CHIME* Charge (What It Is + Is It Legit?)
✓ LegitimateThe "CHIME*" charge is from Chime Bank. Chime digital banking charge.
Chime Bank
Chime digital banking charge.
Category
Banking
Avg. Charge
Variable
Country
US
Billing Cycle
Variable
Cancel At
chime.com/account
Support
See website
Why does this charge appear?
Chime Bank uses the truncated descriptor "CHIME*" on bank statements because payment processing networks like Visa and Mastercard enforce strict character limits on merchant billing descriptors, typically capping them at 22 characters or fewer. The asterisk following "CHIME" is a standard separator used by these networks to distinguish the merchant name from any additional transaction details, such as a reference number or service type, that may follow it. If you see "CHIME*" on your statement, it is almost certainly a legitimate charge tied to your Chime digital banking account, whether from a fee, a linked service, or a transaction processed through their platform.
What should you do?
Log Into Your Chime Account
Visit chime.com and log into your account to review your recent transaction history. Look for the CHIME* charge and confirm it matches a fee, transfer, or service activity associated with your Chime digital banking account.
Review Your Chime Account Activity
Inside your Chime account dashboard, check for any recent account actions such as transfers, SpotMe usage, or Chime Credit Builder activity that may correspond to the CHIME* charge appearing on your bank statement.
Manage or Cancel Chime Services
If you no longer want the Chime service or feature generating the charge, go to chime.com/account to review your account settings, manage linked services, or close your Chime account if needed.
Contact Chime Support Directly
If you recognize your Chime account but cannot identify what specifically caused the CHIME* charge, reach out to Chime Bank's customer support through chime.com to get a detailed explanation of the transaction before taking any further action.
Is this charge fraudulent?
No, this is a legitimate charge from Chime Bank. However, if you did not authorize this charge or cancelled your subscription, you may be eligible for a refund.
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