Why cant I open a Chime account due to security reasons?

You cant open a Chime account because your SSN is not verified, your personal details cannot be verified, you are not eligible as per Chime’s terms of usage, or you have a poor credit score.

If you nodded, fret not; you have reached the right web page.

Here, we will be helping you to understand the reasons why Chime denied your application for opening a new bank account.

Why cant I open a Chime account due to security reasons

You cant open a Chime account due to security reasons because you are underage to have an account, you are not a US citizen, your SSN can’t be verified, your credit score is low, or your third-party verification is failed.

Chime is a popular Neo bank that serves the people of the USA. The online bank comes with a lot of features that a conventional bank finds hard to sport.

Chime bank lets users overdraft money even without asking for any kind of fees. And one of the best things about Chime is its 0.50% Annual Percentage Yield (APY). This particular offering is better than most of the banks in the USA.

It is really easy to open an account on Chime bank. You just need to verify your details, and you will be good to go. Chime has made banking really easy. You can do everything on your mobile device, from getting Chime bank statements to checking out your account balance and from getting a Metal Chime Card to applying for a card replacement.


Chime lets anyone open an account within a few minutes. But, sometimes, users report that Chime denied them from opening an account. This can happen due to a lot of reasons.

Here, we will be talking about all the reasons which might result in the rejection of your application.

1. Fake/Incorrect SSN

The first and most common reason why Chime denied your application is you have entered an incorrect SSN. You are required to enter the correct SSN, or you won’t be able to continue the procedure.

Opening a chime account is very easy; you just need to enter very basic information to get access. But in case you are facing rejection from Chime, this may be because you are entering the wrong SSN or there is a typing error. So, recheck all your spellings and digits before entering.

Chime asks for your social security number, and if you cannot provide an SSN, you may not get an account in Chime. Enter your SSN correctly. Please don’t use a manually generated SSN as it is unethical, and Chime never approves an account based on a fake or incorrect SSN.

Also, getting the services of a third party is discouraged. It is suggested not to do any of these things, and you won’t get your application denied by Chime.

Some apps can ban you for using a fake SSN. We suggest our readers never fall for any kind of claim. Fake or generated SSN doesn’t work.

#2 Incorrect Personal Details

While creating a Chime account, you will be asked to enter your personal details like name, address, and others.

Make sure you are entering all the details correctly. Sometimes, users mistype the details, and that might be the reason why Chime denied your application.

Also, always use your official name and address while creating an account. If Chime finds any discrepancy in the details, your application will be rejected.

#3 Another Chime Checking Account

If you already have a Chime account and re-entering your information to create a second one, you are wrong. Chime has high verification standards, and if you create another account, your application will be rejected because why make a second account when you already have an account in Chime. So, this could be another possible reason if you wonder why Chime keeps denying me.

#4 Third-Party Verification Failed

According to the official statement by Chime, it uses a third-party source to verify user’s personal info mentioned on the application. And in case the verification of the user’s details fails, the application for a new Chime account will be rejected for sure.

Chime also says, “This happens occasionally and is not necessarily a reflection on your eligibility.”

And as mentioned in the official Chime blog, they will be accepting other documents like Driver’s License, etc., for the verification procedure.

But, till then. Your personal details will be verified in the same way.

#5 Poor Credit Score

Before we start, we would like to mention that Chime has already stated that they do not perform any credit checks for the new users. According to this, you will be able to easily apply for a new Chime account even if you do not have a good credit score.

But in our opinion, Chime does a soft inquiry on an applicant’s credit bureau files. And if someone found out to be having a very low credit score, Chime might deny their application.

So, now you know, Chime performs credits checks of the new users.

#6 Applicant is Under-age

Chime has clearly mentioned in its official blog that the applicant must be 18 years old or more to be eligible to apply for the Chime bank account.

In case you fail to prove your age, your application will be rejected. And you won’t be able to create an account on Chime.

Chime and other banks only allow users having age 18 years or older to create a bank account. Minors are not allowed to hold a bank account in the USA.

