You can close your Chime account by calling customer service or using the mobile app, and the process takes a few minutes
Closing a Chime checking account is straightforward. You contact Chime, confirm you want to close the account, and they handle the rest. There is no fee to close, and you do not have to visit a branch or mail anything in. Most people close their account in one phone call or through the app.
Before you close, make sure any pending deposits or transfers have cleared, and that you have moved money out if you want to keep it. Chime will not hold your remaining balance — they will send it to you — but it is easier to move it yourself while the account is still open.
Key Takeaways
- You can close your Chime account by calling 1-844-244-6361 or through the Chime mobile app without visiting a location or paying a fee.
- Clear any pending transactions and move your remaining balance to another account before closing, since Chime will send it to you by check or transfer if you do not.
- Chime will deactivate your debit card when ready when you close the account, so plan ahead if you use it for regular payments.
- After closing, keep your account number and routing number in case you need them for tax documents or to dispute old transactions.
Closing your account by phone
Call Chime customer service at 1-844-244-6361. Have your account number or the phone number linked to your account ready. Tell them you want to close your checking account.
Chime will ask you why you are closing and may offer options to keep the account open — you can decline. They will confirm your identity, verify that you want to proceed, and then close the account. The debit card linked to that account stops working when ready.
Ask Chime how they will return any remaining balance. If you have money in the account, they typically send it by check to your mailing address on file, or they can transfer it to another bank account if you provide the details. This can take five to ten business days.
Closing your account through the mobile app
Open the Chime app and go to the account settings or profile section. Look for an option labeled "Close Account" or "Account Settings." Tap it and follow the prompts to confirm you want to close.
The app will ask you to verify your identity and confirm the closure. Once you complete these steps, your account closes and your debit card is deactivated. You will receive a confirmation in the app and by email.
If you have a remaining balance, the app will show you how Chime will return it. You can usually choose between a check sent to your address or a transfer to another bank account during the closing process.
What happens to your remaining balance
Any money left in your Chime account after you close it does not disappear. Chime will return it to you, but the method depends on what you set up during closing. If you provided another bank account, they will transfer the balance there. If not, they send a check to your mailing address.
Transfers usually arrive within five to ten business days. Checks can take longer depending on mail delivery and your bank's processing time. If you do not receive your balance within two weeks, contact Chime to confirm they have your correct mailing address or bank details.
What to do before you close
Stop using your Chime debit card for automatic payments at least a week before closing. If a payment tries to go through after the account closes, it will be declined. Update any subscriptions, bill payments, or recurring charges to a different payment method first.
Check that any deposits you are expecting have arrived. If your paycheck or a transfer is pending, wait for it to clear before closing. Once the account is closed, deposits cannot go into it.
If you have a Chime savings account linked to your checking account, closing the checking account does not close the savings account. They are separate. You will need to close the savings account separately if you want to close that too.
After your account is closed
Your Chime debit card will not work anywhere once the account closes. Destroy the card or cut it up so it cannot be used by someone else.
Keep your account number and routing number for your records. You may need them later if you receive a tax form (like a 1099 for interest earned) or if you need to dispute a transaction that happened while the account was open. Chime can provide these numbers if you ask, but it is easier to write them down before closing.
If you signed up for direct deposit through an employer or government program, update your banking information with them so future payments go to your new bank. This can take one or two pay periods to take effect, so plan ahead.
Frequently Asked Questions
Will I lose money if I close my Chime account?
No. Any balance in your account will be returned to you by check or transfer to another bank account. You choose the method when you close. The only cost is if you have pending transactions that fail after closing, so clear those first.
Can I reopen a Chime account after closing it?
Yes. You can open a new Chime account anytime, even if you closed one before. You will go through the same signup process as a new customer. Your old account and history will not transfer to the new one.
What if I have a pending direct deposit when I close?
A pending direct deposit will be rejected if the account is closed before it arrives. Contact your employer or the organization sending the deposit and update your banking information to your new bank before closing Chime.
Do I have to close my Chime savings account too?
No. Your Chime savings account is separate from your checking account. You can keep the savings account open or close it separately. If you want to close both, you will need to close each one individually.
How long does it take to get my money back after closing?
If Chime transfers your balance to another bank account, it usually takes five to ten business days. If they send a check, add mail delivery time on top of that. Contact Chime if you do not see the money within two weeks.