We may earn a commission for purchases through links on our site, Learn more.
So you’ve decided to close your chime account and want to delete your account safely but how do you close it, though? If you are a Chime user and you wish to close your account, you will need to follow the steps in this article.
When you close your Chime account, you will lose access to your account immediately. This means that you won’t be able to use your Chime Visa debit card, and any direct deposit or payroll that is scheduled to go into your account may not go through.
If you have a balance in your account, you will need to withdraw it before closing your account. You can do this by transferring the funds to another bank account, or by requesting a check from Chime to be sent to the mailing address in your account record. Once your account is closed, you will no longer have access to your account history or any of the other features that Chime offers.
It’s important to note that you can’t close your Chime account if you have a negative balance or pending transaction, such as a direct deposit that hasn’t gone through yet. You’ll need to wait until all transactions have cleared before you can close your account.
If you’re sure that you want to close your Chime account, the best way to do it is to contact customer service. You can reach customer service by phone at 1-844-244-6363, or by email at support@chime.com.
How to Delete a Chime account
Follow the step by step below to permanently delete your Chime account:
Empty your Chime account balance
If you’re planning on deleting your Chime account, you first need to make sure that your account balance is empty.
To empty your account balance, you can either transfer the money to another account or withdraw it in cash. If you choose to transfer the money, you’ll need to provide the account information for the account you’re transferring to using the “Transfer Funds” feature under Move Money in the Chime app or online. If you choose to withdraw the money in cash, you’ll need to go to a Chime ATM and withdraw your remaining balance using your Chime card. Another option is to transfer your remaining balance to a Cash App or PayPal account, depending on your choice.
After you complete the transfer, it may take up to 3 to 5 business days for the funds to appear in your linked account. Ensure that you receive your funds before you proceed to close your Chime account.
Unlink your accounts
Once your account balance is empty, you’ll need to unlink your various connected accounts from Chime – such as cards, regular payment transfers, or subscriptions you’ve signed up for. Otherwise, you may be charged a fee for any incoming future transfer. Regular payments can still be live even on an inactive Chime account.
To do this, go to every linked account and card in your Chime app and unlink any accounts that are still linked. Once you have unlinked your accounts, you can go ahead and delete your Chime account.
Close your Chime account
If you have the latest version of the Chime app on your iPhone or iPad, you can follow the steps below to close your Chime account through the Chime app. If you’re using an Android device, you’ll need to contact Chime support to close your account. For Apple device users:
- Log in to your Chime account on the app and tap the gear icon to open “Settings.”
- Tap the “Edit” link in Personal Info
- Tap “Close account.”
- A “Close my account” message will pop up requesting that you verify your identity if you wish to proceed with closing your Chime account. You’ll be asked to enter the last 4 digits of your Social Security number.
- Tap the “Submit request” button to complete the process of closing your account. You’ll see a pop-up confirmation message that reads, “Your request has been submitted.”
If you are an Andriod user and you want to close our account, you should contact Chime support at 1-844-244-6363, or email support@chime.com.
Your Chime account will be closed within 5 business days of the date you requested to delete it.
Keep in mind that once your account is deleted, you won’t be able to recover any of your account information or transaction history.
Does Chime delete inactive accounts?
Chime does not delete inactive accounts. If you have not used your Chime account in a while, your account may become dormant. Dormant accounts can still be reactivated by logging in and completing a transaction.
Are there fees when closing a Chime account?
When you close your Chime account, there are no fees associated with doing so. You will, however, need to avoid a negative balance so you don’t incur any fees before your account is fully closed.
How to close a Chime savings account
The process of closing your Chime savings account is simple if you are using an Apple device:
- Log in to your Chime account on the app and tap the gear icon to open “Settings.”
- Tap the “Edit” link in Personal Info
- Tap “Close account.”
You will be asked to confirm your decision to close the account. Once you do so, your account will be closed and any remaining funds will be transferred to your Chime checking account.
If you’re using an Android device, you’ll have to contact support through your Chime app to speak with a representative and close your Chime saving account.
Can you reopen a closed Chime account?
No, you cannot reopen a closed Chime account. Once an account is closed, it cannot be reopened. However, if your account was suspended or closed by Chime without any reason, your best bet is to get it in touch with Chime directly by emailing them at support@chime (dot) com or calling 844-244-6363 to find out the reason and exactly what you need to do to reopen or reactivate your account.
Can you close a Chime spending account and open a new one?
Yes, you can close your current Chime spending account and open a new account. However, it’s worth knowing that you can’t have two separate Chime accounts. If you want a completely new account, you will first need to cancel the old one.
Why can’t I delete my Chime account?
There are a few reasons why you may not be able to delete your Chime account. The first reason is that you may not have completed the account deletion process. To delete your Chime account, you must first log in to your account, go to the account settings page, and then tap on “Close Account.”
The second reason why you may not be able to delete your Chime account is that you may have an outstanding or negative balance on your account. To delete your Chime account, you must first pay off any outstanding balance.
The third reason why you may not be able to delete your Chime account is that you may have a pending transaction. To delete your Chime account, you must first cancel any pending transactions or wait until these transactions are settled.
If you have completed all of the above steps and you are still unable to delete your Chime account, then it is possible that Chime has placed a hold on your account. This hold may be due to suspected fraudulent activity or a violation of the Chime Terms of Service. If your account is on hold, you will need to contact Chime customer support to have the hold removed.
How to cancel your Chime debit card
If you need to cancel your Chime debit card for any reason, follow these steps:
- Log in to your Chime account online or via the mobile app.
- Tap the gear icon to open “Settings.”
- Go to the “Card” tab to find the option “Replace Your Card.”
- Follow the prompts to complete the process
- You will be prompted to confirm your decision. Once you do, your card will be canceled.
How to cancel a Chime Credit Builder account
There are many reasons why you may choose to close your Chime Credit Builder account. Perhaps you have found another credit builder that better meets your needs, or maybe you have decided that you no longer need a credit builder. Whatever the reason, if you decide to close your Chime Credit Builder account, there are a few things you need to do.
First, you will need to pay off any outstanding balance on your account. Once you have paid off your balance, you can then close your account by contacting Chime customer service. Be sure to have your account information handy when you call, as they will need to verify your identity.
By following these steps, you can successfully close your Chime Credit Builder account.
How to cancel direct deposit on Chime
There are a few reasons why you might want to cancel a direct deposit. Maybe you switch jobs and need to set up a new direct deposit with your new employer. Maybe you’re moving and need to change your bank account. Whatever the reason, you can easily cancel a direct deposit.
Chime is a popular banking app that offers direct deposits. However, there is no way to cancel a direct deposit on Chime. You will need to contact the institution where you initially set up the direct deposit and have them cancel it or replace Chime with a different account. This can be your employer or the government agency that handles your benefits.
It’s important to note that you can’t just stop a direct deposit from going into your Chime account. If you need to cancel a direct deposit on Chime, make sure you also cancel it with the institution that is sending the money
Note that you will no longer receive your paycheck via direct deposit into Chime, but you can still access your account and use your Chime Visa debit card to make purchases or withdraw cash from ATMs.
Bottom line
It’s very easy to close a Chime account but before you delete your account, you need to first empty your account balance by transferring your remaining money to your bank account or other financial platforms such as PayPal or Cash App. Next is to cancel any outstanding direct deposits and/or automatic payments linked to your account. Another thing you need to do before you close your Chime account is to make sure your account does not have a negative balance or any pending transactions.
Next, follow the steps above to close your Chime account. You will be asked to confirm your decision to close your account. Once you have confirmed, your account will be closed and you will no longer be able to use your Chime card.