Disclaimer: This content is not intended to be financial advice and is for informational purposes only. We may earn commissions if you buy through our links at no cost to you.


7 Chime Balance Questions Answered Quickly! (2023 Guide!)


Isaac Floyd


Last Updated

Chime banking is online-only and designed for swift use, so has options to check your balance while on the move, through its website, and with daily notifications. Let’s run through the possible ways to check your Chime balance and a step-by-step guide on how to do so.

How To Check Your Chime Balance: (Step-By-Step)

On The Chime App:

Checking your available balance on the Chime App is an easy process.

  1. Open and log into the Chime App
  2. Now on the home screen, under My Chime Accounts, you will see your Spending Account and Savings account balances.  

Additionally, you can view your running balance by navigating to your Checking Account transactions screen, where you can view your balance feed and also each finalized transaction you’ve made.

On The Chime Website:

Checking your balance on Chime’s website is also a straightforward process.

  1. Enter the email address and password associated with your account. 
  2. Navigate to the dashboard, where you can view your Spending and Savings Account, and balance

You have the option of viewing your bank statements for a more detailed look at your transactions. 

By Calling Chime:

With Chime, if you’re unable to view your online account balance, then you can call a customer service representative at +1 (844) 244-6363 and they will tell you how much money is in your account. This service is available 7 days a week from 3 AM to 11 PM CST.

Customize Balance Notifications 

Chime also offers the option of customizing balance notifications. To do this, open the App and navigate to Settings, then Notifications, and here you can turn on/off Balance Alerts, which is the option to be notified of your account balance every morning.

Also, to view how much money is left in your account after completing a purchase, you can turn on Transaction Alerts. This way, whenever a purchase is made you’ll receive a pop-up transaction alert, displaying how much money was deducted from your account and also your current account balance.

Enable Chime Notifications on Your Phone

To receive Chime notifications on your phone you’ll need to allow notifications from the Chime App.

For Apple Devices

  1. Navigate to Settings, and Notifications
  2. A list of apps that support push notifications will appear, click Chime CRM app
  3. Click Allow Notifications

For Android Devices 

  1. Navigate to Settings
  2. Click on Apps
  3. Click on CRM app, and then on notifications
  4. Turn on Treat as priority and also Allow peeking

What Is The Maximum You Can Have In Your Chime Account?

Chime works through its banking partners which are The Bancorp Bank and Stride Bank, who are both FDIC-insured up to the standard limit of $250.000, which means that if either of them experiences bank closure you’ll be fully covered up to this amount. Chime also sets ACH transfer limits to $10,000 each day and $25,000 per calendar month, and there are currently no direct deposit limits.

Can You Have A Negative Balance On Chime?

When signing up with Chime their overdraft feature isn’t enabled, so it’s not possible to run into a negative balance on your Chime Checking account, and you must enroll in their fee-free SpotMe feature to be granted overdraft approval. To qualify for SpotMe you will need to make a monthly direct deposit of at least $200 into your Checking account, which Chime uses to spot you (cover) your negative balance.

By using this feature, your overdraft limit starts at $20 and may be raised up to $200 based on your activity history and additional factors. This enables you to be spotted on debit card purchases and cash withdrawals, but you won’t be able to spend more than your approved overdraft limit.

To activate SpotMe:

  1. Open the Chime App,
  2. Go to Settings, then click SpotMe
  3. Turn on the Overdraft Fee-Free option
  4. Click on Your Limit and set personal overdraft limits to manage your negative balance 
  5. Here you can also view the SpotMe Boosts feature, which allows qualifying friends to send and receive up to 4 small overdraft limit raises per month to each other

What Happens If You Have A Negative Balance On Chime?

Chime doesn’t have a limit on the number of times you can overdraw your balance each month. However, if your account balance remains in the red for more than 90 days, there is a possibility it can be suspended, and for more than 120 days it’s possible Chime will close your account, but in both instances, you’ll be notified through email beforehand.

How Do People Fake Their Chime Account Balance? 

Chime works effortlessly to provide a safe and secure mobile banking experience, their App is fully secure and doesn’t have glitches such as showing a fake account balance.

If someone is saying they faked their account balance or is showing pictures of their “faked” account balance then this is false information that’s most likely connected to a scam, and you should immediately seize contact and report this issue to Chime support at +1 (844) 244-6363.

Red flags include:

  • Using the words “free cash”, or free anything
  • Asking you to send money into an account 
  • Saying they have found glitches in the system, making money magically appear in their account
  • Images of accounts with large amounts of cash, or large sums of cash being added into the account, asking you to direct message them for their “secret”
  • Suspicious emails with attachments and clickable links (don’t ever click)

Chime won’t ask you over text, phone, or social media to give out your personal information, such as your social security or card number, so never part with your personal details in response to receiving suspicious emails, texts, DMs, or phone calls claiming to be from Chime’s customer service.




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.