Are you looking for an answer to Why won’t Chime let me make an account. Here’s everything you need to know.

Did you try to create an account on Chime but got denied? There could be a number of reasons behind why you got denied creating an account on Chime. So if you’re still confused about why your attempt to register an account was denied, you’re in just the right place.

In this article, we’ll be talking about the probable reasons behind Chime denying you the opportunity to create an account and how to get over these issues so you can join the ever-growing community of people using this online financial technology company.

There are many possible reasons behind you getting your account creation denied by Chime, but some common reasons could help you understand the problem. The issue might be due to some incorrect personal information, failure in verification, nationality, etc. Let’s look at these issues and why they play a role in why Chime won’t let you make an account. 

Reasons Why Won’t Chime Let me Make an Account

If you’ve been trying to create an account on Chime, but your attempt keeps getting denied by the company, you might be feeling pretty fed up with this situation. Well, no need to fret because we’ll be discussing some major reasons behind people asking about a reason why chime restricts them from making an account.

So before we take a look at the reasons that might be behind you facing rejection on your attempt to create a Chime account, I’d like to add that knowing the problem is only half the battle. The important question is: “How do I fix this issue so that I can get my Chime account created?” 

We’ll also be discussing some tried and tested methods of fixing any issues you could be facing while trying to create a Chime account. If you’ve successfully identified the problem you’re facing in creating your Chime account, you can use the solution corresponding to that problem. 

1. Your Social Security Number Is Incorrect

Chime requires you to put your Social Security Number (SSN) in the application when you’re applying to create a Chime account. If your attempt to create a Chime account has been denied, it could be due to you have entered a wrong/fake Social Security Number.

So what to do if this is the reason your attempt to create an account was denied?

  • You can try again while taking extreme care to input the correct Social Security Number in the corresponding field in the application form.
  • You’ll need to ensure that all your Social Security Number characters are not mistyped or misplaced.

2. Your Personal Information Is Incorrect

Another common reason people get denied from creating accounts on Chime is that the personal information added is sometimes incorrect or doesn’t match your other credentials.

If you are wondering why won’t Chime let me make an account online, this could be due to either typing errors or fake credentials.

Why Won't Chime Let me Make an Account

If your account creation was rejected due to incorrect personal information, you should take extra care when adding such information the next time you’re trying to create an account on Chime.

In order to solve this issue, you’ll need to

  • Take extra care that the name you add to your application corresponds to the full name you have on your official documents.
  • Any differences, even in spelling, in your name might lead to you getting denied an account on Chime.

3. There Already Is A Chime Account In Your Name

According to the terms and conditions set by Chime, you can only have one Chime account in your name. So if your attempt to create a Chime account was denied, it could be because you already have a Chime account in your name. 

Usually, a single Chime account is enough for one person, but if there’s some problem with your original account, you still won’t be able to open a new Chime account as long as that one is in your name. So if you already have a Chime account, your application for the creation of a Chime account will get rejected.

  • You can still use your old account.
  • If you want to create a new account, you can delete the old one by contacting Chime Customer Support.
  • After that, you’ll be able to create a new account.

4. Your Data Verification Via Third-Party Failed

To verify the data you give when creating your account, Chime uses a third-party source. If that third party finds any discrepancy in the details you’ve provided, it alerts Chime, and your application gets rejected. So if your attempt to create a Chime account got rejected and you are wondering why won’t Chime let me make an account, this might be the reason behind it.

If your verification through the third-party source fails to come through, you should do the following:

  • Check to see if the credentials you provided Chime in your account opening application are correct.
  • If there’s some discrepancy, you can correct that and apply for a Chime account. 

5. This problem can occur even if you input the correct information.

  • In such cases, the problem usually can be solved when you apply again.
  • Hopefully, you’ll successfully get a Chime account after this step.

6. You’re Under The Legal Age

One of the basic requirements of creating a Chime account is to be of legal age, meaning that you’ll need to be at least 18 years old if you want to create an account on Chime. So this might be the reason why your attempt to register a Chime account got rejected.

Since Chime requires people signing up to be more than 18 years of age; if you’re not at the requisite age yet, you can follow these steps.

  • You’ll need to wait until you reach the legal age.
  • You can ask your parents or guardians to allow you to use their account.
  • Even if you’re legally emancipated, Chime will probably not let you make an account till you are at least 18 years old.

7. You Don’t Have US Nationality 

If you want to get a Chime account created in your name, you need to be a United States of America resident. Chime doesn’t offer its services outside the US, so if you’re not a US resident and were trying to create a Chime account, you would have been denied an account with Chime.

If you’re a non-US citizen

  • You’ll not be able to create a Chime account.
  • If you want to use an alternative payment platform, there might be other options available in your country of residence.
  • Go take a look at these options and see if any look good for your usage. Hopefully, you’ll find a good service provider.
  • Chime, as of yet, has announced no plans to expand its operations beyond the US soil. 

Frequently Asked Questions: Why Won’t Chime Let Me Make An Account

1. What do I need to open a Chime account?

A: There are some major requirements for opening a Chime account. These include a Government-Issued ID like a driver’s license or a Passport. Other than that, you’ll need

  • A Social Security Number
  • Proof of address
  • Contact information
  • Opening deposit 

2. Can I add my child to my Chime account?

A: Chime, as of yet, doesn’t offer joint accounts or secondary cards. However, according to Chime, they are actively working to introduce a feature that can help you share your Chime account with your spouse, kids, or other dependents.

3. Is Chime a real bank?

A: You should keep in mind that Chime is a financial technology company, not a bank. And yes, there is a difference between the two, but that is outside the scope of this article. The Bancorp Bank or Stride Bank issues the banking services and debit cards you get from Chime.

Why Won’t Chime Let me Make an Account: Conclusion

As we’ve discussed above, there are many reasons why your request to create a Chime account could have been denied.

In most cases, there are some handy solutions you can use to get yourself out of these binds, and we’ve tried to include all such hacks and tricks in this article. 

Hopefully, you’ll be able to identify the problem you’re facing in this regard and will find a solution from this article. Still, in case your specific problem or its solution hasn’t been discussed here, you can drop a comment or reach out to us so that we know what other problems people face when they try to open a Chime account.

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