Why You're Seeing "CHIPOTLE*" on Your Bank Statement
Why You're Seeing "CHIPOTLE*" on Your Bank Statement
A charge labeled CHIPOTLE* on your bank statement comes from Chipotle Mexican Grill, the popular fast-casual restaurant chain. This charge typically appears when you place an online food order through Chipotle's website or mobile app. The asterisk following the descriptor is commonly used by payment processors to indicate a digital or card-not-present transaction. If you've recently ordered a burrito bowl, tacos, or any other Chipotle menu item for pickup or delivery, this charge is the expected payment for that order.
The CHIPOTLE* descriptor appears on your bank statement because Chipotle's payment processing system uses a shortened version of the company name combined with an asterisk to flag online and app-based transactions. Payment processors often truncate merchant names to fit within the character limits imposed by banking statement systems. The asterisk specifically signals that the purchase was made through a digital channel, such as the Chipotle app or website, rather than an in-person card swipe at a restaurant location.
Is the CHIPOTLE* Charge Legitimate or Fraud?
A CHIPOTLE* charge on your bank or credit card statement is almost always a legitimate transaction from Chipotle Mexican Grill, one of the largest fast-casual restaurant chains in the US. This descriptor appears when you pay in-store, through the Chipotle app, or via the Chipotle website for delivery or pickup orders. If you don't immediately recognize it, consider these common reasons the charge may appear:
- You or a family member placed an online or in-app order through the Chipotle website or mobile app
- You used the Chipotle Rewards program and made a purchase at a Chipotle location
- You ordered Chipotle delivery through the Chipotle app, which processes payment directly under the CHIPOTLE* descriptor
- A saved payment method on your Chipotle account was used for a scheduled or repeat order
How to Verify the CHIPOTLE* Charge
- 1
Check your Chipotle account order history
Log into your Chipotle account at chipotle.com or open the Chipotle app and navigate to your order history to match the charge amount and date.
- 2
Search your email for Chipotle receipts
Search your inbox for emails from Chipotle (no-reply@chipotle.com) containing order confirmations or receipts that match the CHIPOTLE* charge on your statement.
- 3
Check with household members
Ask family members or roommates if they used a shared card to order from Chipotle in-store, online, or through the Chipotle app recently.
- 4
Review saved payment methods
Check if your card is saved in a Chipotle account you may have forgotten about â someone else in your household may have used it for a Chipotle order.
- 5
Contact your bank for details
If you still can't identify the CHIPOTLE* charge, call the number on the back of your card and ask your bank for the exact transaction date, amount, and location.
How to Dispute a CHIPOTLE* Charge
- 1
Act within 60 days
Most banks require you to dispute an unrecognized CHIPOTLE* charge within 60 days of the statement date, so don't delay if something looks wrong.
- 2
Contact Chipotle customer service first
Reach out to Chipotle directly at chipotle.com/contact or call 1-800-CHIPOTLE to report a billing issue â they can often resolve duplicate or incorrect charges quickly.
- 3
File a chargeback with your bank
If Chipotle cannot resolve the issue, contact your bank or credit card issuer to file a formal dispute for the CHIPOTLE* charge and provide any supporting documentation.
- 4
Request a new card if fraud is suspected
If you believe the CHIPOTLE* charge is the result of card fraud or a data breach, ask your bank to cancel your card and issue a new one with a different number.
Tips for Managing Chipotle Charges
Enable bank transaction alerts so you're notified immediately whenever a CHIPOTLE* charge posts to your account.
Always save your Chipotle order confirmation emails to easily match them against CHIPOTLE* charges on your statement.
Use a strong, unique password for your Chipotle account to prevent unauthorized orders appearing as CHIPOTLE* charges.
Check your statement around days you frequently order Chipotle â charges may post 1-2 days after the actual order date.
Remove unused saved cards from your Chipotle account to reduce the risk of unexpected CHIPOTLE* charges.
Use WhatIsThisCharge.net to identify related charges that may appear alongside CHIPOTLE* on your statement.
Frequently Asked Questions About the CHIPOTLE* Charge
âšī¸ Note
In most cases, a CHIPOTLE* charge is simply a legitimate purchase from Chipotle Mexican Grill â whether you grabbed a burrito in-store or placed an online order through the Chipotle app. A quick check of your Chipotle order history is usually all it takes to confirm the charge.
đ Decode this charge instantly
Search our database for CHIPOTLE* and similar charges.
Decode CHIPOTLE* âWas this article helpful?