Banking Chime

Denied Chime Account? (Reasons, How-to Qualify, Approval)

Chime bank approves most of its spending account applications but there’s a slight chance of getting declined for some unknown reason.

When Chime denies you an account, the most common reason it gives you is – “We’re sorry. Unfortunately, based on the information provided, we were unable to open a Chime deposit account for you at this time. Due to security reasons, our Member Services team is unable to provide you with any further information.”

Why did Chime deny you from opening an account?

Chime rejects an account application when the bank thinks that it is unable to verify the personal information that you provided. It uses a third-party company to verify the details of all its new applications and keeps declining those it can’t verify. The bank also denies applications from people who are not U.S citizens and have not attained an age of 18 years.

If you think you are eligible for a Chime account, simply apply by providing genuine and correct personal details to make it easy for Chime to verify your identity!

Probable Reasons For Chime Account Rejection

You can’t open a Chime account because-

  1. You are not 18 years old
  2. You are not a U.S Citizen
  3. Your mobile number isn’t correct
  4. Your SSN can’t be verified
  5. Your address can’t be verified

These are some of the most common reasons if Chime declines a new account application. One of these reasons will be mentioned by Chime in its rejection email notification.

However, some people who applied for Chime get an email notification with no particular reason explaining why the bank denied you from opening an account.

In Chime’s words, it can’t share with you the actual reason for denial due to security reasons!

How do you qualify for a Chime account?

In order to qualify for a Chime deposit account-

Step 1: Full Name

Start with a fresh application for a spending account. All you need is the Chime app that you’ll have to download and install on your phone.

You will be asked to enter your First Name and Last Name when you click on the Sign Up option. Do not hesitate to provide your actual full name as it is secure & safe to share your personal info with Chime.

Chime bank will take the help of a third-party identity verification firm to cross-check your details including your first name and last name.

So, it’s best to provide the full name that matches the name on one of your government-issued photo IDs like a driving license or SSN.

Step 2: Social Security Number

After entering the name, Chime will ask for your Social Security Number (SSN). So, keep your Social Security Card handy before starting the sign-up process.

Make sure to enter the 9-digit SSN exactly to increase your chances of getting approved by Chime. It’s best to leave the bank with no reason to reject your application.

Step 3: Email Address

The third step in the Chime account application process is providing your official email address. It’s important for you to enter an email address that you frequently use.

You will be notified about your application status by an email from Chime. So, share the official email address with Chime!

Step 4: Wait for approval

There’s nothing you can do to speed up the application process rather than waiting for Chime to process and approve it! These are the steps you need to follow to open a Chime account.

How long does Chime take to approve my account application?

Chime says that it sends a Visa debit card for you within 7 days of approval. The bank hasn’t mentioned how long it takes to process new applications.

So, it’s worth waiting for at least a week before you can contact a Chime customer support agent at 1-844-244-6363. You will get a notification within a few days after submitting the application.

This Chime notification will come included with a reason if you are rejected by the bank! If you are approved, you can start using the spending account right away.

Does Chime bank use ChexSystems?

No, Chime bank doesn’t use ChexSystems. In fact, the bank claims that it doesn’t do any background credit checks before approving a deposit account.

Chime is one of the best second chance banking options for all those people whose credit score is very bad. The bank gives you a chance to build back your score by letting you open an account and even by offering a credit builder card.

So, the credit score is not a factor for opening a Chime spending account!

FAQs About Declined Chime Accounts

Does everyone get approved for Chime?

Yes, almost everyone gets approved for a Chime deposit account. But, Chime won’t let a few people open an account with it for some reason. When denied, the bank won’t reveal the reason for rejection due to security issues.

Can you get Chime with bad credit?

Yes, you can get a Chime account even with bad credit. Because, Chime bank doesn’t check your credit score using any third-party services like ChexSystems.

How do I become a Chime member?

You can become a Chime member by signing up for a new Chime deposit account by providing your first name, last name, email address, mobile number, and SSN.

Why won’t Chime let me open an account?

Chime won’t let you open an account if you are not 18 years old. Another requirement for becoming a Chime member is – you must be a U.S citizen with a registered address in the country.

Can a child have a Chime account?

You cannot open a Chime spending account for your Child as the bank has a minimum age requirement of 18 years. Only after attaining the age of 18 years, a person can apply for Chime.

Conclusion: Unable To Open A Chime Account

Chime denies you an account if it is unable to verify your details. Other common reasons for denial include – age and U.S citizenship. However, the bank also declines applications due to some unspecified reasons that it won’t reveal in the rejection email due to security reasons. To qualify for a Chime deposit account, enter your details like Full name, SSN, and email address correctly.

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