How To Get A Refund From Chime

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How To Win A Chime Dispute And Get Your Money Back

Chime is a financial tech company that offers online services you can find at any local bank, such as checking and saving accounts. Chime serves as an alternative to banking, as the company isn’t regulated and monitored by the federal government. Chime has over 14 million customers, with 9 million customers using Chime as their primary or sole bank account.

Though if you’re not satisfied with Chime or you’re looking to get money back into your Chime account, what options do you have? Fortunately, we at can show you some solutions depending on your situation.

Can You Get A Refund From Chime?

Chime has a statement about refunds on the company website. Basically, Chime isn’t responsible for handing out refunds unless in light of scams or fraudulent charges. Chime deems that the merchant should be responsible for issuing refunds for purchases on goods and services. So for example, if you rented a property on Airbnb, you should refer to your Airbnb host or Airbnb customer service before you resort to getting help from Chime.

Can I Dispute A Transaction On Chime?

You can dispute any transaction on your Chime statements in 2 different ways.

In the Chime app on your mobile device, simply navigate to the “View Transactions” menu, then tap on the troubled transaction in question and select “Problem with this transaction?”. You should be prompted to give information about this transaction. If you prefer to call Chime customer service about the transaction in question, you can do so at (844) 244-6363. Click here to learn more about disputing a transaction and what you need to help Chime make a decision about the transaction in your favor.

How Do I Withdraw Money From My Chime Account?

If you’re looking to get money back from your Chime account, the best way to do this is to transfer the money to another bank account. If you have another bank account such as from Citizens Bank or Fifth Third Bank, Chime can put all the money into the new account within 3 business days, not mentioning your new bank’s transfer policies.

Here’s how to transfer your money from anywhere:

  1. Open the Chime mobile app on your smart device.
  2. Tap on “Move Money”.
  3. Tap on “Transfers”.
  4. Choose the bank you’re a customer of.
  5. Enter your new bank details such as account number and routing number.
  6. Enter how much money to transfer (in this case, all of it).
  7. Confirm the transfer.

When you no longer have any money in your Chime account, and you don’t have a negative balance, you are free to close it.

Can’t I Withdraw All The Money From My Chime Account Instead?

Some customers might have crafty ideas for how to get money out of a Chime account, but we strongly discourage trying to withdraw all the money.

Here’s a rundown of Chime withdrawals:

  • Customers can only withdraw $515 per day.
  • If you request a cash withdrawal from a credit union or local bank, this $515 daily limit is upheld.
  • Chime charges you $2.50 every time you withdraw from an out-of-network ATM, and the ATM owner may impose a fee for the withdrawal as well.

If you have a lot of money in your account, making daily withdrawals will take a very long time. It’s more doable if you only have perhaps a few thousand dollars in the account and can make withdrawals at an in-network ATM, such as at Walgreens.

What Happens If I Close My Chime Account With Money Still In It?

If you close your Chime account and still have money in it, Chime will mail you a check of the remaining balance. Chime advises to do a bank transfer before closing your account first, though, as it can take up to 30 days for your check to arrive in the mail.

Here’s a comparison of the 3 ways you can get money from your Chime account:

MethodDays Needed
Bank money transferUp to 3
Close account / Mailed checkUp to 30

As you can see, doing a bank transfer is the quickest way to get all your money out of your Chime account and still in your possession. If you don’t have another bank account, we suggest opening one to make this transfer possible.

How To Get A Chime Refund With can step in, in the event Chime doesn’t make any effort to help you. We won’t contact Chime, but rather reach out to your other bank so they can sort out the refund instead. Chime has no say in this process, so the bank would have the ultimate say. To request your refund, take our 4-step plan into account:

  1. Sign up to on the website or mobile app.
  2. Explain what happened with you and Chime.
  3. Read the professional letter crafted by our AI companion as well as the appended reason code necessary for your refund to happen.
  4. Wait for a decision as we mail the letter to your bank for consideration.

And there you go! Asking for a refund from a global company has never been easier than this. If your bank approves your refund, expect the chargeback to reach your bank account in up to less than a week.

How Do I Contact Chime?

