What is "CHIME" on my bank statement?

CHIME is usually a legitimate transaction from Chime, the digital banking app and financial services company.

Merchant: Chime | Category: Financial Services

What Is This Charge?

A charge from Chime reflects a transaction tied to Chime, the U.S. financial technology company founded in 2013 that offers checking, savings, debit cards, and credit-building products. Chime does not operate retail stores, so there is no store count to track, and the charge usually comes from an app-based banking service rather than a physical merchant. Chime is a financial services company, and statement entries often appear when a customer uses a Chime debit card, receives a fee, or moves money through a Chime account. A Chime descriptor can also appear when a transfer, card purchase, or account adjustment is processed through Chime’s payment network.

Why Does This Charge Appear on My Statement?

A Chime charge appears when you use a Chime debit card for a purchase, cash withdrawal, or ATM transaction. It can also appear when Chime posts a fee, reverses a pending authorization, or processes a transfer connected to your account. Some customers see a Chime entry after adding money, sending money, or using a merchant that routes the payment through Chime’s banking platform. If you opened a Chime account, activated a debit card, or used Chime SpotMe, the statement line can reflect one of those account events.

Typical Charge Amounts

Most Chime card purchases match the exact purchase amount, such as $4.75 for coffee or $62.18 for groceries. ATM fees can appear as $2.50, $3.00, or $5.00, depending on the machine and network. Some account-related fees or adjustments can post as $0.01, $1.00, or $15.00 when a transaction is verified, reversed, or corrected. If a merchant places a temporary authorization hold, the pending amount can be $1.00, $25.00, or the full purchase total before the final charge settles.

Common Variations

CHIME* CHIME BANK CHIME.COM CHIME DEBIT CHIME CARD CHIME*TRANSFER CHIME*ATM CHIME*PAY CHIME 800-xxx-xxxx CHIME AUTH HOLD CHIME POS 1234 CHIME WEB PAYMENT

Is This Charge Legitimate?

A Chime charge is usually legitimate if you recently used a Chime debit card, logged into the Chime app, or approved a transfer in the Chime mobile app. Check the Chime app first, because the app often shows the exact card transaction, transfer, or fee that matches the statement line. Verify the merchant details at https://www.chime.com and review your account activity in the Chime app before assuming fraud. If you do not recognize the charge, call Chime support through the app or use the official help center at https://help.chime.com to confirm whether the entry is a real account event.

How to Dispute or Cancel

1. Open the Chime app and find the transaction details, because the app can show whether the charge is pending, completed, or reversed. 2. If the charge is unauthorized, report it to Chime support immediately through the app or the official help center at https://help.chime.com. 3. If the charge came from a merchant purchase, contact the merchant directly and ask for a refund or cancellation confirmation before filing a bank dispute. 4. If the issue is still unresolved, file a dispute with your bank or card issuer at the same time and save screenshots, dates, and amounts for proof. Chime’s support resources are available online, and the official website is https://www.chime.com.

Frequently Asked Questions

Why does my Chime charge show as CHIME*?

CHIME* usually means the transaction was processed through Chime’s payment system or card network. The asterisk is a common descriptor format that banks use to show a merchant or service name, and it often appears before the final posted text is fully standardized. Check the Chime app for the exact transaction date, amount, and status, because the app will usually match the statement line.

How do I cancel my Chime subscription?

Chime is not a subscription service in the usual sense, so there is no monthly membership to cancel. If you want to close a Chime account, open the Chime app, contact support through the app, and ask for account closure instructions. Before closing, move out your balance, cancel any linked direct deposits, and remove the Chime card from any merchants that store it.

Why is my Chime charge a different amount than expected?

A Chime charge can differ from the expected amount because of a temporary authorization hold, an ATM fee, or a merchant adjustment after the final settlement. For example, a gas station may authorize $1.00 or $50.00 first, then post the final fuel amount later. If the amount still looks wrong after settlement, review the transaction in the Chime app and contact support.

Can I get a refund for a Chime debit card purchase?

Yes, if the charge was a merchant purchase and the merchant agrees to refund it, the money usually returns to the same Chime-linked card or account. Ask the merchant for a refund receipt, keep the date and amount, and then watch the Chime app for the credit. If the merchant refuses or the charge is unauthorized, start a dispute with Chime and your bank.

Is Chime a bank or a financial app?

Chime is a financial technology company, not a traditional brick-and-mortar bank with branches. It offers banking-style services such as checking, savings, debit cards, and direct deposit through its app and partner banking infrastructure. That is why a statement line can look like a bank charge even when it comes from an app-based account.

Similar Charges

  • CHIME*
  • CHIME BANK
  • CHIME.COM
  • CHIME DEBIT
  • CHIME CARD

Related Charges

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