Before closing Chime - redirect your money flows
If your paycheck direct-deposits to Chime, update your employer with your new bank details before closing. Move any recurring autopay (utilities, subscriptions) linked to your Chime card or account number to avoid failed payments. Then withdraw your full balance. Closing with a remaining balance means Chime mails you a paper check, which can take 30+ days.
If Chime closed your account unexpectedly
Chime sometimes closes accounts for suspected fraud or terms violations, which frustrates users who lose access to funds. If this happened to you, contact support immediately for your balance, and if unresolved, file a complaint with the CFPB at consumerfinance.gov/complaint. The CFPB complaint process is effective for getting fintech companies to release held funds.
Banking alternatives to consider
- SoFi Checking & Savings AFFILIATE - No monthly fees, competitive APY, and a full-featured app. Strong Chime alternative with more banking products.
- Ally Bank - No monthly fees, high-yield savings, well-rated mobile app and customer service.
- Current - Fee-free mobile banking with early direct deposit, similar to Chime.
Frequently asked questions
- Is there a fee to close my Chime account?
- No. Chime has no fees. Withdraw your balance first to avoid waiting for a mailed check.
- How do I close my Chime account?
- Withdraw your balance, then request closure through the app support chat or by calling 1-844-244-6363.
- What if Chime is holding my money after closing my account?
- Contact support for your balance, then file a CFPB complaint at consumerfinance.gov/complaint if it is not released promptly.