Chime is a financial technology company headquartered in San Francisco, California. This guide explains the difference between Chime’s corporate headquarters, mailing address, Member Services, and partner-bank information. It also shows members where to start with account access, unauthorized transactions, disputes, direct deposits, account closures, refund checks, Pay Anyone transfers, and unresolved complaints.
Chime quick answers
- Headquarters: 101 California Street, Floor 5, San Francisco, CA 94111
- Mailing address: Chime, P.O. Box 417, San Francisco, CA 94104-0417
- Member Services: 1-844-244-6363, available 24 hours a day, 7 days a week
- In-app chat: Open the Chime app, then tap Profile, Help Center, and Chat
- Company type: Financial technology company, not a bank
- Banking partners: The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC
- Public company: Chime Financial, Inc. trades on Nasdaq under the symbol CHYM
Important: Chime states that customer support is not available at its headquarters. For account, card, deposit, dispute, or fraud help, use the app or Member Services instead of visiting or calling the corporate office.
On this page
- Corporate office and contact information
- Choose the correct Chime support route
- Chime and its partner banks explained
- Bank address and direct-deposit information
- Unauthorized transactions and disputes
- Account closures and refund checks
- Scam and fake-support warning
- Complaint escalation routes
- Chime reviews and complaint themes
- Frequently asked questions
Chime Corporate Office and Headquarters Contact Information
- Company: Chime Financial, Inc.
- Corporate Office / Headquarters: 101 California Street, Floor 5, San Francisco, CA 94111
- General Mailing Address: Chime, P.O. Box 417, San Francisco, CA 94104-0417
- Member Services / Customer Support: 1-844-244-6363
- Support Hours: 24/7 by phone and in-app chat
- Support Email: su*****@***me.com for non-urgent inquiries
- Official Website: chime.com
- Help Center: help.chime.com
- Contact Instructions: How to contact Chime customer service
- Security and Support: Chime Security and Support
- Investor Relations: Chime Investor Relations
- Careers: Chime Careers
Which Chime address should you use?
- Headquarters address: Use for corporate, investor, media, or executive-office identification. It is not a walk-in support location.
- P.O. Box: Use for written correspondence only when Chime or the agreement for your specific product directs you to mail something there. Do not mail cash, original identity documents, or an unsolicited check.
- Direct-deposit bank address: Use the partner-bank name and address on the completed direct-deposit form in your Chime app. Do not use the San Francisco headquarters address for payroll or benefits forms.
Chime Headquarters Address Update
Older Chime listings may still show 77 Maiden Lane in San Francisco. Chime’s current website and investor materials list its headquarters at 101 California Street, Floor 5, San Francisco, CA 94111. Chime’s filings may describe the same location as Suite 500.
The number 1-844-244-6363 should be labeled as Member Services or customer support, not as a separate corporate switchboard. Chime does not prominently publish a general headquarters phone number for customer complaints, and it specifically states that customer support is not available at HQ.
Choose the Correct Chime Contact Route
| Reason for contacting Chime | Best first route | What to have ready |
|---|---|---|
| Login or account-access problem | Account recovery, in-app chat, or 1-844-244-6363 | Account email and phone number |
| Lost card or unauthorized card charge | Turn off card transactions in the app, then dispute the posted charge or call immediately | Date, amount, merchant, and card involved |
| Missing direct deposit | Confirm transmission with the payer, obtain the ACH trace number, then contact Chime | Payer, date, amount, and trace number |
| Merchant refund missing | Ask the merchant when it processed the refund, then contact Chime if the normal posting window has passed | Refund receipt or confirmation number |
| Account restricted or closed | In-app chat or Member Services | Notice, case number, balance, and current mailing address |
| Pay Anyone transfer | Check whether it is still pending; contact Chime immediately if unauthorized | Recipient, date, amount, and transfer status |
| Credit Builder, SpotMe, MyPay, or loan issue | Review the product details in the app, then use chat or phone support | Product name, statement, transaction, and eligibility details |
| Investor or shareholder question | Chime Investor Relations | Investment or shareholder inquiry details |
For a dedicated phone, dispute, and account-help guide, visit Chime Customer Service on CustomerServiceNumbers.com.
Is Chime a Bank?
