Go into your settings in the top left, scroll down to credit builder and turn on safe building. When you go back to your main screen it will show credit builder balance as that amount. The button will be labeled 'I want to start smaller', then it will give you your available increments to put in.
There is a button there that says 'MOVE MONEY TO CREDIT BUILDER', it's going to ask you if you want your deposits put in- hit no. So when you go into chime app you'll see the top balance and it's going to be your credit builder account balance, below that will be your spending balance. OK so here is how it works: Money you put into chime goes into your spending account, your credit builder account is different.