info up to date so you receive investigation updates.

If you suspect someone has access to your login, change your password, enable two‑factor authentication, and review authorized devices in your app. Then contact Chime by phone to add additional safeguards and monitor for recurring patterns.

Escalation paths, timelines, and what to expect

Resolution time depends on the issue type. Card replacement typically ships within a few business days once verified; expedited shipping can be requested when available. ACH transfers generally settle in 1–3 business days; employer direct deposits often arrive 1–2 days early when the employer sends payroll files early, but timing varies by employer and processor. For disputes, you will receive confirmation of your claim and an estimated timeline; maintain copies of receipts, cancellation confirmations, or correspondence to strengthen your case.

If your issue requires a formal complaint or supervisory review, ask the agent to note your file and provide a case number before ending the call. Save that number; it lets any future agent pull up your history instantly. If you do not receive an update by the date promised, call again with the case number for status.

• Card lost/stolen: lock card in‑app immediately; call 1-844-244-6363; replacement typically dispatched within a few business days.
• Unauthorized transaction: report as soon as noticed; provisional credit is commonly issued within 10 business days (up to 20 for new accounts), with final resolution potentially up to 45 days.
• ACH or bank transfer delays: verify the trace/confirmation with the sender; most ACH items post in 1–3 business days; weekends and federal holidays do not count as business days.
• Direct deposit timing: depends on employer payroll file submission; if a deposit is missing on the expected date, gather the ACH trace from payroll and contact Chime support for a locate.

Security checks and how to confirm you’re speaking with Chime

Only use the number 1-844-244-6363 and the domain chime.com. Fraudsters often use look‑alike numbers or websites. Before sharing any personal info, ask the agent to confirm your name as it appears on file and your recent activity (e.g., last login time) that only the real support team would know. Never read back one‑time passcodes sent to your phone or email; legitimate agents will not ask for them.

Chime will not request remote access to your device or ask you to transfer funds to “test” accounts. If a caller pressures you to act immediately, hang up, open your Chime app, and use the Support tab to start a fresh call or chat. When you email [email protected] about a security issue, keep details factual and brief, and follow up by phone for real‑time guidance.

For your records, document the date and time of your call, the agent’s first name (or ID), and the case number. This provides a clear history if you need to escalate or reference prior advice.

Quick reference

Chime customer care (U.S.): 1-844-244-6363 (from abroad: +1-844-244-6363). Official site: www.chime.com. Help Center: help.chime.com. Email (general support): [email protected]. Keep your app updated to the latest version for the most accurate Support options and faster verification.

If you cannot place a call, use in‑app chat to request help, start a dispute, or obtain your case number in writing. For time‑sensitive security issues, prioritize the phone line and lock your card in the app first.