How to close your Chime account
You can close your Chime account through the mobile app or by calling customer service. Chime does not charge a fee to close an account. Before you close, withdraw any remaining balance, set up direct deposit elsewhere if you need it, and cancel any recurring payments linked to the card.
The process takes a few minutes if you use the app, or about 10 minutes if you call. Once closed, you cannot reopen the same account — you would need to open a new one. Your account history and statements remain available for a limited time after closure.
Key Takeaways
- Close your account through the Chime app under Settings, or by calling 1-844-244-6361 and speaking to a representative.
- Withdraw your full balance before closing, since Chime will not mail checks for remaining funds.
- Cancel any automatic payments, subscriptions, or direct deposits tied to your Chime card before you close.
- Closing is permanent for that specific account — you cannot reopen it, but you can open a new Chime account later if you change your mind.
- Keep your account open for at least 30 days after your last transaction if you are waiting for a pending deposit or refund.
Close your account using the Chime app
Open the Chime app and log in. Tap the menu icon (three horizontal lines) in the bottom right corner, then select Settings. Scroll down and look for Account or Account Settings. You should see an option that says Close Account or Deactivate Account.
Tap that option. Chime will ask you to confirm that you want to close the account and may ask why you are closing it. Answer the question if you choose to, then confirm. The app will show a message saying your account is closed. You will no longer be able to use your Chime card or access your account through the app.
Close your account by phone
Call Chime customer service at 1-844-244-6361. Have your account number or the phone number associated with your account ready. Tell the representative you want to close your account.
They will verify your identity by asking for information like your date of birth, the last four digits of your Social Security number, or recent transactions. Once verified, they will process the closure. Ask them to confirm the account is closed and request a reference number for your records. The call usually takes 5 to 10 minutes.
What to do before you close
Check your account balance and withdraw all remaining money. You can transfer funds to another bank account using an external transfer, or withdraw cash at an ATM using your Chime card. Chime will not send a check for any remaining balance after closure, so do not leave money in the account.
Cancel any recurring payments, subscriptions, or automatic bill payments that use your Chime card. Log into the websites or apps where you have set up these payments and update them to use a different card or bank account. This includes streaming services, gym memberships, insurance payments, or any other regular charges.
If you have direct deposit set up with your employer, update your banking information with them before closing. Provide them with your new bank account details so your paychecks go to the right place. Do this at least a week before your next scheduled pay date.
What happens to pending transactions and deposits
If you are expecting a deposit, refund, or payment to arrive, do not close your account until it lands. Pending transactions can take several business days to process. If you close your account while a deposit is in progress, it may be rejected or delayed, and you may have trouble recovering the money.
Keep your account open for at least 30 days after your last transaction if you are waiting for anything to post. Once you are certain all expected money has arrived, you can safely close.
After your account is closed
Your Chime card will stop working when ready. You cannot use it to make purchases, withdraw cash, or check your balance. If you have physical cards, you can cut them up or throw them away — there is no need to return them to Chime.
You can still view your account history and statements through the app or by calling customer service for a limited time after closure, usually 30 to 90 days. After that window, you may not be able to access old statements. If you need records for tax or legal purposes, read or screenshot them before closing.
If you decide you want a Chime account again in the future, you can open a new one. It will be a separate account with a new account number and routing number. Your old account cannot be reopened.
Frequently Asked Questions
Will Chime charge me a fee to close my account?
No. Chime does not charge a fee to close an account. There are no early closure penalties or exit fees.
What if I have a negative balance or owe Chime money?
Contact Chime customer service before closing. They will tell you how much you owe and may require you to pay the balance before closing the account. You can pay over the phone or through the app.
Can I reopen the same Chime account after I close it?
No. Once closed, that specific account cannot be reopened. You can open a new Chime account, but it will have a different account number and routing number.
What if I close my account but still have pending direct deposits?
Pending deposits may be rejected if your account is closed. Update your direct deposit information with your employer before closing. If a deposit is rejected after closure, contact the sender to have it redirected to your new bank account.
How long can I view my statements after closing?
You can usually view your account history and read statements for 30 to 90 days after closure. After that, Chime may no longer make them available. read anything you need for records before the account closes.