Chime’s customer service team can be reached in one of multiple ways. Here’s how you can get a hold of a Chime representative for any reason:

  • Call Chime at (844) 244-6363.
  • Chat with a Chime representative on the Chime mobile app.
  • Email Chime’s customer service team at
  • Send Chime a DM at X, Instagram, or Facebook.

There isn’t necessarily a right or wrong contact method from this bunch, so feel free to choose the method you are most comfortable with.

How Much Time Does Chime Take To Give Refunds?

If Chime grants your refund request, it will take up to 5 business days for your money to return to your Chime account. If 5 days have passed and the refund hasn’t arrived yet, Chime suggests contacting the merchant. There is always the chance of a delay on the merchant’s end to get the refund process going, so the five-day period relies on when this refund process begins.

What Are Some Downsides Of Using A Chime Bank Account?

Chime claims to not be a bank, but a tech company with banking features found in common banks. With that said, there are things to expect when managing an account with Chime, either for better or worse.

Firstly, Chime is not ideal for cash deposits. If you want to deposit paper money at a participating ATM, Chime might impose a fee due to the nature of the money you’re depositing. Of course, this isn’t the case with a typical bank like Bank of America.

Secondly, Chime isn’t compatible with foreign currencies. Chime currently can handle US dollars, and this could cause problems if you do business online or overseas. Chime does manage cryptocurrencies however, such as Bitcoin (BTC) and Ethereum (ETH).

Finally, Chime has no physical locations, and thus, there’s no face-to-face customer service if you need help. Every transaction requires an internet connection, which might turn many customers off if app-based or mobile banking is still a new concept to them. Is Hard To Resist

Aside from Chime, PayPal, Venmo, and similar personal finance sites, can help you get your money back in spite of companies with lackluster customer support. You can request your refund in a moment’s notice, whether you’re at your desktop or on the go.

Sign up for your account today and see how refunds work when it comes to other companies and brands.

DatingTinder refundHinge refundBumble refundPlenty of Fish (POF) refundGrindr refund
EntertainmentOnlyFans refundAudible refundTicketmaster refundDisney refund
FinanceVenmo refundZelle refundPayPal refundCashApp refundAffirm refund
Food/ GroceryDoordash refundInstacart refundGrubhub refundUberEats refundDomino’s refund
GamingRoblox refundRiot refundPlayStation refundXbox refundNintendo refund
Online ServiceGrammarly refundAmazon refundShopify refundLyft refundChegg refund
Streaming/ TechNetflix refundSpotify refundHulu refundApple refundYouTube refund
TravelFrontier Airlines refundDelta Airlines refundUnited Airlines refundAirbnb refundAmtrak refund

Frequently Asked Questions (FAQs)

Can I Get Help With A Chime Refund At A Physical Location?

Chime doesn’t have offices or physical locations. The physical locations that Chime has are company headquarters in San Francisco, Chicago, and Vancouver, Canada. These locations don’t handle customer inquiries, but rather corporate inquiries. Chime customer service can be contacted through phone, social media, or with the live chat client on the Chime mobile app.

Can I Email Chime For A Refund?

Chime’s customer service team has an email address on file, which is You can write to this address if you want a transaction disputed, and you can also share documents and screenshots that may help you in your case. Be sure to not leave out any important details.

How Is Chime Received On Better Business Bureau (BBB)?

After 3,000 customer reviews, Chime currently has a 4.14 out of 5 star rating on the Better Business Bureau (BBB) website. BBB has graded the company an A- BBB rating.

Chime has faced over 16,000 complaints in the past 3 years. Chime has managed to resolve most complaints, with many of them consisting of fraudulent transactions and money withheld by the platform.

What Banks Do Chime Partner With?

Chime uses 2 banks for its banking services: The Bancorp Bank and Stride Bank. These banks make it possible for Chime to create banking accounts and hold money inside of each of them for customers.

What Is Chime’s Routing Number?

Chime uses two routing numbers, one for each bank they partner with: Stride Bank and The Bancorp Bank. Stride Bank’s routing number is 103100195. The Bancorp Bank’s routing number is 031101279. You should be able to find out which of these numbers you have by logging into your Chime account on either your website or mobile app. Once logged in, navigate to your account details where you can spot your account number, routing number, and more.