Is Chime down right now?
HostTracker's monitoring network reached chime.com and completed a full check without errors. It has been up for 15d 16h.
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Checking chime.com right now
A fresh check, started when you opened this page - each probe runs its own independent DNS, TCP, TLS and HTTP request. Anonymous runs sample the network; a signed-in account checks from more locations.
Incident history
LAST 90 DAYSNo incidents recorded in the last 90 days.
About Chime outages
Written by the HostTracker monitoring team · updated from live probe data.
Chime is a primary bank account for a large number of its users rather than a secondary wallet, which raises the stakes of an outage considerably: when the app is unavailable there is often no branch, no second card and no alternative way to reach the money. Its failures split between the app itself and the card-authorisation path, and the second is the one that hurts - a card declining at a checkout while the app looks fine. Because Chime operates with partner banks that hold the deposits and process transactions, some incidents originate at that layer rather than in Chime's own systems, which is invisible from the customer's side but explains why certain outages affect payments and balances rather than the interface.
Common causes of Chime downtime
Card authorisation and transaction-processing failures that decline purchases while the app remains usable
Partner-bank incidents affecting balances, transfers and settlement behind the scenes
Direct-deposit and payment-posting delays, especially around paydays and banking holidays
App login and verification problems that lock users out of an otherwise healthy account
Not sure whether it's Chime or your own connection? Read the full breakdown in our website down checker guide for a general walkthrough of diagnosing any outage, from DNS failures to expired certificates.
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Questions people ask during an outage
The live probe run on this page tests chime.com from a broad sample of HostTracker's 300+-location monitoring network - many independent networks at the same moment, rather than just your own connection. If every location fails to reach it, the outage is real and affects everyone; if only a few locations fail while most load normally, the problem is local to those regions or networks rather than Chime being fully down. A single refresh from your own browser can never make that distinction, because it only ever tests from one vantage point on one network.
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.
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