Toll-free·Calls Customer Service·Most popular Chime number
Q:
How do I talk to a live human at Chime?
A:Must choose an option 1-4 or 9, then follow prompts.
Q:
Does Chime offer 24 hour customer service?
A:Not at this number; hours here are Mon-Sat 7am-7pm, Sun 9am-5pm CST.The least busy day is Sunday, and the most busy day is Friday.
Q:
How long will I wait on hold?
A:The average hold time is 2 minutes and 58 seconds.The longest hold times are on Tuesday, and the shortest are on Thursday.How is this calculated?
How do I get through the phone menu to a live person?
GetHuman researchers routinely call this Chime phone number to document the phone system.
Here is how our research team describes the way the Chime phone system greets you: Thanks for calling Chime. If you have an account with Chime, press 1. If you are interested in joining Chime or want more info on products and services, press 2. If a Chime account was opened without your authorization, press 3. To report an unauthorized login or change to your account information, press 4. To verify a Chime member's bank account, press 5. For all other questions, press 9.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest:Must choose an option 1-4 or 9, then follow prompts.
Below are some clips we've found from Chime's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
Heard when the phone system first answers
"Thanks for calling Chime.
We're currently experiencing higher than normal wait times.
For faster service, please try the self-service features in our phone system or in the Chime app, or email us at support at Chime dot com.
We apologize for any inconvenience, and thank you for your patience.
If you have an account with Chime, press one.
If you are interested in joining Chime or want more info on product and services, press two."
Excerpt from a call with Chime
Wednesday, January 3, 2024 11:33 PM
They may need the phone number on your account
"Thanks for calling Chime.
We're currently experiencing higher than normal wait times.
For faster service, please try the self-service features in our phone system.
System or in the Chime app. We apologize for any inconvenience, and thank you for your patience.
If you have an account with Chime, press one. If you are interested in joining Chime or want more info Please enter the phone number associated with your account starting with the area code."
Excerpt from a call with Chime
Sunday, October 5, 2025 2:55 PM
They may ask you to enter information with the dial pad
"Thanks for calling Chime.
We are currently experiencing high wait times and ask that you try to use the cell service features in the phone system or in your Chime app.
Thanks for your patience.
If you have an account with Chime, press one. If you are interested in joining Chime or want more in Please enter the twelve digit account number associated with the member's Chime account."
Excerpt from a call with Chime
Monday, September 29, 2025 4:36 PM
The first phone menu
"Thanks for calling Chime. What moment while we locate an account with your phone number.
If you are interested in joining Chime or want more info on product and services, If you have an account with Chime, press one.
press two.
To report fraudulent or unauthorized account activity, press three.
To verify a Chime member's bank account, press four."
Excerpt from a call with Chime
Thursday, September 19, 2024 3:15 PM
After you press 1
"For all other questions, press nine.
Press star to hear these opt please enter the phone number associated with your account."
Excerpt from a call with Chime
Friday, March 29, 2024 12:01 AM
After you press 3
"Okay. So I think I need to connect you with an agent to help you with this.
One second while I figure out who to transfer to.
Alright. You'll be connected with an agent shortly.
For all other questions, press nine.
Press star to hear these options again."
Excerpt from a call with Chime
Wednesday, June 19, 2024 5:51 PM
After you press 5
"That was an invalid selection. Please try again.
If you are interested in joining Chime or want more info on product and services, press two.
To report fraudulent or unauthorized account activity, press three.
To verify a Chime member's bank account, press four.
For all other questions, press nine.
Press star to hear these options again."
Excerpt from a call with Chime
Sunday, March 24, 2024 2:43 AM
What are the hours and when should I call?
Chime operates the call center for this 844-244-6363 phone number Mon-Sat 7am-7pm, Sun 9am-5pm CT.The short answer is that you should call on a Thursday.This observation and the following section are based on analysis of a sample set of 3,683 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Chime phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Chime staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call Chime is Sunday.The most busy day to call is Friday, which averages 257% more phone calls by comparison.Again, this is based on a sample of 3,683 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Wed
Thu
Fri
Busiest
Sat
The shortest wait on hold
We measured the shortest hold times to be on Thursday.The longest wait in the queue on average occurs on Tuesday, which is 102% longer than the minimum.Most companies see more fluctuation in the length of hold times, but as you can see, time spent waiting for a Chime representative is more consistent than the number of calls throughout the week.
Sun
Mon
Tue
Longest
Wed
Thu
Shortest
Fri
Sat
The best time to call Chime
In summation, the best day to call Chime is Thursday.It isn't the least busy day, but the fact that hold times are shortest combined with it being on the busy side tells us that Chime staffs up on Thursday to handle the higher call volume, and that makes it the best time to call.
Why Customers Call Chime
If you have time to do a bit of reading before you call Chime, we recommend you read over some of our problem-specific articles.
Click the link above to get answers to just about any Chime customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Chime, and their purpose. Are any of these similar to the reason you are trying to call?
Receiving funds inquiry: "I'm trying to receive funds that I got on Inbox Dollars."
- From a call lasting 3m 32s , Oct 18, 2025 5:42 PM
Change card information: "I need to change the card."
- From a call lasting 31m , Oct 17, 2025 6:44 PM
Dispute unauthorized charges: "I wanted to dispute the last few charges that went on my account."
- From a call lasting 8m 50s , Oct 17, 2025 2:18 PM
Transaction flagged as suspicious: "It said that we are unable to send this transaction on due to suspicious, like, saying that it looked suspicious."
- From a call lasting 18m 42s , Oct 17, 2025 1:49 PM
Inquiry about deposit: "Is there a deposit from Palmetto on Wednesday?"
- From a call lasting 2m 25s , Oct 17, 2025 12:22 PM
Account dispute and closure: "I'm having an issue with a dispute that led to my account being closed, and I haven't received my funds after they were taken from my account."
- From a call lasting 32m 15s , Oct 16, 2025 6:43 PM
Unwanted card activation text: "I got a text saying to activate a Chime card, and I never requested a Chime card nor did I get a Chime card."
- From a call lasting 9m 8s , Oct 16, 2025 4:19 PM
Information about why customers call Chime is extracted from issues that customers have reported to GetHuman.
Corresponding with a customer service department by email may not be your first choice, especially if your issue is urgent or time-sensitive. But email is a nearly ubiquitous form of communication, and Chime will reply our your email.
Use this link to connect with customer service through Facebook
Some customer service teams, like that of Chime, accept inquiries through Facebook Messenger. This is a good option if you have a Facebook account, and you may even be able to converse live with an agent this way.
Conclusion and closing notes
This is Chime's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Chime agent. This phone number is Chime's best phone number because 29,799 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 844-244-6363 include Problem With the App, Account Access, Overcharge on Account, Trouble Receiving a Payment, Missing Card and other customer service issues. Rather than trying to call Chime first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or email or facebook. In total, Chime has 1 phone number. It's not always clear what is the best way to talk to Chime representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
GetHuman does not provide call center services or customer support operations for Chime. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Chime. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.