Is Chime down right now?

Yes. HostTracker lets you add any URL - including third-party services you depend on, not just your own website - as a monitored target, and notifies you automatically the moment it becomes unreachable. Before sending an alert, HostTracker re-verifies a failure from multiple locations in its 300+-location network, so you're notified about real, confirmed outages rather than a single location's momentary blip. The free plan checks two monitors every 30 minutes indefinitely at no cost; paid plans check as often as once a minute, with alerts available through SMS, email, voice call, and several messenger apps.

The app and the card-authorisation path are different systems, so this combination is a real and recognisable pattern rather than a contradiction. It can mean an authorisation problem on Chime's side, a partner-bank issue, or something specific to that transaction - an available-balance difference caused by a pending hold, a limit, or a merchant type. Check the balance and any pending transactions in the app first, since a pending authorisation can reduce available funds below what the displayed balance suggests. If purchases decline everywhere at once and others report the same, it is more likely an incident than an account issue.

The practical answer is to have thought about it beforehand, because during an outage the options are limited: a mobile-first account has no branch to visit and the app is the access path that has failed. If the card still authorises, it may work even when the app does not, since those are separate systems. Cash already withdrawn and any secondary account or card become the fallback. Outages are typically short, and the deposits themselves are held at partner banks and protected accordingly - the risk during an incident is access and timing rather than the money itself.