No. Chime is a financial technology company, not a bank. Chime provides the app, member experience, support tools, and related technology. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
The distinction matters when the issue involves an account agreement, direct deposit, deposit insurance, the bank that issued a card, a credit product, or a regulatory complaint. The applicable partner bank can vary by account or product. Check the Chime app, card, account statement, direct-deposit form, and controlling agreement instead of assuming that every Chime product uses the same bank.
| Name | Role | Why it matters |
|---|---|---|
| Chime Financial, Inc. | Public financial technology company and parent organization | Corporate, investor, and headquarters information |
| The Bancorp Bank, N.A. | Chime banking partner and FDIC-insured bank | May hold deposits or issue the account, card, or credit product identified in your documents |
| Stride Bank, N.A. | Chime banking partner and FDIC-insured bank | May hold deposits or issue the account, card, or credit product identified in your documents |
| Chime Capital, LLC | Provides lending-related services for certain Chime credit products | The issuing bank and product agreement control a MyPay or loan complaint |
Chime Bank Address and Direct-Deposit Information
Searches for “Chime bank address” can refer to three different things: Chime’s headquarters, Chime’s P.O. Box, or the address of the partner bank connected to a member’s account. For payroll, benefits, or direct deposit, the correct answer is the bank information on the completed direct-deposit form in the Chime app.
Chime currently lists these partner-bank addresses in its direct-deposit help:
- Stride Bank, N.A.: 324 W. Broadway Avenue, Enid, OK 73701
- The Bancorp Bank, N.A.: 345 N. Reid Place, Suite 700, Sioux Falls, SD 57103
Use one of those addresses only if it matches the bank shown on your own Chime direct-deposit form. Find the form in the app under Move, Set up direct deposit, and Get direct deposit form. Routing and account numbers are sensitive and should be copied directly from the app or form, not from a third-party website.
What to Have Before Contacting Chime
- Name, email address, and phone number on the account
- The Chime account, card, or product involved
- Transaction, deposit, withdrawal, or transfer date and amount
- Merchant, ATM, payer, payroll provider, or recipient name
- Whether a transaction is pending or posted
- ACH trace number for a direct deposit, when available
- Merchant refund receipt or confirmation number, when relevant
- Dispute, complaint, or support case number
- Account-closure notice and confirmed mailing address, when relevant
- A short timeline and the exact resolution requested
Unauthorized Transactions, Lost Cards, and Chime Disputes
If a Chime card is lost, stolen, or used without permission, turn off card transactions in the app immediately and contact Chime. Do not wait for an unauthorized pending transaction to post before securing the card.
How to dispute a posted Chime card charge
- Open the Chime app and select the account containing the transaction.
- Select the posted transaction. Pending card transactions cannot yet be disputed through the normal charge-dispute process.
- Tap Problem with this transaction?
- Follow the prompts and provide accurate details.
- Upload requested receipts, merchant messages, or other evidence through the secure Chime process.
- Save the dispute confirmation and monitor app and email updates.
If the dispute option is unavailable or the matter is urgent, call 1-844-244-6363. Card, ACH, ATM, transfer, and credit-product complaints may follow different rules, so identify the transaction type precisely.
If Chime denies a dispute
- Read the final determination and note any response deadline.
- Ask which records or facts were used in the decision.
- Provide new evidence promptly and ask whether the case can be reconsidered.
- Keep temporary-credit, reversal, and final-decision notices.
- Escalate an unresolved consumer-financial complaint when appropriate.
A temporary credit is not a final decision. Chime may remove it if the completed investigation does not resolve the dispute in the member’s favor.
Pay Anyone Transfer Sent to the Wrong Person
Chime-to-Chime Pay Anyone transfers are generally completed immediately and cannot be canceled or reversed. A non-Chime recipient normally has 14 days to claim a transfer. If the transfer is still pending, the sender may be able to cancel it in the app; if it remains unclaimed, Chime says the money is returned automatically after the claim period.
- Wrong recipient or wrong amount: Check the transfer status, cancel it if the app still permits cancellation, contact the recipient, and contact Chime.
- Unauthorized transfer: Call 1-844-244-6363 immediately and review the applicable account agreement.
- Scam-induced transfer: Tell Chime exactly how the transfer occurred, preserve messages and payment details, and consider reporting the scam to law enforcement or an appropriate federal agency.
Do not assume that Chime can retrieve a completed transfer simply because it was sent by mistake. Double-check the recipient before confirming any instant payment.
