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Activate Chime Card: 11 Questions Answered! (Full 2023 Guide!)


Isaac Floyd


Last Updated

When you sign up for a checking account with Chime, you will get a debit card with no monthly or maintenance fees.

Here is how to activate your Chime debit card via the Chime app, website, or phone.

What Do You Need to Activate Your Chime Card?

You need your Chime account and card information to activate your Chime debit card. During the activation process, you have to enter your card and CVV number on the Chime app or website or relay your information to the Chime representative if you activate via phone. 

Activating your Chime card will unlock useful features, including the ability to send physical checks, and initiate unlimited ACH bank transfers in and out of Chime.

How to Activate Your Chime Card: (Step-By-Step)

There are several options on how you can activate your Chime card. You can do it using the Chime app, the Chime website, or through Chime’s customer representative.

Activate Your Chime Card with The App:

Activating your Chime card using the app is the quickest and easiest way among the three options. You need to do the following steps:

1.     Log into your Chime account and look for the card widget at the top portion of the screen,

2.     Tap on Card Status, then Activate Card. You will be directed to the card activation page.

3.     Enter your card details, including your card and CVV number, in the required fields.

4.     Wait for Chime to send you the verification code.

5.     Once received, key in the verification code and click Continue.

Chime will send you another message stating that your debit card has been activated and you can now use it for transactions.

Sometimes, the Activate Card button does not show up after you press Card Status. If this happens, you can utilize the Chime Chatbot.

You should navigate to the Chime app home screen and locate the Chatbot. It should be at the right corner of your screen.

You may also contact Chime customer service at 844-244-6363.

Activate Your Chime Card Through the Website:

You may also activate your Chime card by visiting the Chime website. Do the following steps:

1.     Log into your account by entering your credentials.

2.     Go into Bank Account Information.

3.     Tap on Activate My Card and enter your Chime card information.

4.     Afterward, set your PIN and click Call Now to get the verification code.

5.     Key in the verification code and your 4-digit PIN.

6.     Tap Done.

Once you accomplish these steps, you have successfully activated your Chime card. 

Chime may also send an activation confirmation to the email address associated with your Chime account, or to the telephone number you have registered with Chime.

Activate Your Chime Card via The Phone:

Chime also offers card activation via phone call. You only need to talk to a customer service representative to do this.

1.     Call Chime at 1-844-244-6363.

2.     Explain to the customer representative your request for card activation.

3.     Follow the instructions given by the Chime support team.

You will be asked for the details printed on your Chime card, so you should have it with you during the call.

The entire process usually lasts two minutes. After that, you can use your activated Chime card for different transactions.

Why Can’t I Activate My Chime Card?

Problems encountered in activating Chime cards are typically due to errors in information. You may have entered the wrong details during the activation process.

If this happens, you should call the Chime support team at 1-844-244-6363 and explain the setback. They will assist you and help you trace what went wrong. 

What Happens if You Don’t Activate Your Chime Card?

If you do not activate your Chime card, you will not be able to enjoy the perks that come with having one. These include unlimited ACH bank transfers and the utilization of physical checks.

You will also not be able to withdraw money using your Chime card. Chime does not offer cardless withdrawals since the platform does not support them.

How to Activate a Chime Temporary Card: (Step-By-Step)

While you are waiting for your Chime card to arrive, you can use a temporary digital card that you can access using the Chime app. Follow these steps to activate your temporary card:

1.     Open your Chime app and log in using your credentials

2.     Tap Settings, then find the Debit Card button.

3.     Select View My Card.

4.     You will see your temporary card details, including your card number, CVV, and expiration date.

The temporary card is useful if you need to make urgent payments, but have not received your Chime physical card.

When you add the temporary card as a payment method in Chime, you only have to enter the card details and you are good to go.

You can add your Chime temporary card on apps like Paypal and Venmo, or link it to app wallets and use it as payment for in-store purchases.

The moment you receive the physical card and have it activated, you will no longer be able to use your temporary card.

How Long Does It Take to Receive Your Chime Card?

After ordering your Chime debit card, you can expect it to arrive within seven to ten business days. If you ask Chime for express shipping, you can have it within three to five business days.

Users who open accounts with Chime are automatically eligible for a Chime debit card. This is issued by VISA, so you can use it with most mobile payment apps.

Once you open an account with Chime, they will start preparing your debit card and place it in the mail within one business day.

Usually, the Chime card will arrive at your home address within a week. 

Can You Activate Your Chime Card Before It Arrived?

Yes. You can activate your Chime card even before it arrives. You can utilize the temporary card to make purchases.

You only need to log in to the Chime website using your email address and password or access the app to see your temporary card details.

How Do You Reset the Card Pin?

If you forgot your Chime card PIN and want to reset it, you should reach out to Chime’s support team to process the request.

You have to call 1-844-244-6363 and follow the prompts for PIN resetting. Make sure that you have your Chime card with you because you will be asked for your card information. 





About Isaac

Isaac graduated with an MBA in 2014. After graduating he worked in the software industry for 5 years. He started his first online side hustle in early 2018, today he makes a full-time income from his 3 online side hustles. One of the 3 is Humbled MBA.