How to Check Your Chime Account Balance

Welcome to our quick guide on checking your Chime account balance! Keeping a close eye on your finances is a smart way to manage your money effectively, and Chime offers a user-friendly approach to help you do just that. Whether you’re checking your balance to plan your budget or before making a significant purchase, Chime provides simple methods to stay in the know.

In this article, we’ll take you through the various ways you can check your Chime account balance. Whether you prefer using the Chime mobile app, logging into your account online, or visiting an ATM, we’ll cover all the options available to ensure you have a clear understanding of your financial situation.

With Chime, monitoring your account balance is a breeze, empowering you to make informed financial choices. So, let’s dive in and discover the convenient ways to check your Chime account balance!

How to Check Your Chime Account Balance

How to Check Your Chime Account Balance

There are several ways to check your Chime account balance:

  • Online: Log in to your Chime account on the Chime website. Your account balance will be displayed on the home screen.
  • Mobile app: Download the Chime mobile app for iOS or Android. Log in to the app and your account balance will be displayed on the home screen.
  • Phone: Call Chime customer service at (844) 244-6363 and follow the prompts to check your balance.
  • ATM: Insert your Chime debit card into any ATM and select the “Balance Inquiry” option.
  • Monthly statement: Chime will send you a monthly statement with your account balance listed.

Note: If you have pending transactions, they may not be reflected in your account balance immediately.

The Phone Number for Chime Account Balance

The phone number for Chime account balance is (844) 244-6363. You can call this number 24/7 to speak to a Chime customer service representative who can help you check your balance.

To check your balance over the phone, you will need to provide your account number and other personal information. The customer service representative will then be able to tell you your current account balance, as well as any pending transactions.

If you do not want to speak to a customer service representative, you can also check your Chime account balance online or through the Chime mobile app. To do this, log in to your account and navigate to the “Account Details” section. Your account balance will be displayed on this page.

Can I Check My Chime Balance At An ATM?

Yes, you can check your Chime balance at an ATM. To do this, simply insert your Chime debit card into the ATM and select the “Balance Inquiry” option. Your account balance will be displayed on the ATM screen.

Keep in mind that some ATMs may charge a fee for checking your balance. However, Chime offers 60,000+ fee-free ATMs nationwide. You can find a fee-free ATM near you using the ATM finder in the Chime mobile app.

Does Chime Have a Balance Limit?

No, Chime does not have a balance limit. You can store as much money in your Chime Checking Account as you want.

However, there are some limits on how much money you can deposit or withdraw each day and month. These limits may vary depending on your account history and other factors.

Here are the current Chime deposit and withdrawal limits:

  • Daily ATM withdrawal limit:$1,000
  • Daily debit card purchase limit:$10,000
  • Monthly mobile check deposit limit:$10,000

If you need to exceed these limits, you can contact Chime customer service for assistance.

Why is My Chime Balance Negative?

There are a few possible reasons why your Chime balance might be negative:

  • You overdrew your account.This happens when you make a purchase or withdrawal that is greater than the amount of money in your account. Chime may allow overdrafts up to a certain amount, but you will be charged a fee for each overdraft.
  • You used SpotMe.SpotMe is a Chime feature that allows you to make purchases even if you have a negative balance. However, you will need to repay the amount that you borrow, plus a fee.
  • A pending transaction or authorization hold settled for a larger amount. This may happen if you buy gas, reserve a hotel room, or rent a car and the final charge exceeds what the merchant had anticipated when they placed the hold.
  • There was an error with your account.If you think that your negative balance is due to an error, you should contact Chime customer service for assistance.

If your Chime balance is negative, you will need to deposit money into your account to bring it back to a positive balance. You can do this by making a direct deposit, transferring money from another bank account, or depositing cash at a Chime ATM.

Here are some tips for avoiding negative balances on your Chime account:

  • Track your spending.It is important to keep track of your spending so that you know how much money you have available in your account. You can do this by using the Chime mobile app or by setting up a budget.
  • Be aware of your overdraft limit.If you have SpotMe enabled, be sure to check your overdraft limit before making any purchases. You can see your overdraft limit in the Chime mobile app.
  • Set up overdraft alerts.Chime offers overdraft alerts that can notify you when your balance is getting low or if you are over your overdraft limit. You can set up overdraft alerts in the Chime mobile app.

If you have any questions or concerns about your Chime account balance, you can contact Chime customer service for assistance.


Managing your Chime account balance is a simple and essential part of staying in control of your finances. We’ve explored various methods to help you easily access this information, whether through the Chime mobile app, online access, or ATMs.

Regularly checking your Chime account balance empowers you to make informed financial decisions, track your expenses, and ensure you have the funds you need for your financial goals. Chime’s user-friendly approach is designed to give you convenient access to your financial information whenever you need it.

Remember, financial responsibility begins with knowing where you stand financially, and Chime is here to support you on your financial journey. Whether you’re saving for the future, budgeting for everyday expenses, or working towards specific financial milestones, keeping an eye on your account balance is a valuable tool to help you achieve your financial aspirations.