You can close your Chime account online, by phone, or through the mobile app in a few minutes
Closing a Chime account is straightforward and takes about five minutes. You do not need to visit a branch or mail anything in — Chime has no physical locations. The process works the same whether you use the app, the website, or call customer service. Before you close, make sure you have withdrawn or transferred any money still in the account, since Chime will freeze it once the account is closed.
The account closure itself is permanent. Chime will not reopen it or recover it later, so be certain before you start. If you are closing because of a problem with the account or a fee you do not understand, customer service may be able to fix it instead — it is worth a quick call first.
Key Takeaways
- Withdraw or transfer all money from your account before closing, because Chime will freeze the account when ready and you cannot access the funds afterward.
- You can close through the Chime mobile app, the website, or by calling 1-844-244-6361, and the process takes about five minutes.
- Closing is permanent and cannot be reversed, so confirm you want to close before you begin.
- If you have pending direct deposits or automatic payments, they will fail after closure, so contact your employer and any companies you pay to update your banking information.
- Chime will send a confirmation email once the account is closed, and you should keep this for your records.
How to close through the Chime app
Open the Chime mobile app and log in. Tap the menu icon (three horizontal lines) in the bottom right corner, then scroll down and select "Settings." From Settings, choose "Account" and then "Close Account." Chime will show you a confirmation screen explaining that the closure is permanent and that any remaining balance will be frozen.
Read through the information and confirm that you want to close. Chime will ask you to select a reason for closing — this is optional, but the information helps them understand why customers leave. Once you confirm, the account closes when ready. You will receive a confirmation email within a few minutes.
How to close through the Chime website
Log into your Chime account at chime.com. Click on your profile icon or account menu in the top right corner and select "Settings." Navigate to "Account" and look for "Close Account" or "Account Closure." Click it and review the permanent closure warning.
Confirm that you understand the account cannot be reopened and that any remaining funds will be frozen. Select a reason if you choose to, then submit. The closure takes effect when ready, and you will receive a confirmation email.
How to close by phone
Call Chime customer service at 1-844-244-6361. A representative will verify your identity by asking for your name, the last four digits of your Social Security number, and possibly other account details. Let them know you want to close your account.
The representative will confirm that you understand the account will be closed permanently and that any remaining balance will be frozen. They will process the closure over the phone and send you a confirmation email. This method is useful if you have questions about the process or if you are having trouble closing through the app or website.
What happens to money still in your account
Any balance remaining in your Chime account when you close it will be frozen and inaccessible. Chime will not send it to you automatically. For this reason, you must withdraw all money or transfer it to another bank account before you close.
If you have a Chime debit card, use it to withdraw cash from an ATM or make a purchase to spend down the balance. You can also transfer money to another bank account you own by linking that account in the Chime app under "Transfers" and moving the funds. Once the account is empty, you can safely close it.
What to do about direct deposits and automatic payments
If your employer or a government agency sends you direct deposits to your Chime account, those deposits will fail once the account is closed. Contact your employer's payroll department or the agency sending the deposit and provide them with your new bank account number and routing number so they can update their records.
The same applies to any automatic payments you have set up — subscriptions, bill payments, loan payments, or transfers. Log into each service and update the banking information to your new account before you close Chime. If you do not update these, payments will bounce and you may face late fees or service interruptions.
How long it takes and what you receive
The account closure itself is when ready. Once you confirm through the app, website, or phone, the account is closed when ready and you cannot use it. Chime will send you a confirmation email within a few minutes of closure.
Keep this confirmation email for your records. It shows the date and time the account was closed and serves as proof if you ever need to dispute a charge or explain why a payment failed. If you do not receive a confirmation email within an hour, contact Chime customer service to confirm the closure went through.
If you want to reopen an account later
Chime does not reopen closed accounts. If you close your account and later decide you want to use Chime again, you will need to open a new account from scratch. This means a new account number, new debit card, and a new process process.
For this reason, if you are closing because of a specific problem — a fee you do not understand, a feature that is not working, or a question about how something works — call customer service first at 1-844-244-6361. They may be able to resolve the issue without you having to close.
Frequently Asked Questions
What happens to my Chime debit card after I close the account?
Your Chime debit card will stop working when ready once the account is closed. You do not need to do anything with the physical card — you can destroy it or leave it as is. Chime will not send you a replacement or reactivate it.
Can I close my account if I have a negative balance?
Chime may not allow you to close if you owe money on the account. Contact customer service at 1-844-244-6361 to discuss your options. You may need to pay the negative balance first, or they may work out a payment plan before closing.
Will closing my Chime account hurt my credit score?
No. Closing a checking or savings account does not affect your credit score. Credit scores are based on credit accounts like credit cards and loans, not deposit accounts. Closing Chime will have no impact on your credit.
How do I know if my account is actually closed?
You will receive a confirmation email from Chime within a few minutes. You can also try logging into the app or website — if the account is closed, you will not be able to log in. If you do not receive a confirmation email within an hour, call customer service to verify.
Can I close my account if I have pending transactions?
Chime may not allow closure if there are pending transactions. Wait for all pending charges to post, then close the account. If you are having trouble closing because of pending items, call customer service and they can help you resolve them first.