Have you also found a better platform for sending and receiving money online? Then, we think that there is no use cluttering your phone so you should get rid of your Chime account and free up the mess. In case you are not sure of the procedure to cancel your Chime account, we are here to help you with that.
There are various online financial platforms where you can transfer and manage your money without any transactional charges and Chime is one of them which comes with a lot of benefits, however, there are times when users feel the need to close their Chime account due to varying reasons, and the good thing is that anyone can have their Chime account closed.
To cancel your Chime account, you should first clear all the pending transactions on your account and make your account balance Zero. Then, you should also unlink your bank accounts from your Chime account. Next, write an email to Chime support mentioning your request for canceling your Chime account along with your account details. They will work on your application and get your account closed.
There is a lot more that you will need to know about canceling your Chime account, but for that, you need to keep reading so that you do not face any kind of problem while going through the procedure.
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How To Cancel Chime Account?
The process for having your Chime account closed is a bit long but if you follow our guide, you will easily be able to make it happen without much trouble. Let us check out all the steps for the same in detail.
However, before you proceed with closing your Chime account, you will need to make sure that it has a zero balance and that no transactions are pending on it.
Well, the procedure will also vary depending upon whether you want to close your Chime spending account, Chime savings account, or Chime credit builder account, but don’t worry, because we have covered it all right here.
How To Cancel A Chime Spending Account?
If you have a spending account on Chime, then here is the process that you will need to go with to close the account.
First of all, you will be required to transfer all your money from your Chime spending account to any other account so you can make its balance reach Zero. You can transfer the amount to either PayPal or Cash App.
After that, you will have to unlink all your bank accounts whichever you have linked to your respective Chime account. This step is necessary if you do not want to pay the fee that is charged during the money transfer.
Once you are done with this, you will have to request Chime to delete your account by sending them an email. The email address of the customer support of Chime is [email protected]. There is no other way to close your account as of now, so you will have to compose a mail if you want to cancel it.
Mention “Request for cancelation of my Chime’s Spending Account” in the subject of your email and then describe in the body that you do not need your Chime spending account anymore with a valid reason for the same.
You will also be required to mention some important details of yours as the account holder including your full name, address, and account number of your Chime account.
Also, request them for a confirmation email or call once your account is closed so that you are notified about the same.
Once you have properly emailed them for closing your Chime account, you can check after a few days whether you have received a confirmation mail or not. If not, you can also call them on their customer support number which is 1-844-244-6363, and ask them whether your account has been closed or not.
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How To Cancel A Chime Savings Account?
Rather than your spending account on Chime, if you wish to close your Chime savings account, then we have the procedure for that as well.
For this, you will be required to contact the customer support representative and ask them to close your respective account on Chime.
You can dial the number 1-844-244-6363 and tell the representative that you do not want your Chime account anymore. Request them to close your account. They will ask you for your account details and close your account.
Remember that once your Savings account on Chime is closed, your funds will be transferred to your Checking account and for the next 90 days, you will also not be able to open your account again in case you change your decision later.
How To Cancel Your Chime Credit Builder Account?
With a Credit Builder account on Chime, the users are able to build their credit score with their everyday purchases and paying bills.
But if you want to close your Chime credit builder account, you will be required to contact the customer support team of Chime by dialing the number 1 (844) 244-6363 and they will connect you with a representative whom you can tell that you do not wish to continue having your Credit Builder account for longer.
They will cancel your account after taking up the important details from you. Alternatively, you can also email the support team of Chime and request to have your account closed.
How To Close Chime Account In The App?
If you want to close your Chime account directly from your Chime app, then you can refer to the steps that we have provided right below.
1. Head to the Chime app on your device and log in to the account that you wish to close.
2. Tap on the gear icon on the home screen to open the Settings menu.
3. You will see the Personal Info section, select the Edit button for that.
4. Now, you have to select the “Close Account” option on the screen.
5. You can read out the message under “Close my account” for your reference.
6. Next, you will be asked to verify your identity by entering the last 4 digits of the number of your social security, entering it in the text field, and also confirming your intention.
