Why won’t Chime let me open an account?

Chime won’t let you open an account when the verification of your personal details gets failed. This is the official reason for which you will get denied by Chime as the bank won’t give you the actual reasons due to security purposes. You will get an email notification about the same in which you will find “We’re Sorry. We are unable to open an account for you at this time. We cannot reveal why your application got declined due to security reasons.”

Reasons why Chime won’t let you open account:

A few common reasons that might have triggered Chime bank to deny your account application –

1. You entered incorrect details
2. You are not 18 years old
3. You are not a U.S citizen
4. Your information cannot be verified

Chime says that it makes use of a third-party company to verify the details you provide to them while applying for an account. If, for some reason, your personal information cannot be verified, you will be rejected and you will get that “We’re Sorry” email from Chime. So, you need to make sure that you have provided the correct mobile number, email address, Social Security Number (SSN) if asked.

Chime also says that it won’t check credit scores of people who apply for an account with them. However, maintaining a good score will get you an account anywhere, not only Chime. So, if you think that the information you provided is correct and there’s no wrong with that, then Chime might have denied you for some other reason that it won’t actually reveal. Most probably, the reason could be your credit score.

What to do when Chime won’t let you open an account?

There’s nothing anyone can do as it depends on Chime’s policies of creating a spending account with them. The only thing you can do is talk to a live person at Chime by calling 844-244-6363 and ask him/her the most probable reasons for which your account application got declined.

If you don’t want to talk to a person on call, simply message the customer team at support@chime.com and they will respond to your email within two days.

Is it hard to get a Chime account?

No. It’s not at all hard to get a Chime account. However, it all depends on a good banking history. For example, a person with a good credit score can apply for a Chime account and get it opened right away. However, Chime claims that it won’t do a background credit check.

I am saying good credit score here in this context because there are thousands of people who are getting denied by Chime nowadays. And moreover, Chime won’t give them a solid reason for their disapproval. All it says is “we’re sorry! We are unable to open an account and cannot say why due to security reasons.”