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Recover Your Suspended Chime Account! (Full 2022 Guide!)

Jamey Muller
Updated: October 2, 2022
5 min read

Chime suspends accounts for several reasons, including unusual activities. If this happens, you need to contact Chime to get your account back.

Here is how to recover your suspended Chime account. 

Why Is My Chime Account Suspended?

Chime suspends accounts for multiple reasons, the most typical being the violation of its terms and conditions. Like other financial institutions, Chime is subject to regulations so if you break your terms or you used your account for something illegal, your account will likely be put on hold.

Based on Chime’s operating guidelines, you can get your Chime account suspended by setting up multiple accounts, accessing it via an unauthorized method, or failing to disclose your account details to Chime upon request.

Chime also has the right to put your account on hold if you are suspected of using Chime digital products or services for money laundering, fraud, and other illegal activities.

When your account gets suspended, your funds will be held until the situation has been resolved.

Chime's terms and conditions are enforced by system algorithms that cannot always differentiate between right and wrong, so some instances result in unfair account suspension.

If this happens, you can file a complaint to Chime to get your account back.

5 Reasons Why Your Chime Account Could Be Suspended:

When you sign up with Chime, you agree to follow its terms and conditions in exchange for using its services. If you unknowingly break any of the policies, Chime can hold your account with or without prior notice.

Your Chime account could be suspended for any of the following reasons:

1.   Using savings account for business purposes

Chime’s savings or spending account is designed for personal use. If you utilize it for business and Chime finds out, your account will likely be suspended.

While Chime specializes in personal spending and saving accounts, it does not offer bank accounts. You should consider a different platform if you want one.

2.   Opening multiple Chime accounts

You can only have one active Chime account. This is according to Chime’s policy.

However, some users want to take advantage of Chime’s signup bonuses so they attempt to open multiple accounts.

If Chime discovers that you have several active accounts, all of these accounts will be suspended, or worse, permanently closed.

3.   Being involved in fraud

If your account gets involved in any fraud or illegal activity, this is an obvious reason for Chime to suspend your account.

The moment Chime spots anything unusual happening on your account, it will take immediate action and will freeze your funds to avoid further activities.

If you did not take part in any illegal activity, you can call Chime customer service to try and lift the suspension.

4.   Making several unsuccessful login attempts

Attempting to access your Chime account by logging in using multiple incorrect passwords may lead to account suspension.

The Chime system will view the unsuccessful attempts as a breach of your security. 

To protect your account from fraudsters trying to gain access, Chime may put your account on hold. In such cases, you will need to contact Chime support and explain what transpired. You will also likely be asked to prove your identity.

If you ever forget your Chime password, you should reset it by tapping on the Forget Password link instead of making incorrect guesses.

5.   System error

Chime's system may have mistakenly flagged your account as a suspicious one, resulting in account suspension or closure.

Error in the Chime system is more common than you think. In recent years, many users have complained about unjust account suspensions.

Chime has reinforced a more stringent approach in detecting fraudulent activities in its members due to an increase in online fraud cases during the pandemic.

How To Unsuspend A Chime Account:

To unsuspend your Chime account, you should contact Chime directly either by calling its hotline at 844-244-6363 or by sending an email at support@chime.com. A Chime representative will tell you what you need to know to get your account back.

Reaching out to Chime will provide you with answers if you do not know why your account got suspended. This way, you will also know the steps you must undergo to recover your account.

How Long Does It Take For A Chime Account To Be Unsuspended?

Chime unsuspends accounts fairly quickly, as long as you have gotten in touch with their support team and explained what happened. Your account should be up and running within a couple of days.

The waiting time depends on why your account was suspended. Chime will have to review your account and determine the reason why it was put on hold.

If you reach out to Chime immediately after you received the suspension notification, you do not have to wait that long to get your account back.

What Happens To Your Money If Your Chime Account Gets Suspended?

If your Chime account gets suspended, you will not have access to your funds. Chime will put your money on hold as a security measure while they are reviewing your account.

Once your account is cleared of unusual activities, you can access your Chime funds.

In instances where users’ accounts get suspended without prior notice, you should contact Chime via phone call or email and see if they can help you.

If Chime is unable to give a sufficient explanation for your account's suspension, some users advise you to contact Chime's physical banks Bancorp Bank and Stride Bank, N.A.

They will investigate what happened and give you a resolution fairly quickly.

Is It Common For Chime To Suspend Accounts?

Yes. Account suspension in Chime is fairly common because the system is always on the lookout to detect unusual behavior in user accounts.

Chime's account agreement clearly states that any member found to use their account for illegal purposes may be suspended without notice. Any suspected activity may result in accounts getting suspended or terminated.

If your account gets flagged, Chime will send you a notification requesting verification to ensure that no unauthorized activity is happening on your account.

You will need to submit the proper documentation for Chime to release your suspended account. If you are unable to do so, your account will remain on hold until you provide the said requirement.

If your account is suspected of being utilized for business, Chime will suspend your account until they get confirmation that it is not for personal use.

You should always turn your Chime notification so keep tabs on your account. This way, you can take action immediately if ever you receive any notice or warning on suspension.

It is also important that you keep your contact information updated in case Chime contacts you regarding your account. This includes your phone number and email address.

To prevent situations that will lead to the suspension of your Chime account, you must take preventive measures.

Immediately report to Chime any suspicious activity in your account, including purchases that you did not make.

In case of unauthorized access, you have to disable transactions via the Chime app to restrict transactions and cash withdrawals.

You should also activate real-time notifications on all of your transactions in case fraudsters try to use your account.

References:

Chime

Chime

Written by
Jamey Muller
I'm the head-writer @ Knowledge Eager (or, in plain English, I'm the guy writing the majority of the content here). Addicted to the stock market, football, sushi and tacos.
Have any questions? Write us a message.
Jamey Muller
I'm the head-writer @ Knowledge Eager (or, in plain English, I'm the guy writing the majority of the content here). Addicted to the stock market, football, sushi and tacos.