Missing Direct Deposits, Payroll, Benefits, and Tax Refunds
Chime says it posts a direct deposit when it receives the payment file and does not display incoming direct deposits as pending. If a deposit is missing, first verify that the payer sent it to the correct account and routing number.
- Confirm the deposit date, amount, and destination with the employer, benefits provider, tax agency, or other payer.
- Confirm that the account and routing numbers match the current Chime direct-deposit form.
- Ask the payer for the ACH trace number.
- Give the trace number to Chime through in-app chat or Member Services.
- If the deposit was returned, ask the payer when and how it will be reissued.
A deposit may be returned because of a closed account, name mismatch, ineligible business payment, incorrect account information, payer reversal, or another review issue. The payer normally controls reissuing returned funds. For a tax refund, also check the issuing tax agency’s official status tool; Chime does not control when the agency sends the payment file.
Account Restrictions, Closures, and Refund Checks
If Chime restricts or closes an account, save the notice and ask what information is required, whether pending transactions or disputes remain, and how any balance will be returned. A support representative may not be able to disclose every detail of a security or compliance review, but members can still request a case number, document instructions, and written status.
Before voluntarily closing an account, Chime recommends downloading statements and tax documents, moving direct deposits, canceling or changing automatic payments, and transferring the remaining balance to another account. If funds remain, Chime says it issues a refund check within 14 days of account closure; delivery may take up to 30 days from the closure date.
If a Chime refund check is late
- Confirm the closure date and amount expected.
- Confirm the mailing address on the account.
- Ask when the check was issued and whether it was returned or cashed.
- Ask about the stop-payment and replacement-check process.
- Record the case number and every promised follow-up date.
- Escalate in writing or to an appropriate regulator if access to the balance remains unresolved.
Merchant Refunds, ATM Problems, and Mobile Check Deposits
Missing merchant refund
Chime says merchant refunds usually appear 5 to 7 business days after the merchant processes the refund. Ask the merchant for the processing date, amount, and confirmation number. A merchant’s promise to refund is not the same as a processed card refund.
ATM charged the account but dispensed no cash
Save the receipt and record the ATM owner, location, date, time, requested amount, amount actually dispensed, and any error message. File a Chime dispute and keep the ATM details because the investigation may require records from the ATM owner or network.
Mobile check deposit delayed or rejected
Check the app for the deposit status and expected posting date. Chime says an accepted mobile check deposit may take up to five business days to post. Keep the original paper check until the deposit has been accepted and fully processed, and do not deposit the same check elsewhere.
Credit Builder, SpotMe, MyPay, and Chime Loan Support
Identify the exact product before contacting support because eligibility, repayment, dispute, and issuing-bank terms differ.
- Credit Builder or Chime Card: Review the statement, secured-account activity, card status, and posted transaction. Use the in-app dispute option for an eligible posted charge.
- SpotMe: Check qualifying-direct-deposit status, current eligibility, and the personalized limit shown in the app.
- MyPay: Review the current line-of-credit agreement, available amount, advance details, fees, and scheduled repayment information.
- Instant Loan or another credit product: Review the agreement for the issuing bank, Chime Capital’s servicing role, payment details, and dispute address.
Do not rely on old product limits or eligibility rules from a third-party page. Chime can change product availability, terms, and member-specific limits.
Chime Scam and Fake Customer-Service Warning
Stop if a caller or message asks you to:
- Share a password, PIN, full Social Security number, full card number, or login credentials
- Read back a one-time verification code
- Download a remote-access app
- Move money to a “safe” or “protected” account
- Pay with cryptocurrency, gift cards, or an instant transfer
- Use a support number found only in a search ad, social-media reply, or unexpected text
Hang up, open the official Chime app directly, and call 1-844-244-6363. Chime says legitimate messages can come from an @chime.com email address, official text short codes 24463 or 78740, or verified social accounts, and that it does not ask for a full Social Security number, full card number, or login credentials in an unsolicited communication.
How to Escalate a Chime Complaint
- Start with Chime: Use in-app chat or call 1-844-244-6363.
- Get a case number: Record the date, time, representative, and promised next step.
- Preserve evidence: Save statements, transaction details, deposit confirmations, merchant messages, closure notices, emails, and chat transcripts.
- State the requested resolution: Examples include restoring access, reopening a dispute, tracing a deposit, replacing a card, correcting credit information, or reissuing a refund check.
