Chime
About Chime
Chime Financial, Inc. is one of the largest and fastest-growing financial technology companies in the United States, offering a full suite of digital banking products designed to make banking more accessible, transparent, and affordable for everyday Americans. Founded in 2012 by Chris Britt and Ryan King in San Francisco, California, Chime was built on a simple but powerful premise: basic banking services should be helpful, easy, and free. Unlike traditional banks, Chime charges no monthly fees, no overdraft fees, and no minimum balance requirements. The company went public in early 2025, trading on the Nasdaq Stock Exchange under the ticker symbol CHYM. Chime is led by Co-Founder and Chief Executive Officer Chris Britt, who has helmed the company since its inception. For full year 2025, Chime reported $2.2 billion in revenue — representing 31% year-over-year growth — while serving 9.5 million active members, and expects to achieve full GAAP profitability in 2026. Chime’s corporate headquarters is located at 101 California Street in San Francisco’s iconic Financial District.
Quick Information
Industry
Financial Technology (Fintech) — Digital Banking & Neobank
Founded
2012, San Francisco, California
Number of Employees
Approximately 1,500+ employees across all locations
Corporate Office Hours
Monday to Friday, 9:00 AM – 5:00 PM Pacific Time for corporate operations. Customer Member Services are available 24 hours a day, 7 days a week.
support@chime.com
Website
www.chime.com
Contact Page
help.chime.com
Careers Page
careers.chime.com
Products & Services
Chime offers a growing lineup of fee-free financial products powered by its own proprietary banking infrastructure, built for Americans who want straightforward, modern banking without the hidden costs. Their full range of products and services includes:
- Chime Checking Account — a fee-free spending account with a Chime Visa Debit Card, no monthly fees, no minimum balance, and access to over 60,000 fee-free ATMs through the Allpoint and MoneyPass networks
- Chime Savings Account — a high-yield savings account with no fees and the option to automatically round up transactions to the nearest dollar and save the difference
- SpotMe — an overdraft protection feature that allows eligible members to overdraft up to $200 on debit card purchases and cash withdrawals without fees
- Chime Credit Builder — a secured credit card with no annual fee, no interest charges, and no minimum deposit requirement, designed to help members build credit history safely
- MyPay — an early wage access feature that allows members to access up to $500 of their earned wages before payday with no mandatory fees
- Direct Deposit — the ability to receive paychecks up to two days early through Chime’s early direct deposit feature
- Pay Anyone — a free peer-to-peer payment service for sending money instantly to other Chime members or anyone with a U.S. bank account
- Chime Enterprise — a B2B channel that enables employers to offer Chime financial products to their employees as a workplace benefit
- Chime Core — the company’s fully in-house proprietary banking infrastructure stack, launched in 2025, giving Chime direct control over its core banking operations
- Automatic Savings Tools — round-up savings and automatic savings rules that help members save money effortlessly on every purchase
Corporate Phone Numbers
Member Services Number
1-844-244-6363 — main toll-free customer service line for all account inquiries, transaction disputes, card questions, and general support. Available 24 hours a day, 7 days a week.
Additional Support Line
1-844-312-1036 — secondary member support number available for general account and service inquiries.
Corporate Fax
Contact through official help portal at help.chime.com for document submission and formal correspondence.
How to Reach a Real Person at Chime
The fastest way to speak with a live Chime representative is to call 1-844-244-6363. Chime’s Member Services team is available 24 hours a day, 7 days a week — one of the most accessible support windows in the fintech industry. When the automated system connects, listen to the options and press the number that best matches your concern, or say “representative” to be routed to a live agent. Because Chime operates primarily as a digital-first platform, wait times are typically shortest in the early morning hours between 6:00 AM and 9:00 AM PT.
You can also reach a live Chime agent through in-app chat by opening the Chime app, tapping your Profile, selecting Help Center, and tapping Chat. In-app chat is often the fastest option for straightforward account issues such as transaction questions, card issues, and SpotMe inquiries, as the agent can view your account in real time while chatting. For dispute claims involving unauthorized transactions, Chime recommends filing through the app dispute section first, as this initiates the official investigation immediately.
Chime Headquarters & Corporate Office Address
Chime Financial, Inc. operates its corporate headquarters at 101 California Street in San Francisco’s Financial District — an iconic 48-story Philip Johnson-designed skyscraper in the heart of downtown. Chime moved into its headquarters offices in 2022 after signing a lease for approximately 192,000 square feet across six floors of the building. The San Francisco campus serves as home to Chime’s executive leadership, product, engineering, design, marketing, and corporate functions
Chime Financial, Inc. — Corporate Headquarters
101 California Street, Suite 500
San Francisco, California 94111
United States
Chicago Office
333 N Green Street
Chicago, Illinois 60607
United States
New York City Office
101 Greenwich Street
New York, New York 10006
United States
For formal written correspondence and legal documents directed to Chime’s corporate team, use the San Francisco headquarters address above. Include your full name, account details, return contact information, and a clear subject line with all written correspondence.
How to File a Complaint Against Chime
Step 1 — Contact Chime Member Services
The first step is to call Chime’s 24/7 Member Services line at 1-844-244-6363 or open an in-app chat session through the Chime app. Clearly describe your complaint, provide your account information, and explain the issue and the resolution you are seeking. Ask the representative to formally log your complaint and provide a case reference number. Most account disputes, unauthorized transaction claims, and billing errors are initiated and investigated at this stage.
Step 2 — File a Dispute Through the Chime App
For transaction-related complaints including unauthorized charges, fraud, or goods and services not received, log into the Chime app and navigate to the transaction in question. Select the dispute option and submit your claim with a detailed description and any supporting evidence. Chime will open a formal investigation and typically provides provisional credit within 10 business days while the investigation is ongoing.
Step 3 — Email the Support Team
For a written record of your complaint, email Chime’s support team at support@chime.com. Include your full name, account email, a description of the issue, reference numbers from any previous contacts, and any supporting screenshots or documentation. Email responses are typically received within 1 to 3 business days.
Step 4 — Escalate to the Corporate Office
If your complaint has not been resolved through Member Services, send a formal complaint letter to Chime Financial, Inc., 101 California Street, Suite 500, San Francisco, California 94111. Clearly outline the issue, document all previous resolution attempts, attach all supporting evidence, and state the specific outcome you are requesting.
Step 5 — File a Complaint With the CFPB
File a formal complaint with the Consumer Financial Protection Bureau at www.consumerfinance.gov/complaint. The CFPB has authority over financial technology companies that offer banking products and requires companies to respond to complaints within 15 calendar days. Filing a CFPB complaint creates an official federal record and often accelerates Chime’s internal resolution process significantly
Step 6 — File a BBB Complaint
File a public complaint with the Better Business Bureau at www.bbb.org. Chime Financial, Inc. is registered with the BBB and a public complaint typically prompts a corporate response within 14 days.
Step 7 — Contact Your State Financial Regulator
If your complaint involves significant financial harm that remains unresolved, contact your state’s Department of Financial Institutions or Banking Division. State financial regulators can investigate complaints against Chime and apply regulatory pressure to ensure your issue is properly addressed.
