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How to Cancel Chime

Closing a Chime account requires you to contact support directly - there is no online self-service option. You must transfer all funds and cancel direct deposits first. Your account closes once support confirms.

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Banking

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Quick Facts

0
Cancel online?
No — phone/letter required
Pause option?
No
Refund policy
No refunds apply. You must withdraw all funds before closure. Chime charges no closure fees.
After cancellation
Transaction history and account records are retained per US banking regulations. Online access ends after closure.

Cancellation Steps

Go directly to Chime cancellation page

  1. Transfer your balance

    Move all funds from your Chime account to another bank account.

  2. Cancel direct deposits and payments

    Update any direct deposits and automatic payments to point to your new account.

  3. Close your Credit Builder card

    Pay off the card balance and contact support to close it separately from your account.

  4. Contact Chime support

    Call 1-844-244-6363 or use in-app chat to request account closure.

  5. Confirm closure

    Support will confirm once your account is permanently closed.

Tips & Things to Know

  • Download your full transaction history before initiating closure.
  • Allow 3-5 business days for pending transfers to clear before calling support.
  • The Credit Builder card closure is separate and must be done during the same support call.

Your Consumer Rights

  • Your account funds are FDIC insured through Chime's partner banks up to $250,000.
  • The Electronic Funds Transfer Act and Regulation E govern your account and dispute rights.

Frequently Asked Questions

Can I close my Chime account anytime?
Yes, but only after all balances are transferred out and direct deposits are redirected.
Are there fees to close my Chime account?
No. Chime charges no closure fees, but you must withdraw all remaining funds.
What happens to my transaction history?
Download it before closure. Chime retains records per US banking regulations but your online access ends.
Do I need to close my Credit Builder card separately?
Yes. Pay off the balance and request closure during your account closure call with support.
Is Chime a real bank?
Chime is a fintech platform. Banking services are provided by partner banks and are FDIC insured.

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