[Fix] Why can’t I open Chime account due to security reasons

You can’t 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.

Does Chime deny your application?

Are you having issues in opening a new Chime account?

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.

Moreover, you will find a detailed guide to help you apply for a Chime account.

Why can’t I open Chime account due to security reasons

You can’t open 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 check out account balance and from getting a Metal Chime Card to apply 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 the 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.

Sometimes, users try to enter a manually generated SSN. Well, this has never worked and will never work. If you are using a third-party website to generate a SSN, you will never be able to create an account on Chime or anywhere else.

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

Sometimes, Chime denies you if they find that an account associated with the same SSN and personal details is already present on their platform.

Well, it doesn’t make sense as well. Why would you need another account in the same bank?

If you are doing it by mistake, you now know that it is not possible to open an account associated with the same person and the same details in the same bank. This might be the reason why Chime is declining your application.

#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.

SEE ALSO: How to close Chime account & delete it

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 again.

#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 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.

Now you know all the methods to fix the issues with the Chime account application.

If you have any related doubts, you can ask us in the comments section below.


1. Why did Chime deny my application?

There are many reasons why Chime denied your application for a new account. You might have entered the wrong personal details, and you are not a US citizen, you have a poor credit score, you failed third-party verification, and much more.

2. Declined for Chime account, what to do?

You cannot apply for a new account or get declined for Chime account; again and again, there are a few things to do. Apply with correct details, previous close account, do not use fake SSN, or if nothing works, you should try to open an account in a new bank.

For more insights, you should check the second part of this guide.

Final Words

And that’s guys.

Here, in this post, we first mentioned all the possible reasons why Chime might have denied you.

Whereas, in the second part, you learned how to fix Chime ‘denied me for security reasons’ query.

Hope you understood the issue and will be able to fix it using our guide.

Further Reading:

Is it Possible to Increase Chime Spending Limit (2021)

How to transfer money from Netspend to Chime

[Fixed] Why is my Chime card being declined

Why is my Chime Spot Me not working (6 Reasons)

How to check Chime balance & Chime card balance