Written & Verified By
Delete.Directory Content TeamOur team of privacy advocates and digital rights experts has helped over 100,000 users reclaim control of their online presence. We test every deletion process to ensure accuracy.
This guide helps you permanently delete your Chime account. We believe in digital autonomy: your right to leave any platform should be as easy as joining it. Follow these verified steps to ensure complete account deletion.
How We Verified This Guide
Methodology: Hands-on testing with live accounts
Quick Information
Time Required
15 minutes
Difficulty
medium
Steps
5 steps
Official Resources
Official deletion guide from Chime
Additional Resources
Official privacy policy
Legal terms regarding account closure
Banking agreement terms
Step-by-Step Guide
Transfer out all funds
Withdraw or transfer all money from your Chime Spending and Savings accounts. Your balance must be exactly $0.00 before closure.
Tips
- •Transfer to external bank account
- •Check both spending and savings
- •Wait for transfers to complete
Warnings
- •Cannot close with remaining balance
Cancel direct deposits and payments
Stop all direct deposits to Chime and cancel any automatic bill payments or recurring transfers linked to your account.
Tips
- •Update employer/benefits direct deposit
- •Cancel all scheduled payments
- •Wait for pending transactions to clear
Contact Chime customer support
Chime requires you to contact support to close your account. Use in-app chat, call 1-844-244-6363, or email support@chime.com requesting account closure.
Tips
- •Clearly state you want account closure
- •Have account details ready
- •Request confirmation in writing
Warnings
- •No self-service closure available
Verify identity and confirm
Support will verify your identity and confirm your account has zero balance and no pending transactions. Explicitly confirm you want permanent closure.
Tips
- •Answer security questions
- •Confirm no pending matters
- •Ask about data retention
Await closure confirmation
After support processes your request, your account will be closed. This typically takes 1-3 business days. Destroy your Chime card once confirmed.
Tips
- •Save confirmation email
- •Cut up physical card
- •Download statements if needed
Important Warnings
Financial records retention
Must contact support
Zero balance required
Pending transactions must clear
Direct deposits must be stopped
Processing time
Alternatives to Consider
Stop using without closing
Withdraw funds and stop using Chime while keeping account dormant.
Pros
- •Can reactivate if needed
- •Maintains transaction history
- •No closure process
Cons
- •Account and data remain
- •May receive notifications
- •Doesn't address privacy fully
Keep minimal balance
Maintain Chime with minimal activity for emergency banking access.
Pros
- •Emergency banking available
- •Preserves account history
- •Easy to reactivate full use
Cons
- •Data remains on servers
- •Account still active
- •Limited privacy benefit
Switch to traditional bank
Close Chime and move to traditional bank with physical branches.
Pros
- •In-person banking support
- •More established institution
- •Different service model
Cons
- •May have monthly fees
- •Less mobile-friendly
- •Lose Chime benefits
Frequently Asked Questions
No, you must contact Chime customer support to close your account. There's no self-service closure option.
References & Citations
- [1]
- [2]Chime Terms of Service
Legal terms regarding account closure
https://www.chime.com/policies/terms-of-service/
- [3]Chime Deposit Account Agreement
Banking agreement terms
https://www.chime.com/policies/deposit-account-agreement/
All citations verified as of 11/8/2025. We regularly review and update all external links to ensure accuracy.
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Critical Warnings
Financial records retention
As a banking service, Chime must retain certain transaction records for regulatory compliance, typic...
Must contact support
Chime doesn't offer self-service account closure. You must contact customer support directly....
Zero balance required
Your account must have exactly $0.00 in both Spending and Savings before Chime will close it....
Last Updated
November 8, 2025