Chime is a digital banking service that lets you open a checking and savings account with no monthly fees or overdraft charges. It offers features like fee-free overdraft, early direct deposit, and saving options. The Chime app helps you track your recurring bills and subscriptions paid through your Chime account, showing you what you owe and allowing you to contact merchants if needed. You might see charges from Chime if you pay for subscriptions or bills using your Chime account or card, but Chime itself does not charge monthly fees for its basic services.
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Canceling a Chime subscription or closing a Chime checking account is relatively straightforward through the mobile app with clear steps provided. There is also an alternative phone option for account closure, making it accessible and not difficult for consumers. The process is mostly automated and user-friendly, though it involves a few steps and potential waiting time for processing, hence the difficulty score is moderate but on the easier side.
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minutes to cancel a Chime subscription.
How to Cancel Chime: Step by Step
If you purchased through Chime App:
- Log in to the Chime mobile app.
- Go to Settings.
- Navigate to Personal info or Profile.
- Tap on Close Account.
- Follow the guided instructions for account closure.
If you purchased through Customer Service:
- Call Chime’s customer service at (844) 244-6363.
- Provide your account information for verification.
- Communicate your intent to close your account.

Tips & Tricks for Canceling Chime
- Always message support directly and explicitly ask how to close the account to avoid unpaid payments impacting your credit report.
- Transfer all funds out of your Chime account first via linked apps (Cash App, Venmo, Zelle) or ATM withdrawal before requesting closure.
- Update your address in the app prior to closing so any remaining balance checks are sent correctly.
- Use the in-app closure process by going to Settings > Personal info > Close Account and following the steps.
- Calling support at (844) 244-6363 can be effective, especially if in-app closure is not working.
- Be persistent and clear when communicating—escalate politely by asking for supervisors if front-line support does not help.
- Time your closure request well: ensure no pending deposits or transactions to avoid complications.
- For recurring payments or subscriptions, explicitly tell support to break the payment cycle rather than just disabling features to avoid future charges.
- Document all communication for potential escalation if initial support is unhelpful.
- Users report direct chat support or phone calls tend to be faster and more successful than emails or app-only requests.
Chime Customer Service Info
If you need assistance, here's how you can get in touch with Chime's support team.
Cancel Chime Script
Script

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Dear Chime Support,
I hope this message finds you well. I am writing to request the cancellation of my Chime subscription. Due to a recent change in my financial circumstances, I can no longer justify the expense of this service.
Please let me know if there are any final steps I need to take on my end or if you require additional information to process this request.
Thank you for your assistance.
Best regards,
Frequently Asked Questions
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.
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.
- 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
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.
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.
- 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)
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
If you’re frustrated trying to cancel your subscription, membership, or bill from Chime—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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What Are Some Alternatives to Chime?
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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.