7. Then, you can tap on the “Submit Request” button if you have finalized your decision to cancel the account.
A message will appear on the screen saying “Your request has been submitted” which means that Chime support will look into your request and proceed accordingly. You can tap on the Got It button to close the message.
How To Close Chime Account On Android Devices?
Those who are using Android devices and wish to close their Chime account will not find the option to close the account directly from the app.
If you are one of them, you will need to contact Chime Customer Support on your Chime app and request the cancelation of your respective account.
How To Cancel Chime Debit Card?
You might want to cancel your Chime debit card for many reasons. Maybe you just do not need it anymore, or maybe it is lost or stolen.
Whatever the case might be, you can cancel your Chime debit card for which you will be required to contact customer support of Chime either via email or over the phone and ask them to have your debit card canceled.
If it is a lost or stolen case, you can also request the support team to reissue a replacement of your debit card so that you can use it again.
If you do not want to contact them directly, here are the steps that you should follow to cancel your Chime debit card and request a replacement for the same.
1. Open the Chime app on your phone and log in to your Chime account.
2. At the top left corner of your home screen, you will see the gear icon, tap on it to open the Settings menu.
3. After that, scroll through the options to go to your Debit Card section.
4. Here, you will find the option to “Replace your Card”.
5. You can further choose the right option that suits you as per your situation and follow up as directed.
With this, your Chime debit card shall be closed and you will soon receive a replacement for the same which you can then use.
How To Unlink Bank Account From Chime?
If you don’t know how you can unlink your bank account from your Chime account before closing it completely, here are the steps that you can refer to.
1. Open the Chime app on your device and log in to your account.
2. At the top right corner of the screen, tap on your name to open the menu.
3. Select Settings from the list of options.
4. Here you will see a list of all the accounts that you have linked with Chime.
5. Look for the bank account that you want to unlink and select it.
6. You will see the Unlink button for it, tap on it and select Unlink again.
7. Next, go to Settings from the mobile apps.
8. Look for the account that you want to delete and swipe left on it.
9. You will see the Delete button for that account, tap on it and it will be removed.
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Is There A Fee For Closing Your Chime Account?
No, Chime doesn’t charge you any kind of fee if you want to close your account whenever you want. However, if there is any negative balance on your Chime account, then you will have to first pay it only after which you will be allowed to close your Chime account.
FAQs
Will Chime Close My Account For Inactivity?
No, as per the sources, no matter how long your Chime account has been inactive for, Chime will not close your account as long as you have not requested for getting it closed. If your Chime account has been closed automatically, it is probably because you have gone against the terms and conditions of Chime.
Does Closing A Chime Account Hurt Your Credit?
If you have a savings account or a checking account on Chime and close it, this will not hurt your credit score at all. However, if you are going to close your credit card account on Chime, this will definitely affect your credit score because a credit card account on any platform is linked to the credit bureaus, and its activity is regularly reported to them as per which your credit score changes.
How Do I Remove All My Money From Chime?
As you need to have zero balance before you close your Chime account, you must be wondering how you will remove all the amounts currently present in your Chime account.
For this, you can simply use your Chime debit card and swipe it at an ATM, and withdraw all your money. If you do not have your debit card with you, you can still request a cash withdrawal of all your money at any bank near you or directly at the credit union.
You can also transfer all your money from your Chime account to a different account if you have any.
Can I Transfer All My Money From Chime To Another Bank?
Yes, if you have a Chime checking account, you will be able to transfer your money to another (external) bank account with the help of either the Chime app or their official website, but only if you have your external bank account linked to your Chime account from which you wish to transfer the money.
Why Can’t I Withdraw Money From Chime?
If you are unable to withdraw your money from Chime at the moment, this is probably because you have exceeded your withdrawal or spending money on your Chime account. The limit for a Chime checking account is up to $2500 a day for those using a Chime Visa Debit Card for withdrawals.
Moreover, every day, a Chime user is allowed to withdraw a maximum of $515 at any ATM. If have already made such transactions and want to withdraw more money, you will not be allowed to do so, and thus, you will need to wait for another day.
Wrapping Up
And here we are, all covered with possible methods for closing your Chime account no matter which kind of account you are about to close. If there is any other bank account that you would like to cancel and need help with it, let us know in the comments and we shall help you throughout the process.