You can close a Chime savings account online through the app or by calling customer service, and the process takes a few minutes
Chime lets you close your savings account without visiting a branch or mailing anything in. You can do it directly in the Chime mobile app, through the web version, or by calling Chime customer service at 1-844-244-6361. The account closes immediately once you confirm, though any pending transactions may still process. If you have money in the account, Chime transfers it to your linked checking account or debit card within one to three business days.
Before you close, make sure you know your account balance and that no automatic transfers or bill payments are pulling from that savings account. If they are, you'll need to update or cancel those first, or they may fail and trigger overdraft fees.
Key Takeaways
- Close your Chime savings account through the mobile app, the website, or by calling 1-844-244-6361; no branch visit is required.
- Any money in the account transfers to your checking account or linked card within one to three business days after closure.
- Cancel or redirect any automatic transfers or bill payments before closing, or they may fail and cause fees.
- Once you confirm closure, the account closes immediately and cannot be reopened; you would need to open a new one.
Closing through the Chime app
Open the Chime app and go to the account settings menu. Look for the savings account you want to close and select it. Scroll down to find the option labeled "Close Account" or "Manage Account" — the exact wording varies by app version. Tap it and Chime will ask you to confirm that you want to close the account and that you understand any pending transactions may still post.
Read the confirmation screen carefully. Chime will tell you your current balance and remind you that the account cannot be reopened once closed. If you have a balance, confirm where you want the money sent — usually your Chime checking account, but you can also direct it to an external bank account if you've linked one. Tap confirm, and the account closes right away.
Closing through the Chime website
Log into your Chime account at chime.com. Click on the savings account from your account dashboard. Look for account settings or a menu icon (usually three dots or lines) and select "Close Account." Chime will show you the same confirmation screen as the app: your balance, a reminder that closure is permanent, and where your money will go.
Confirm your choice. The account closes immediately. If you ever need a savings account again, you can open a new one through the app or website, but it will be a separate account with a new account number.
Closing by phone with Chime customer service
Call Chime at 1-844-244-6361. Have your account number or the phone number associated with your Chime account ready. Tell the representative you want to close your savings account. They will verify your identity, confirm your current balance, and ask where you want the money sent.
The representative will walk you through the closure and confirm it on the call. The account closes immediately. Ask for a confirmation number or reference code before you hang up, in case you need to reference the closure later.
What happens to your money after you close
If your savings account has a balance, Chime transfers it to your primary checking account by default. If you've linked an external bank account to your Chime profile, you can ask for the money to go there instead. The transfer takes one to three business days, depending on your bank.
If your account has a zero balance, there is nothing to transfer. The account simply closes. Any pending transactions that haven't posted yet may still go through after closure — Chime cannot stop transactions that were already in process when you closed the account. If a transaction posts after closure and overdrafts your checking account, you may be charged an overdraft fee.
Stopping automatic transfers before you close
Before closing your savings account, check whether any money is being automatically transferred into or out of it. This includes recurring transfers you set up yourself, employer direct deposit splits, or bill payments. If you close the account while these are active, the transfers will fail.
Log into the Chime app and go to Transfers. Look for any recurring or scheduled transfers involving your savings account. Cancel or edit them to use your checking account instead. If you have paycheck direct deposit split between checking and savings, update that in your employer's payroll system or through Chime's direct deposit settings. Once all automatic activity is stopped or redirected, you can safely close the account.
Why Chime might not let you close immediately
Chime rarely blocks account closure, but if you have pending transactions, holds, or disputes, the company may ask you to wait until those clear. If you see a message saying you cannot close right now, contact Chime customer service to find out what is holding up the closure. Usually it resolves within a few business days.
If you have a negative balance — meaning you owe Chime money — you cannot close the account until that is paid. Transfer money into your checking account first to cover the negative balance, then try closing again.
Frequently Asked Questions
Can I reopen my Chime savings account after I close it?
No. Once closed, that account cannot be reopened. If you want a savings account again, you must open a new one, which will have a different account number. Any history or settings from the old account will not transfer.
What if I close my account but money is still pending?
Pending transactions can still post after closure and may overdraft your checking account if there is not enough money to cover them. Contact Chime customer service right away if this happens; they can sometimes reverse overdraft fees if the transaction posted after you closed the account.
Do I have to close my savings account if I want to keep my Chime checking account?
No. Your savings and checking accounts are separate. You can close the savings account and keep the checking account open, or vice versa. Closing one does not affect the other.
How long does it take for my money to arrive after I close?
If the money is going to your Chime checking account, it usually arrives within one business day. If it is going to an external bank account, it takes one to three business days depending on that bank's processing time.
Will closing my savings account hurt my credit?
No. Closing a savings account does not affect your credit score. Chime savings accounts are not reported to credit bureaus, so opening or closing one has no impact on your credit history or rating.