Closing a Chime account takes about 10 minutes and requires you to move your money out first
To close your Chime account, you need to empty it of all funds, then request closure through the app or contact Chime support. Chime does not charge a fee to close an account, but you must initiate the request yourself — the account will not close automatically if you stop using it. The process is straightforward, but timing matters because you need to handle any pending transactions and direct deposits before you submit the closure request.
Chime will not close your account while money is still in it. If you have a balance, transfer it to another bank account or withdraw it in cash first. Once your account is empty, you can request closure through the Chime mobile app or by calling Chime customer service at the number on the back of your debit card.
Key Takeaways
- You must withdraw or transfer all money out of your Chime account before closure can be processed.
- Pending transactions and direct deposits can still post after you request closure, so update your direct deposit information with your employer or benefit provider first.
- You can request closure through the Chime app under account settings or by calling Chime support.
- Chime does not charge a fee to close your account, and closure typically takes a few business days after your request.
- If you have a Chime credit builder card or other Chime products, closing your checking account does not automatically close those accounts.
Empty your account before requesting closure
Chime will reject a closure request if your account has any balance. Log into the Chime app, go to your account balance, and transfer the full amount to another bank account you own. You can transfer to any U.S. bank account by adding it as an external transfer destination in the app. The transfer usually takes one to three business days, depending on the receiving bank.
If you prefer cash, you can withdraw your full balance at any ATM that accepts Chime cards, or visit a MoneyLion location or Walgreens if you need cash when ready. Keep in mind that some ATMs charge a fee for out-of-network withdrawals, though Chime reimburses many of these fees if you are on a paid plan.
Stop incoming deposits and payments before you close
Direct deposits, automatic bill payments, and recurring transfers can still post to your account for several days after you request closure. Before you submit your closure request, update your direct deposit information with your employer, your benefits provider, or any other source of regular deposits. You should also cancel or redirect any automatic payments or subscriptions that charge your Chime card.
If a deposit or payment posts after you have requested closure, Chime will hold the funds and contact you about what to do with them. This can delay the closure process, so it is worth the extra step to update your deposit sources first. If you receive Social Security, unemployment, or tax refunds, contact those agencies at least a week before you close your account to make sure your new bank details are on file.
Request closure through the Chime app or by phone
Open the Chime app and navigate to your account settings. Look for an option labeled "Close Account" or "Account Closure" — the exact wording varies by app version. Tap it and follow the prompts to confirm your request. Chime will ask you to verify that your account is empty and that you understand the account will be closed.
If you prefer to close your account by phone, call the number on the back of your Chime debit card and speak to a representative. They will verify your identity, confirm that your account balance is zero, and process the closure request. Keep a record of the date and time you requested closure in case you need to follow up.
What happens to your Chime debit card after closure
Your Chime debit card will stop working once your account is closed. You do not need to do anything with the card — it will straightforward become inactive. If you want to destroy it, you can cut it up or shred it. Chime does not require you to return it.
If you have a Chime credit builder card or Chime savings account, closing your checking account does not close those products. You will need to close them separately if you want to end your relationship with Chime entirely. Log into the app and check your account list to see what other Chime products you hold.
Timeline and what to expect after you request closure
Chime typically processes account closures within three to five business days of your request. During this time, your account remains open but inactive. If any deposits or payments post during this window, Chime will pause the closure and contact you. Once the closure is complete, you will receive a confirmation through the app or by email.
After closure, you will no longer be able to log into your Chime account. If you need records of transactions from your closed account, read your statements before you request closure. Chime keeps records of closed accounts for a limited time, but it is easier to save them yourself while you still have access.
Frequently Asked Questions
Can I reopen my Chime account after I close it?
Chime does not allow you to reopen an account once it is closed. If you want to use Chime again in the future, you will need to open a new account. This means you will have a new account number and routing number, so you will need to update your direct deposit information again.
What if I close my account but still have pending transactions?
Pending transactions can post after closure. If this happens, Chime will hold the funds and contact you about how to retrieve them. To avoid this, wait until all pending transactions have cleared before you request closure, or contact merchants to cancel pending charges.
Do I lose my transaction history when I close my account?
You can read your transaction history and statements through the Chime app before you close your account. Once the account is closed, you will no longer have access to the app, so save your records beforehand if you need them for taxes, disputes, or personal records.
Will closing my Chime account hurt my credit score?
Closing a checking account does not affect your credit score because checking accounts are not reported to credit bureaus. However, if you have a Chime credit builder card, closing that account could have a small impact on your credit if it is one of your oldest accounts or if it affects your credit utilization ratio.
What if I have a negative balance or outstanding fees?
Chime will not close your account if you owe money. You must pay any negative balance or outstanding fees before you can request closure. Contact Chime support if you are unsure whether you have any outstanding charges.