- Follow up in writing: Use a concise timeline and include the case number. Send sensitive records only through an authorized secure route.
- Identify the correct entity: Check the agreement, statement, card, or direct-deposit form to determine whether the matter involves Chime Financial, Chime Capital, The Bancorp Bank, or Stride Bank.
- Escalate externally when appropriate: Choose the agency that matches the problem instead of submitting the same complaint everywhere.
| External route | When it may fit |
|---|---|
| Consumer Financial Protection Bureau complaint | Unresolved checking, savings, card, credit-reporting, personal-loan, prepaid-card, or money-transfer complaint |
| OCC Customer Assistance | A complaint specifically involving a national bank regulated by the OCC; verify the bank and regulator before filing |
| IdentityTheft.gov | Someone opened or used an account in your identity, or other identity theft occurred |
| FTC ReportFraud | Impersonation, payment, shopping, or other consumer scam reporting |
| FBI Internet Crime Complaint Center | Cyber-enabled fraud, account takeover, or internet crime |
A regulator complaint is not an emergency service and does not guarantee a particular outcome. Contact local law enforcement or emergency services when safety is at risk, and contact Chime immediately when an unauthorized transaction or account takeover is still in progress.
Chime Reviews and Complaints
Comments visible on CorporateOfficeHeadquarters.com include reports about accidental Pay Anyone transfers, unauthorized accounts associated with a customer’s email, deceased-account document handling, merchant refunds or withdrawals, account closures, missing replacement checks, and difficulty escalating support cases. These are individual consumer reports and do not prove that every member will have the same experience.
Across independent complaint and review pages, serious negative themes tend to involve access to funds, disputed transactions, direct deposits, restrictions or closures, and cases that require repeated contacts. Positive comments more often focus on app convenience, early access to eligible direct deposits, Credit Builder, SpotMe, and avoiding traditional branch visits. Review sites are self-selected and are not a representative survey of all Chime members.
Related Chime help and review pages
These independent sister-site pages cannot access a Chime account or resolve a financial complaint. Use official Chime support for account-specific action.
How to write a useful Chime review
- Name the product and issue without exposing private information.
- Say whether you used phone support, in-app chat, email, or mail.
- Include the approximate date, response time, and whether a case was opened.
- Explain the resolution you requested and whether Chime resolved the issue.
- Distinguish a pending matter from a final dispute or account decision.
About Chime Financial
Chime Financial, Inc. is a San Francisco-based financial technology company founded in 2012. It offers a mobile-first financial-services experience that can include checking and savings access, debit and secured credit cards, direct-deposit features, SpotMe, Pay Anyone, MyPay, loans for eligible members, account alerts, and digital support. Product availability, limits, fees, eligibility, and bank issuer can vary.
Chime became publicly traded on the Nasdaq Stock Market on June 12, 2025, under the ticker symbol CHYM. Chime does not operate a traditional branch network for member service. The Bancorp Bank, N.A. or Stride Bank, N.A. provides the underlying banking services identified in the applicable account or product documents.
Chime Competitors and Related Corporate Office Pages
Chime competes with mobile financial platforms, online banks, payment apps, prepaid-card providers, credit-building products, and traditional banks. Frequently compared services include Varo, Current, Cash App, PayPal, SoFi, Ally, Capital One 360, and Netspend.
- Cash App Corporate Office
- PayPal Corporate Office
- Netspend Corporate Office
- Ally Bank Corporate Office
- Capital One Corporate Office
- Chase Corporate Office
- Bank of America Corporate Office
- Zelle Corporate Office
Official Chime and Consumer Resources
- Contact Chime Member Services
- Dispute a Chime card charge
- Find a missing Chime direct deposit
- Set up Chime direct deposit
- Close a Chime account and review refund-check timing
- Pay Anyone dispute guidance
- Verify whether a communication is from Chime
- Chime company and partner-bank information
- Chime investor FAQs and CHYM information
- Submit a CFPB complaint
Frequently Asked Questions About Chime Corporate Office
Where is Chime’s corporate office?
Chime Financial, Inc. lists its headquarters at 101 California Street, Floor 5, San Francisco, CA 94111.
Can I visit Chime headquarters for customer service?
No. Chime states that customer support is not available at headquarters. Use in-app chat or call Member Services at 1-844-244-6363.
