How to Close a Chime Account

Posted by in Financial Apps | Updated on November 15, 2022
At a Glance: To close a Chime account, you should first unlink all of your accounts. After that, you can either send them an email at [email protected] or call them at 1-844-244-6363.

But if you’ve tried Chime and you don’t need it anymore, you may have decided to close your account. How to close a Chime account, though?

How to Delete a Chime Account

Chime is great in many aspects. For instance, it makes it possible for you to quickly transfer money between accounts, which makes it easier to send or receive cash. Friends or family members with Chime accounts will be able to send money to you or receive money from you as well. What’s even better is that there are no hidden fees.

Still, despite these benefits, you may decide to stop using Chime at one point, particularly if you do not need it anymore. Things can get a bit complicated, though. On the Chime website, you will not find a lot of guidance that will help you close your account. So, here are the steps that you need to take for a Chime account closure:

Start Unlinking Your Accounts

Unlinking your accounts from Chime is the very first step that you should take. Although you may not be in the mood to take this extra step, it is necessary if you want to avoid potential extra fees that will come as a result of the money being moved.

Accounts linked to Chime may be different cards, as well as other banks. Since the additional fees can be quite a hassle, it is important to take care of this step as soon as possible, so you can close your account smoothly afterward. If you want to make things even easier, you will have to transfer the money to your other accounts. For instance, the money can be transferred to Cash App or PayPal, depending on which one is more convenient for you.

After transferring the money, you can unlink every account that was ever linked to your Chime account. Once it’s done, you can look towards requesting account deletion.


Send Chime an Email

If you’re ready to delete your Chime account, you will have to contact the company. This is the only way to get rid of the account you do not want anymore.

First things first, you will have to send Chime an email. Their address is [email protected] In the email you send to the staff, you should make it clear that you want to have your account deleted, without rambling too much. You could simply mention something like “Account Deletion Request” or “Request to Delete my Chime Account”. It is short and gets the message across quickly.

By doing this, you will also give Chime the chance to know what this is about without even having to open the email, which is why it is so effective. It will help them check your email sooner.

Make sure that in the email you send, you also include the details of the account you want to delete. That being said, you should offer them your account name, account address, and Chime account number.

Call the Customer Support

After you email them, all you can do is wait. But since you do not know what is happening to your account while you wait, you can call Chime after a day or two. Their phone number is 1-844-244-6363.

When you call them, it’s important that you have all the reference numbers that have been emailed to you. This way, you can offer these details to the staff when they request them. When you talk to them, you should ask about the status of your account, and then how long it will take before the account is terminated.

If too many days pass and you get no update, you should call them again and ask about the status. Getting the account deleted as soon as possible is necessary, as the longer the account sits unused, the riskier it is because any subscriptions and recurring payments you might have will keep going.

Chime Account Closing Fee

The good part about closing your account is that you do not need to pay any fee for this. At the same time, there is something you should pay attention to. To be more specific, if you have a negative balance but want to close your account, you need to take care of it. It is essential to pay the difference first. Once you do it, you will be able to start planning your account closure.

When You Won’t Be Able to Delete a Chime Account

Deleting your account is not possible if you do not clear all the overdraft balances first. In the event that you are also under investigation for something, closing the account is not possible until there is a final decision.

Besides, if you are not the owner of the account or if you fail to confirm that you are indeed the account holder, Chime will not proceed with the account deletion.

Closing Chime-Adjacent Accounts

Here are the steps to take if you want to close other accounts related to Chime.

How to Delete Amazon Chime Account

It is pretty easy to delete an Amazon Chime account. All you have to do is go to Amazon Chime, then go to “Settings” and then “Account”. Afterward, you go to the users’ page and then click the users in order to remove them. You go back to the account and then “Account Actions”, after which you click “Delete Account”. Confirm the account termination at the end.

How to Cancel Subscriptions on Chime

It is important to cancel your Chime subscriptions since there is no way for the bank to manage ongoing subscriptions. You will have to manually change payment options or cancel all subscriptions. It can be done on both a computer and a mobile phone. On mobile, the process is quicker.

Canceling a Payment on Chime

In order to cancel a Chime payment, you will have to log into your account and then go into your activity. Then, you will have to pick the pending transaction you wish to cancel. Click the Cancel button and then click it again so you can confirm the cancellation.

How Do I Cancel My Chime Debit Card?

To cancel your Chime debit card, you will have to open the Chime app on your mobile phone, then go to Settings and then Security. A drop-down menu will appear, after which you can click on the card transaction and switch it off. Afterward, you will have to contact Chime support.

How to Cancel Direct Deposit on Chime

Direct deposits cannot be canceled on Chime considering this is usually done through the government or your employer. You will have to contact the institution where you initially set up the direct deposit so you can send it to a different account instead.

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Closing a Chime account can take a while depending on how fast the staff is after contacting them. Make sure to unlink all your accounts and transfer all the remaining balance before you eventually ask for account deletion.

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