How to Cancel Your Chime Account: A Straightforward Guide

If you’ve switched to a different bank or just want to close unused accounts, this is how you can close your Chime account step by step—no surprise, no hassle.

Table of Contents

• Closing via the Mobile App
• Phone & Email Support Options
• Preparing Your Account for Closure
• Handling Your Remaining Funds
• What to Expect After You Close
• Common Pitfalls & Pro Tips
• Frequently Asked Questions

Closing via the Mobile App

Open the Chime app and tap on Profile > Personal Info > Close Account. You’ll follow on-screen prompts to verify your identity and confirm any remaining balance or linked services. In just a few taps, your closure request is submitted.

Phone & Email Support Options

If you prefer talking to someone, call Chime’s Member Services at 1-844-244-6363.They’re available around the clock—just let them know you want to close your checking or savings account. Alternatively, send an email to [email protected] with your full name and the email tied to your account for quick processing.

Preparing Your Account for Closure

Before you shut down your Chime account, unlink direct deposits—payroll, benefits, or side-gig payments—and cancel subscriptions tied to your Chime card. Look for pending transactions or automatic transfers: if they fail, you might miss a paycheck or incur late fees.

Handling Your Remaining Funds

Chime holds any outstanding balance for about 14 days after you’ve requested to close so that transactions can settle. They then mail you a check—usually within 30 days of your request. To get faster access to your money, move the whole balance out before closing, either through ACH transfer or Chime’s instant transfer feature.

What to Expect After You Close

Chime generally gives you a minimum of five days’ notice before finalizing an involuntary closure, but voluntary closures through the app can happen faster. Once closed, your account can’t be re-opened—you’ll have to fill out a new application if you change your mind.

Common Pitfalls & Pro Tips

• Overdrafts with Negative Balances: Pay off any SpotMe® overdrafts before closing to keep things running smoothly.
• App Version: If you can’t find the “Close Account” link in Personal Info, upgrade to the latest app.
• Proof of Closure: Save a screenshot of your confirmation and date it in case you might need it in the future.
• Transaction History: Download your statements or transaction history for your records—once the account is closed, that data disappears from the app.

Frequently Asked Questions