#7 Applicant is not a USA Citizen

Other than the age criteria. The applicant must be a resident of the USA. And for any reason, if you fail to prove your US residency, Chime will deny your application for sure.

And that’s it.

These were all the reasons why Chime denies your application.

We have tried our best to put an explanation for all the possible reasons, but if you need any help, you can let us know in the comments section below.

Also, if you are looking for assistance in applying for a bank account, make sure to check out our guide below.

How can I avoid rejection from Chime?

cant I open a Chime account due to security reasons

Once you’ve identified the reasons for your application rejection from Chime, this is a repeatedly asked question and what you could do to fix or avoid it. If the cause of rejection is an existing Chime account with the same SSN you are using to create the second account, you first need to block or close the current account. After that, you can easily create a second account.

If you cannot understand the reason for rejection, then contacting the Chime customer support service is always an option. You can ask them about the reason for the refusal and try to fix it quickly to avoid further rejection from Chime.

And if you have tried everything but still not gotten an answer to why Chime keeps denying me, it is suggested that you should consult any other banking alternatives to Chime.

Why My Chime Account Is Suspended And How To Recover It?

Like many other finance companies, Chime also suspends the account of users without quoting reasons. Sometimes the suspension is notified, but in most cases, a user comes to know about the suspension after logging in. If you are unaware of the reasons, the following reasons can help you identify them.

Chime suspends your account if you try to log in using an illegal or unauthorized method.

Creation of more than one account to get illegal benefits from Chime services or products.

Using the personal Chime account for business dealings or providing wrong or fake information.

There are plenty of other reasons that cause the suspension of your Chime account, but how can you recover your Chime account? If you are sure you’ve not committed any serious violation of Chime terms and conditions, you can recover your account after contacting Chime customer support.

But if you’ve accidentally or on purpose gone against the terms and conditions of your Chime account, then there are no chances of getting your account recovered. If you have money in your Chime account, contact the customer support service and ask them to release the held money.

Fix: Why won’t Chime accept me

In the first part of this post, we mentioned all the possible reasons why Chime denies the application. If you haven’t checked the reasons, make sure to visit the first part of this post.

If you are aware of the possible reasons for rejection, you can proceed to the ways to fix it.

Go through each method and implement them before applying them again.

cant I open a Chime account due to security reasons

#1 Close Previous Chime Account

As mentioned in the first part of this post. Chime might be rejecting your application as you already have a Chime Account associated with the same SSN and personal details.

If you already have a Chime account, you will have to close it before you proceed.

Closing a Chime account is an easy procedure, but requires a few more steps.

You might want to follow our dedicated post on how to close Chime account.

#2 Maintain a Good Credit Score

According to the official blog, Chime doesn’t perform any credit checks on a user applying for a new Chime account.

But, in our opinion, Chime does a soft inquiry on the users.

And in case you have a very poor credit score, you will not be allowed to open a bank account in Chime.

The credit score parameter might have a lower weightage in eligibility criteria. But, it definitely has importance.

So, before even applying for the Chime card, make sure you have an average credit score.

#3 Contact Chime Support

If you have tried everything and still having the same issue. We suggest you contact the Chime customer care services.

To do this, simply go to the official Chime website and find the contact details of the support team.


The official Chime support number is 844-244-6363.

Contact the support team and ask them if there’s any issue from their end.

#4 Demand Rejection Notice

You must contact Chime customer services and ask them for a rejection notice. With a rejection notice, you will get to know the exact reason for the rejection of your application.

This is the best that can be done.

Find out the specific reasons and then the solution for it.

Apply only after making sure you have rectified things.

#5 Apply for another Bank

If you have tried every method mentioned in this list and still couldn’t get through the issue, one last thing can be done.

If you are just getting started, you should know that there are many alternatives to Chime bank out there like Current, Varo, etc.

If Chime is not allowing you to apply for an account, you can continue your banking journey with other options out there.

And that’s it.

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