What is the CHIME* CREDIT BUILDER charge?

Why it shows up like this

A line item displaying CHIME* CREDIT BUILDER on your bank record is not a merchant purchase or a service fee. Instead, it represents a Chime Credit Builder Secured Card Allocation managed by Chime Financial, Inc. / The Bancorp Bank, N.A. (or Stride Bank, N.A.). This program operates as a secured credit card designed to help cardholders establish positive payment history without paying interest or annual card fees. The amount deducted from your checking balance serves as your security deposit and sets your available spending limit dollar for dollar. On monthly bank statements, the transaction may also show up as CHIME SAFER CREDIT, CHIME BANK TRANSFER, or CHIME 844-244-6363.

This entry typically appears when funds move automatically or manually between your accounts. If you turned on Chime's Safer Credit Building feature, the app automatically pulls cash from your Chime Checking Account each month to settle whatever balance you charged to the card. Another frequent trigger is an automatic direct deposit allocation, where a preset portion of your paycheck transfers directly into the Credit Builder secured account upon arrival. You might also see this record if you manually transferred cash inside the mobile app to raise your available spending line before making a major purchase.

Because this transaction is an internal transfer of your own funds rather than an external charge, you have not lost any money. You can view your current balance and transaction log by opening the Chime mobile app or visiting help.chime.com. If you want your money back in your primary spending account, open the Credit Builder tab, tap the transfer button, and move your available balance back into your checking account. If you never created a Chime account and this charge appeared on an outside bank statement, contact Chime member support at 1-844-244-6363 and notify your bank to dispute the unauthorized electronic transfer under Regulation E.

Common reasons for this charge

Understanding how funds flow through your Chime accounts clarifies why these transfer entries appear on your statement. Unlike traditional credit cards that extend a line of unsecured credit, Chime requires upfront funding before you can spend.

• An automatic Safer Credit Building transfer moved funds from your Checking Account to pay off your monthly card balance.
• You moved funds into your Credit Builder secured account to increase your available spending limit.
• A recurring transfer was scheduled to fund your credit building deposits.

How to locate the invoice and cancel

Because Credit Builder is a secured card product rather than an ongoing subscription, you do not receive monthly service invoices. You can manage or disable automatic transfers at any time directly through the app.

1. Open Chime App Launch the Chime mobile app or sign in at chime.com.
2. Go to Credit Builder Account Select Credit Builder and tap Settings.
3. Manage Safer Credit Building Toggle off Safer Credit Building or transfer remaining secured funds back to checking.

Frequently Asked Questions

Dispute Rights & Fraud Prevention

If you do not have a Chime account but see CHIME* CREDIT BUILDER on your external bank statement, someone may have opened an account using your identity or linked your bank routing number without permission.

Federal Regulation E protects consumers against unauthorized electronic fund transfers. You have 60 days from the date of the bank statement showing the unauthorized debit to notify your financial institution and initiate a formal dispute.

Part of a family

CHIME* CREDIT BUILDER is one of the Capital One statement codes lines — see the whole family decoded.

Verified sources

Every claim on this page is checked against official sources — open them to confirm before you call your bank.

• Chime Credit Builder Agreement https://www.chime.com
• CFPB: What to Know About Secured Credit Cards https://www.consumerfinance.gov