{"article":{"id":25316419306775,"url":"https://plaid.zendesk.com/api/v2/help_center/en-us/articles/25316419306775.json","html_url":"https://support.plaid.com/hc/en-us/articles/25316419306775-Why-do-Chime-s-Credit-Builder-accounts-not-return-transfer-transactions","author_id":1525465241581,"comments_disabled":true,"draft":false,"promoted":false,"position":0,"vote_sum":0,"vote_count":0,"section_id":25287135165847,"created_at":"2024-07-31T19:38:51Z","updated_at":"2026-06-01T01:59:51Z","name":"Why do Chime's Credit Builder accounts not return transfer transactions?","title":"Why do Chime's Credit Builder accounts not return transfer transactions?","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-06-01T01:59:51Z","user_segment_id":null,"permission_group_id":1121774,"content_tag_ids":[],"label_names":[],"body":"

The data that we receive from Chime’s API does not return transactions for transfers into Credit Builder accounts, so these specific transactions will not be returned through our Transactions endpoint. Other transactions will still be accessible and other Chime account types are not impacted.

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The Chime Credit Builder product is two different accounts working together: a secured deposit account (SDA) and a secured credit account (SCA). Because of how these accounts interact to create the Credit Builder product, Chime's API does not include transfers between them.

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When reconciling, expect funded amounts to reflect in the SDA and SCA available/current balance fields even though no corresponding transfer transactions will appear via /transactions/sync or /transactions/get.

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