Deleting your Chime account means closing the account and removing your access to the card, app, and any linked services
To close your Chime account, you log into the Chime app or website, go to Settings, select Account, and choose Close Account. Chime will ask you to confirm the closure and may require you to verify your identity. The process takes a few minutes, but the full closure—including the removal of your card from the system—can take up to 10 business days. Any pending transactions will process before the account fully closes.
Before you close, make sure you have withdrawn or transferred any remaining balance in your account. Chime does not charge a fee to close an account, but you should settle any outstanding transactions or disputes first. If you have direct deposits set up, update your employer or benefit provider with a new account number so payments don't bounce.
Key Takeaways
- Close your account through the Chime app or website by navigating to Settings > Account > Close Account and confirming your identity.
- Withdraw or transfer any remaining money before closing, because the account will no longer accept deposits once it is closed.
- Update your employer, government benefits, or other sources of direct deposit with a new account number before closing to avoid missed payments.
- The account closure takes up to 10 business days to complete fully, and any pending transactions will still process during that time.
- Chime does not charge a fee to close your account, but you should resolve any open disputes or chargebacks before initiating closure.
Steps to close your account through the app
Open the Chime app and log in with your username and password. Tap the profile icon or menu button (usually in the top left or bottom right corner, depending on your phone). Select Settings from the menu.
Scroll down to find Account or Account Settings. Tap Close Account or Deactivate Account. Chime will show you a confirmation screen explaining what happens when you close the account—read it carefully. Tap Confirm or Yes to proceed. You may be asked to enter your password again or verify your identity using a code sent to your phone or email. Once confirmed, the closure request is submitted.
Steps to close your account on the website
Go to chime.com and log in. Click on your profile icon or account menu, usually in the top right corner. Select Settings or Account Settings from the dropdown menu.
Look for a section labeled Account Management or Account Closure. Click Close Account or Deactivate Account. Review the information Chime displays about what happens after closure. Enter your password to confirm, and complete any identity verification steps Chime requests. Once you confirm, the closure is initiated.
What happens to your money and pending transactions
Any money remaining in your Chime account must be withdrawn before or immediately after you request closure. You can transfer the balance to another bank account using an external transfer, or withdraw it at an ATM using your Chime card before the account closes. Once the account is fully closed, you will no longer be able to access funds through the card or app.
Transactions that are already in progress—such as pending deposits, transfers, or purchases—will continue to process even after you request closure. The account remains active long enough to complete these transactions. If a transaction fails because the account is closed, the merchant or sender may contact you for an alternative payment method.
Updating direct deposits and recurring payments
If you receive direct deposits from your employer, Social Security, unemployment benefits, tax refunds, or other sources, you must update your banking information with those organizations before closing your Chime account. Provide them with your new account number and routing number. This usually takes one to two business days to take effect, so update it at least a week before you close your Chime account to avoid a missed payment.
For recurring bills or subscriptions that charge your Chime card automatically, log into each service and update your payment method to a different card or bank account. Check your email for confirmation that the change went through. If you forget to update a subscription, the charge will fail and the service may suspend your account or charge a late fee.
Reactivating your account after closure
If you close your Chime account and change your mind within a short window, contact Chime customer support immediately. Chime may be able to reactivate your account if the closure has not yet fully processed (within the 10-business-day window). After the account is fully closed, you cannot reactivate it—you would need to open a new account instead.
If you open a new account after closure, you will receive a new card number and routing number. Any direct deposits or recurring charges tied to your old account will not automatically transfer to the new one, so you will need to update those again.
What to do if you have disputes or chargebacks
If you have filed a dispute or chargeback on a transaction, do not close your account until the dispute is resolved. Chime needs to be able to contact you and process refunds related to the dispute. Closing your account while a dispute is open can delay resolution and may result in the dispute being dismissed.
If a chargeback is pending, wait for Chime to notify you of the outcome before closing. Once the dispute is settled and any refund has been deposited, you can safely close the account.
Frequently Asked Questions
Can I close my Chime account if I have a negative balance?
No. You must bring your account to a zero or positive balance before closing. If your account is negative, you owe Chime that amount. Contact Chime customer support to discuss payment options or a plan to settle the balance before you close the account.
What happens to my Chime card after I close the account?
Your Chime card will stop working once the account closure is complete. You do not need to physically destroy it, but you can cut it up or dispose of it. Do not use it for any transactions after you request closure.
How long does it take for my Chime account to fully close?
The closure request is immediate, but the full closure takes up to 10 business days. During this time, pending transactions may still process. You will receive a confirmation email once the account is completely closed.
Will closing my Chime account affect my credit score?
Closing a Chime checking account does not affect your credit score because Chime does not report checking accounts to credit bureaus. If you have a Chime credit builder loan, closing that product may have a small impact, but closing a regular deposit account will not.
Can someone else close my Chime account?
No. Only the account holder can close the account. Chime requires identity verification before processing a closure request to prevent unauthorized account closures.