Where does the 24463 text message come from?
24463 is Chime’s official short code.
It’s used for two-factor authentication, transaction alerts, and fraud warnings.
The code itself is legitimate—but scammers can mimic it. If a message asks for your password, PIN, or SSN, or pushes you to click a link, it’s not from Chime.
Who owns the short code 24463?
- Owned by Chime (Financial Technology Company)
- Used for transactional SMS messages
- Confirmed across Chime’s help center, social media, and public directories.
This checks out across multiple independent sources. Chime’s help center confirms they use two short codes for SMS, with 24463 being designated for transactional communications.
Public short code registries also list 24463 as registered to Chime. And Chime’s verified X (Twitter) account has told customers directly: “Official SMS from Chime will come from 24463.”
Why you got a text from 24463
- 2FA codes—you (or someone) logged in to a Chime account tied to your number.
- Transaction alerts—real-time notifications when a Chime Debit Card is used.
- Fraud alerts—warnings about suspicious activity or declined charges.
- Account notifications—balance updates, direct deposit confirmations, banking activity.
The 2FA codes are the most common reason people search for this number. When you log in or update account settings, Chime sends a six-digit code from 24463 to verify it’s you. Standard stuff.
Transaction alerts are powered by Chime’s real-time security features—so you “always know what’s happening with your money.” Every swipe of your Chime Debit Card can trigger a notification from this number.
Fraud alerts work the same way. If Chime detects something unusual—like a transaction from an unexpected location—they’ll flag it. Reddit users in r/chimefinancial confirm receiving legitimate fraud alerts from 24463.
One thing worth noting: Chime uses a different short code—78740—for marketing messages like promotions and company news. If you’re getting alerts about actual account activity, it’ll come from 24463.
Is the 24463 short code safe or a scam?
Threat Level: MODERATE
- You requested a code → safe, use it and move on
- Verification code you didn’t request → suspicious, don’t share it
- You’re not a Chime customer → likely harmless, wrong number
- Message asks for your password, PIN, or SSN → scam
The short code is legitimate. The concern is what’s inside the message.
Routine verification codes and transaction alerts don’t ask for sensitive data. But when you receive an unexpected code, it means someone might have typed your phone number into a login form—and that code is the last thing stopping them from getting in. Could be a typo. Could be an account takeover attempt. Don’t share it either way.
Reddit users report exactly this—receiving codes for accounts they never created. If you don’t have a Chime account at all, another customer probably mistyped their number during signup.
If the message asks for your password, PIN, full Social Security number, or includes a link urging immediate action—it’s a scam. Even if your phone displays “24463” as the sender.
How to spot a 24463 phishing scam
Scammers have learned to impersonate legitimate services like Chime. UC Santa Barbara’s IT department even flagged fraudulent bank accounts linked to stolen employee data—specifically mentioning Chime in their security alert.
Chime’s phishing guidance breaks down how to identify these attempts. The bottom line: any text that uses urgent language designed to bypass your critical thinking is a red flag.
What Chime will never do via text
Chime’s help center is clear on this. They will never:
- Ask for your password
- Request your PIN
- Ask for your full Social Security number
- Tell you to share verification codes with anyone—including “Chime representatives.”
If a text from “24463” does any of these things, it’s not from Chime.
What to do if you receive a text from 24463
If you’re a Chime customer:
- Check if you recently tried to log in or make a transaction. If yes, the code is legitimate—use it.
- If you didn’t request anything, log in directly through the official Chime app. Never through a link in a text.
- Review your account activity. Look for unauthorized login attempts or transactions you don’t recognize.
- Change your password immediately if something looks off. Enable two-factor authentication if you haven’t already.
If you’re not a Chime customer:
Someone probably mistyped their phone number. Ignore the message—the code will expire quickly. If texts keep coming, contact Chime Member Services at (844) 244-6363 to let them know.
If the message seems suspicious:
Don’t click any links. Don’t reply. Don’t call any numbers provided in the text. Forward the message to 7726 (SPAM) to report it to your carrier, then contact Chime directly at (844) 244-6363.
- Change your Chime password immediately through the official app.
- Check your account for unauthorized transactions or profile changes.
- Contact Chime Member Services at (844) 244-6363 to report the incident.
- Monitor your account closely for the next several weeks—and consider placing a fraud alert on your credit reports if you provided personal information.
Chime’s two short codes
If you’re unsure which type of message you received, this table should clear it up. Security-related texts always come from 24463.
| 24463 | 78740 | |
| Type | Transactional | Marketing |
| Used for | Alerts, 2FA, security | Promotions, news |
| Priority | High—do not block | Optional |
Not receiving texts from 24463?
Sometimes 24463 gets blocked on your phone without you realizing it. Here’s how to fix it:
- Check your phone’s “Blocked Contacts” list—make sure 24463 isn’t on it
- Confirm your phone plan supports “Premium SMS” (some basic plans block these by default)
- Text START to 24463 to opt back into alerts if you previously opted out
Chime’s troubleshooting guide walks through additional steps if none of the above works.
Managing your 24463 messages
- Text START to 24463—resumes alerts if you stopped them
- Text STOP to 24463—opts out completely (not recommended for security notifications)
- Text HELP to 24463—gets you info about the service
FAQ
What is the text code 24463?
It’s Chime’s official transactional short code. They use it to send two-factor authentication codes, transaction alerts, fraud warnings, and account notifications. Think of it as Chime’s channel for time-sensitive account information.
Why did I get a random text with a verification code from 24463?
Three possibilities: you (or someone with your phone) tried to log in to Chime, someone mistyped their phone number during signup and accidentally entered yours, or someone is attempting to access your account. If you have a Chime account and didn’t request a code, check your account activity immediately through the official app. Never share the code with anyone.
Is this a scammer text if it’s from 24463?
The short code itself is legitimate, but scammers can spoof sender IDs to make fraudulent texts look like they came from 24463. Focus on the message content. If it asks for your password, PIN, Social Security number, or wants you to click a link—it’s a scam, regardless of what number appears as the sender.
What is the Chime text number for different types of messages?
Chime uses 24463 for transactional messages (security codes, alerts, fraud warnings) and 78740 for marketing communications (promotions, news). Their official customer service number is (844) 244-6363—use this if you need to speak with someone about your account.
What should I do if I clicked a link in a suspicious text from 24463?
Change your Chime password immediately through the official app. Enable two-factor authentication if it’s not already active. Check your account for unauthorized transactions or profile changes. Contact Chime Member Services at (844) 244-6363 to report the incident. Monitor your account for the next several weeks, and consider placing a fraud alert on your credit reports if you shared personal information.