What is Chime’s mailing address?
Chime lists P.O. Box 417, San Francisco, CA 94104-0417. Follow the agreement or official instructions for the specific product before mailing a dispute, payment, or document.
What is Chime’s customer-service phone number?
Chime Member Services can be reached at 1-844-244-6363. Chime says phone support is available 24 hours a day, 7 days a week.
How do I speak to a live person at Chime?
Call 1-844-244-6363. You can also open the Chime app, tap Profile, tap Help Center, and start a Chat.
Does Chime have a customer-support email?
Chime lists su*****@***me.com for non-urgent inquiries. For urgent fraud, lost-card, account-access, or transaction problems, use the app or phone support.
Is 1-844-244-6363 Chime’s corporate phone number?
It is Chime’s Member Services number. Chime does not prominently publish a separate general headquarters switchboard for customer complaints.
What address should I use for Chime direct deposit?
Use the partner-bank name and address on the completed direct-deposit form in your Chime app. Do not use Chime’s San Francisco headquarters address and do not guess between The Bancorp Bank and Stride Bank.
Is Chime a bank?
No. Chime is a financial technology company. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
Are Chime deposits FDIC-insured?
Chime says eligible deposits may receive pass-through FDIC insurance through its partner banks, up to applicable limits and subject to applicable requirements. Chime itself is not an FDIC-insured bank.
How do I dispute a Chime transaction?
Select the posted transaction in the Chime app, tap Problem with this transaction?, and follow the prompts. If the option is unavailable or the matter is urgent, call 1-844-244-6363. Immediately disable card transactions if you believe the card was used without permission.
What should I do if my Chime direct deposit is missing?
Confirm that the payer sent it to the correct account, ask for the ACH trace number, and give that number to Chime. If the deposit was returned, ask the payer when it will be reissued.
Can Chime reverse a Pay Anyone transfer?
A completed transfer generally cannot be canceled or reversed. A transfer to a non-Chime recipient may be cancelable while it is still pending. Contact Chime immediately if the payment was unauthorized.
What happens to my balance when I close a Chime account?
Chime recommends transferring the balance before closing. If funds remain, Chime says it issues a refund check within 14 days, and delivery may take up to 30 days from the closure date.
How do I file a complaint against Chime?
Start with in-app chat or 1-844-244-6363, request a case number, preserve the evidence, and clearly state the resolution requested. If the financial complaint remains unresolved, the CFPB may be an appropriate external route. For a complaint specifically involving a partner national bank, verify the bank and regulator before filing with the OCC or another banking agency.
Why Trust CorporateOfficeHeadquarters.com?
CorporateOfficeHeadquarters.com independently organizes headquarters, address, phone, complaint, review, and escalation information for major companies. This page distinguishes Chime’s corporate office from Member Services and partner-bank information, and it uses current Chime help, company, investor, regulatory, CSN, ZeroStars, and COH-visible review information where available.
Page Update Note
This Chime Corporate Office page was reviewed and updated on August 31, 2026. The update confirms the current headquarters and mailing addresses, clarifies that headquarters does not provide customer support, distinguishes Chime from its partner banks, adds direct-deposit bank-address guidance, expands dispute and complaint routing, and includes the updated Chime pages on CustomerServiceNumbers.com and ZeroStars.org.
Disclaimer
CorporateOfficeHeadquarters.com is an independent consumer-information website and is not affiliated with Chime Financial, Inc., Chime Capital, LLC, Chime Payments, Inc., The Bancorp Bank, N.A., Stride Bank, N.A., Visa, Nasdaq, the FDIC, the CFPB, the OCC, or any other company or government agency named on this page. This information is not legal, financial, tax, or banking advice. Contact details, addresses, product names, eligibility, limits, bank issuers, support procedures, dispute rights, complaint routes, and deposit-insurance rules can change. Confirm important details in the Chime app, the controlling account or credit agreement, and official Chime or government sources.
Share Your Chime Experience
Have you contacted Chime Member Services, in-app chat, dispute support, direct-deposit support, Credit Builder support, or another Chime route? Share the issue type, contact method, response time, whether you received a case number, and whether the problem was resolved. Do not publish full account or routing numbers, card numbers, Social Security numbers, passwords, PINs, one-time codes, balances, direct-deposit forms, identity documents, private email addresses, home addresses, or screenshots containing financial information.