Table of Contents

    How to Cancel Chime

    The Ultimate Step by Step Guide to Cancelling a Chime Subscription or Membership (chime.com)
    By
    Bella K.
    Angelique. P
    |
    Published
    July 1, 2025
    |
    Updated
    July 1, 2025

    Difficulty

    12345 678910
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    Estimated Time

    On average, it takes 00 00 minutes to cancel a Chime subscription.

    How to Cancel Chime: Step by Step

    Tips & Tricks for Canceling Chime

    Chime Customer Service Info

    If you need assistance, here's how you can get in touch with Chime's support team.
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    Frequently Asked Questions

    What is Chime's Cancellation Policy?

    Chime members can close their Checking Accounts via the Chime mobile app or by calling member support. Account closure requests are typically processed within 5 business days, and any remaining balance is refunded by a mailed check within 14 days. After closure, access to the account ends, so members should download any needed documents beforehand and ideally transfer funds to an external bank before closing.

    Do I Need My Chime Password to Cancel?

    To cancel your Chime subscription and close your account, you can do so directly through the Chime mobile app by going to Profile > Personal info > Close Account and following the instructions. Alternatively, you can call Chime customer support at (844) 244-6363 to close your account. There is no explicit mention that you need your password to cancel or close your Chime account. If you do need to reset your password for any reason, the reset password URL is https://chime.com/reset-password.

    Why Do People Cancel Chime?

    • Account closure due to violation of terms and conditions
    • Suspected fraud or unauthorized activity
    • Extended overdrafts that are not repaid
    • Failure to verify identity
    • Loss of eligibility for Chime membership (such as due to age or residency requirements)
    • Account inactivity for six months or more
    • Frustration over account suspension or access restrictions
    • Misuse of account features for prohibited activities like money laundering or illicit business transactions
    • Opening multiple accounts to exploit sign-up offers
    • Using personal account for business purposes against policy
    • Concerns about data privacy or sharing required information with Chime
    • Desire to avoid fees or charges associated with the account

    Can I Cancel Chime at Any Time?

    Chime does not have early cancellation fees, lock-ins, or contracts that prevent you from canceling your membership or subscription. You can typically cancel your account or subscription at any time, though they require written notice 30 days prior to termination for subscription agreements. There are no gimmicks or painful traps, but your subscription will keep auto-renewing until you notify them to cancel, so it's important to actively request cancellation if you want to stop charges.

    What Should I Know Before Cancelling Chime?

    Before canceling your Chime subscription, membership, or bank account, it is important to know that once closed, you will lose access to your account and all related banking services immediately. Any remaining balances will be refunded by check within 14 days, which is mailed to your last recorded address; ensure your address is up to date. You should download any tax documents or statements prior to cancellation, as you won't be able to access the account afterward. Also, clear any negative balances to avoid potential credit impacts and facilitate a smooth closure process. Account closure requests typically take about 5 business days to process.

    What Information Do I Need to Cancel Chime?

    • Full name on the Chime account
    • Email address and phone number associated with your Chime account
    • Chime account number (if available/applicable)
    • Details of the subscription or merchant (e.g., subscription service name, merchant name)
    • Last transaction date and amount for the recurring payment (if known)
    • Type of card or payment method used for the recurring charge (e.g., debit or Credit Builder card)
    • Authorization to cancel the specific payment(s) or stop payment request
    • Timing details (e.g., when the next payment is due)
    • Confirmation that the merchant has been contacted to remove the authorization (recommended for best results)

    Can I Get a Refund from Chime?

    We've actually written a step by step guide on how to get a refund from Chime. Check it out!

    The Easiest Way to Cancel Chime

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    What Are Some Alternatives to Chime?

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    Chime May Show Up On Your Statement As:
    Chime, Chime*Website, Chime Mobile, Chime Payment, Chime Transfer, CHIME*1234, Withdrawal Chime, Deposit Chime, CHIME PAY, CHIME CARD, Chime ACH, Chime Debit, Chime Credit, Chime Online

    Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.