Established in 2013, Chime is one name that definitely doesn't need words of introduction. As we all know that Chime is a bank based in America. It tops the list of best neobank (online bank) available in the US. As a result of offering a broad range of quality services, Chime has gained a huge database of happy customers in a short period of time. As you are reading this post, chances are quite high that you also want to learn how to open a Chime bank account in simple steps. If so, look no further, as right here in this post, you will get to learn everything that you need to create a brand new account in Chime.
To help you understand the simple steps from downloading the Chime app to applying for a card, everything I am going to explain right below here. If you are paying annual fees & various monthly charges to your bank for basic services, it's time to change your bank. And pick up Chime bank as your personal online payment app. So, as we always do, let's start with some basics:
Do you need money to open a Chime account?
People who are thinking of opening a Chime bank account, for them I have got good news. And the good news is that you don't require to pay anything as sign up is totally free on Chime. That's not all, the process to open a Chime account is quite simple and straightforward that you can follow at your own with ease of mind. In fact, I really got impressed, when I opened my brand new account. All those simple steps I have mentioned in the next section.
The best part of Chime is that it allows you to create and set up your account online. In just a few simple steps, you can complete the sign-up procedure and avail the fast, safe, and reliable online banking services. Before we walk through the simple steps, find what you need to open an account on Chime.
Government Approved ID Card: As it happens with all other banks, Chime also has made it mandatory to share any government-approved id card. Documents such as passport and driver license are acceptable with Chime.
Social Security Card: Second most important document that every person needs is the Social Security Card. To get the maximum advantages, it is important to have and share your SSC while creating a Chime bank account.
Valid Email Id and Phone Number: To stay updated all the time, you will also require to have a valid phone number and an email id.
Present Address Proof: Last but not the least, for hassle-free banking services, make sure you have any valid address proof. Things like utility bills, lease, and billing statements will do as your valid present address proof.
If you have all the above mentioned supportive documents, you can download Chime App or navigate to the official website- Chime.com. Now the next step is to click on the "Get Started" tab available at the right side of the screen. Enter your first and last name. In the next field, type your email id and then click the "Next" button. Now follow the simple step by step on-screen instructions. In the middle of the process, you will be prompted to enter and upload your various documents as mentioned above.
Why did I deny the Chime account? Possible reasons & solutions
One of the most common reasons following which many people are denied a saving account is poor banking history. Actually, like all other banks, Chime also gives importance to the credit score of users. It may be a good idea to pay back all of your past loans and clear the pending amount. Doing so will improve your credit score and ChexSystems will pass on the positive review to Chime bank about your credit score.
Moreover, if you are going to open your first ever account, then the chances are high that you might have shared unclear photo id proof. Also, any kind of problem with your SSN and present address proof may prevent you from opening a bank account in Chime successfully.
So, that's how you can open a Chime Bank Account in simple steps. Also, be cautious while uploading all of your necessary documents. We are sure if you follow all the steps carefully, you will not have to face any kind of issue. In case, if you face any kind of error, you can get in touch with us for quick assistance.