What exactly is the CHIME* charge on my statement?

The CHIME* charge is the billing descriptor used by Chime Bank when processing transactions, transfers, or fees through their platform. It typically indicates account activity you or an authorized user initiated.

Why does the charge say CHIME* instead of 'Chime Bank'?

Payment processors often truncate merchant names. Chime Bank's transactions appear as CHIME* on statements because of character limits imposed by card networks like Visa and Mastercard.

Can I get a refund for a CHIME* charge?

Yes — contact Chime Bank support at 1-844-244-6363 or via in-app chat. If the CHIME* charge was an error or unauthorized, Chime Bank will investigate and issue a refund if warranted.

How do I close my Chime Bank account to stop future charges?

To close your Chime Bank account, go to Settings in the Chime app, select 'Close Account,' and follow the prompts. Ensure your balance is $0 before closing to avoid complications.

How do I stop unexpected CHIME* charges in the future?

Regularly audit your Chime Bank account activity, disable any automatic transfer features you don't use, and set up transaction alerts so you're notified of every CHIME* charge as it happens.

Home›Browse Charges›Banking›CHIME*

CHIME* Charge (What It Is + Is It Legit?)

✓ Legitimate

The "CHIME*" charge is from Chime Bank. Chime digital banking charge.

🌍 US🕐 7 min read📅 Updated May 22, 2026

Chime Bank

Chime digital banking charge.

CHIME*

What is this charge?

Chime Bank uses the truncated descriptor "CHIME*" on bank statements because payment processing networks like Visa and Mastercard enforce strict character limits on merchant billing descriptors, typically capping them at 22 characters or fewer. The asterisk following "CHIME" is a standard separator used by these networks to distinguish the merchant name from any additional transaction details, such as a reference number or service type, that may follow it. If you see "CHIME*" on your statement, it is almost certainly a legitimate charge tied to your Chime digital banking account, whether from a fee, a linked service, or a transaction processed through their platform.

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How to handle this charge

Log Into Your Chime Account

Visit chime.com and log into your account to review your recent transaction history. Look for the CHIME* charge and confirm it matches a fee, transfer, or service activity associated with your Chime digital banking account.

Review Your Chime Account Activity

Inside your Chime account dashboard, check for any recent account actions such as transfers, SpotMe usage, or Chime Credit Builder activity that may correspond to the CHIME* charge appearing on your bank statement.

Manage or Cancel Chime Services

If you no longer want the Chime service or feature generating the charge, go to chime.com/account to review your account settings, manage linked services, or close your Chime account if needed.

Contact Chime Support Directly

If you recognize your Chime account but cannot identify what specifically caused the CHIME* charge, reach out to Chime Bank's customer support through chime.com to get a detailed explanation of the transaction before taking any further action.

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Quick fraud check

No, this is a legitimate charge from Chime Bank. However, if you did not authorize this charge or cancelled your subscription, you may be eligible for a refund.

Is the CHIME* Charge Legitimate or Fraud?

A CHIME* charge on your bank or credit card statement is almost always a legitimate transaction associated with Chime Bank, a popular fee-free online banking platform. This descriptor appears when Chime Bank processes a transaction, account activity, or a linked service on your behalf. Common legitimate reasons you might see CHIME* include:

A transfer or payment initiated through your Chime Bank account
A Chime Credit Builder card transaction posting to your statement
An instant transfer fee charged by Chime Bank for expedited fund transfers
A linked external account being debited or credited via Chime Bank's platform

How to Verify the CHIME* Charge

1
Log into your Chime Bank account
Open the Chime Bank mobile app or visit chime.com and review your recent transaction history to match the CHIME* charge amount and date.
2
Search your email for Chime Bank receipts
Search your inbox for emails from Chime Bank (no-reply@chime.com) around the date of the CHIME* charge to find a matching transaction confirmation.
3
Check if a household member used Chime Bank
Ask family members or housemates whether they initiated a Chime Bank transfer or used a shared Chime account that could have generated the CHIME* charge.
4
Review any Chime Credit Builder activity
If you have a Chime Credit Builder card, check whether the CHIME* charge corresponds to a recent purchase or security deposit movement on that card.
5
Contact Chime Bank support directly
Reach Chime Bank's 24/7 support at 1-844-244-6363 or through in-app chat and provide the exact CHIME* charge amount and date for clarification.

How to Dispute a CHIME* Charge

1
Act within 60 days of the charge
Most card issuers require disputes to be filed within 60 days of the CHIME* charge appearing on your statement, so act quickly to protect your rights.
2
Contact Chime Bank first
Before escalating, reach out to Chime Bank via in-app chat or call 1-844-244-6363. Provide the CHIME* charge details — Chime can often resolve billing errors faster than a chargeback.
3
File a chargeback with your card issuer
If Chime Bank does not resolve the issue, contact the bank that issued the card showing the CHIME* charge and formally request a chargeback, citing the unauthorized or erroneous transaction.
4
Request a new card number
If the CHIME* charge appears fraudulent and your card details may be compromised, request a replacement card from your issuer to prevent further unauthorized transactions.

Tips for Managing Chime Bank Charges

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Enable Chime Bank push notifications to get instant alerts every time a CHIME* transaction posts to your account.

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Keep a log of all Chime Bank transfers so you can quickly match any CHIME* charge on your external statement.

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Secure your Chime Bank account with a strong, unique password and enable two-factor authentication to prevent unauthorized CHIME* charges.

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Note that Chime Bank's instant transfer fees typically post as CHIME* within 1–2 business days — factor this into your budget.

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Chime Bank accounts are FDIC-insured up to $250,000 — report any suspicious CHIME* charge immediately to stay protected.

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Use WhatIsThisCharge.net to identify any related or unfamiliar charges that appear alongside CHIME* on your statement.

ℹ️ Note

In most cases, a CHIME* charge is a completely normal transaction from Chime Bank — typically reflecting a money transfer, Credit Builder card purchase, or instant transfer fee that you recently initiated. If the amount and date match your Chime Bank activity, there is no cause for concern.