How To Delete Chime Account Safely In 3 Simple Steps?

So far, we have talked about how Chime allows you to transfer funds with $0 additional fee and offers a number of other benefits as well.

Nonetheless, some customers wish to know how to delete Chime account after it no longer serves their use.


Note! wiping out your Chime account permanently is not a straightforward process. In fact, it becomes all the more difficult task since neither the app nor the official website provides any guidance on how to delete Chime account safely and easily.

So you are left at the mercy of online articles or blogs that promise to deliver the best solution.

Don’t waste time going anywhere else because you have just landed at the right page!

How To Delete Chime Account Easily and Quickly

There are many reasons for why one would consider deleting his or her Chime account.

We did some online research to figure out why majority of users were requesting a tutorial on how to delete Chime account.

Here’s a quick overview of what our time uncovered:

  • Most people are displeased by the fact that Chime is only an online bank. In their view, it limits accessibility and makes customer support service more difficult to reach.
  • Chime promised Credit Builder card but its performance was found to be no where near than that of an actual credit card that can help with credit score improvement.
  • The bank has higher fees as compared to other alternatives commonly available.

This brings us back to our main concern: what is the right way to delete your Chime account?

Don’t worry!

We have all the answers. However, before jumping into our methods of deleting Chime account, consider going through the following section so you don’t lose any important data during the process.

Things To Keep In Mind Before You Permanently Close Your Chime Account

You have made up your mind to close this online account and there is no going back once you do.

Therefore, it is best to take care of the following things before proceeding.

  • Move all your balance remaining in Chime account to some other account.
  • Disconnect all the accounts that you had previously linked to Chime account.
  • Check payment history to ensure there is no pending transactions.
  • Cancel all pending transactions, if possible.
  • Avail any refund before closing your account.
  • If your account balance is negative, pay the pending dues or else Chime would not allow you to proceed with account deletion.

Now that you are done with the initial instructions, you just have to follow the steps below to complete the task.

Step 1: Disconnect Every Account That Is Linked To Your Chime

Some users assume that their accounts would be unlinked once they delete Chime. Although that is correct, it is better to perform this action yourself.

Check if you have any cards or accounts associated with Chime and remove them from the list.

This is important because connected account may incur additional fees and you don’t want that especially after you are not even using Chime app.

It is always recommended to empty your Chime account before deletion. You can transfer the amount from Chime to PayPal or easily send the cash from Chime to Cash App as per your ease.

Step 2: Request Support at [email protected] via Email

The next step is to get in touch with Chime authorities and request them to delete your account.

You can also talk about the issues you are having with the account that led to this decision.

Hopefully, the team might would suggest some solution that may convince you to change your mind.

You can contact the online bank via email. Write a concise and professional body for your message and send it to [email protected] You should also mention the subject of the email as “Request/Application to delete Chime account”.

Sample Email Template For Requesting Chime Account Deletion
Dear Chime Team,
I am writing this email to request you to delete my Chime account. The reason for this unhappy decision is that I no longer use it for many transfer or savings ( you can also insert any other reason that is true to you).
I have shared my bank account details below.
Accountholder Name
Chime Account Number
Permanent Address

Kindly look into my address and inform me of the next step to take in this regard.
Thankyou!

Step 3: Seek Help From Customer Support Team

Now your next job is to maintain contact with the team instead of leaving them with the query. If you sit back, there are solid chances that they will not pursue you request as urgency.

We suggest you call 1-844-244-6363 and remind the Chime representative to look into your request for Chime deletion and update you on the decision. You should also be aware of any reference numbers sent to you via email as that can speed up the process.

In a Nutshell
Once you are done with disconnecting your linked accounts and emptying Chime, you should send an email to [email protected] to request for deletion. Follow up the request by calling 1-844-244-6363 until your account is shut down.

Attention!

It is important to stay in touch with Chime customer support team until you have completed the task. You can call or email them if the process takes too long.

It is also best to have your account deleted soon after you have made the request. The longer that it is delayed, more are the chances that your application would not be processed.

Also, keep in mind that Chime would not let you delete your account if you have pending dues, or you fail to provide the correct Chime account information such as account number or the name of the accountholder.

Here’s Why You Might Want To Consider Keeping Your Chime Account Active

You might have your own reasons for deleting Chime account but there are also many pointers that should be able to convince you otherwise.

First of all, Chime allows you to make quick transfers and the mobile app can help you track your transfers and money spending. Moreover, Chime has the least hidden fees, no foreign transaction charges, and no overdraft fees.

You can keep your Chime account open without putting in any minimum balance. It now offers savings account that can help you build your funds over time.

Although Chime is only an online account, it has over 38,000 free ATMs with Visa Plus Alliance and Moneypass. This mean withdrawing cash with Chime would be hassle-free!

Wrap Up

That’ it folks!

Hopefully the steps that we have discussed above would be sufficient to let you delete your Chime account without any issues. Most customers have reported it be hassle-free process and we wish to make the experience the same for you!

Moreover, you can talk about the issues you are having with the account that led to this decision. Hopefully, the team might would suggest some solution that may convince you to change your mind.

Did you like this post? Have you tried deleting your Chime account with one of the methods that we have talked about? Feel free to get in touch and share your experience with us in the comment section below.

Frequently Asked Questions About How To Delete Your Chime Account

Is Chime a poor online bank?

There are many reasons why people choose to close their Chime account. Most are displeased by the fact that Chime is only an online bank. In their view, it limits accessibility and makes customer support service more difficult to reach.

Also, Chime promised Credit Builder card but its performance was found to be no where near than that of an actual credit card. The bank has higher fees as compared to other alternatives commonly available.

Should I keep my Chime account open? What’s the catch?

There are many advantages to keeping your Chime account active. First of all, Chime allows you to make quick transfers and the mobile app can help you track your transfers and money spending. Moreover, Chime has the least hidden fees, no foreign transaction charges, and no overdraft fees.

You can keep your Chime account open without putting in any minimum balance. It now offers savings account that can help you build your funds over time. Although Chime is only an online account, it has over 38,000 free ATMs with Visa Plus Alliance and Moneypass.

Can Chime help build credit?

Chime offer Credit Builder card that has the purpose of acting like a credit card to help users improve their score over time.

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