You can close your 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 have two routes: use the mobile app (the fastest method) or call Chime customer service at 1-844-244-6363. Either way, you'll need to move any money out of the account first—Chime won't close an account with a balance. Once the account is empty and closed, you keep your Chime checking account if you have one; closing savings doesn't affect it.
The whole process typically takes less than five minutes if you use the app. If you call, wait times vary depending on how busy customer service is, but most calls are handled within 10 to 15 minutes during business hours.
Key Takeaways
- Withdraw or transfer all money from your savings account before closing it—Chime will not close an account that still holds funds.
- Use the Chime mobile app to close your account in under five minutes without calling or waiting on hold.
- If you prefer to call, Chime customer service is available at 1-844-244-6363 and can close your account over the phone.
- Closing your savings account does not affect your Chime checking account, debit card, or direct deposit setup.
How to close your account using the Chime app
Open the Chime app and log in with your username and password. Tap the menu icon (three horizontal lines) in the bottom right corner, then select "Settings." Scroll down and look for "Savings Account" or "Account Settings"—the exact label depends on your app version. Tap on it and you should see an option to "Close Account" or "Close Savings Account."
Before you can proceed, the app will confirm that your savings account balance is zero. If it isn't, go back and transfer or withdraw the remaining balance to your checking account or another bank. Once the balance shows $0.00, return to the close account screen and tap the confirmation button. The app will ask you to confirm one more time—this is your last chance to stop the process. After you confirm, your savings account closes immediately.
How to close your account by phone
Call Chime customer service at 1-844-244-6363. Have your account number or the phone number associated with your Chime account ready. When you reach a representative, tell them you want to close your savings account. They will verify your identity by asking security questions or requesting information from your account.
The representative will check that your savings account balance is zero before proceeding. If you still have money in the account, they can help you transfer it to your checking account or walk you through a withdrawal. Once the balance is confirmed as empty, they will process the closure and give you a confirmation number. Keep this number for your records in case you need to reference the closure later.
What to do with your money before closing
You must move all funds out of your savings account before Chime will close it. The easiest method is to transfer the balance to your Chime checking account—this takes seconds in the app and the money appears immediately. Tap "Transfer" or "Move Money" from your savings account screen, select your checking account as the destination, enter the amount, and confirm.
If you want to move the money to a different bank entirely, you can withdraw it as a cash transfer using your Chime debit card at any ATM, or request an external transfer to another bank account. External transfers typically take one to three business days. Plan ahead if you're moving money to another bank, because Chime won't close your account until the balance is zero.
What happens after you close your savings account
Once your savings account is closed, you can no longer deposit money into it or earn interest on savings balances. Any automatic transfers you set up to move money into that savings account will stop working—Chime will not send you a warning before this happens, so review your settings if you had recurring transfers scheduled.
Your Chime checking account, debit card, and direct deposit remain active and unchanged. If you close your savings account and later decide you want one again, you can open a new Chime savings account through the app at any time. There is no penalty for closing and reopening.
If you can't close your account through the app
If the close account option doesn't appear in your app settings, your app may be outdated. Go to your phone's app store (Apple App Store or Google Play), search for Chime, and update to the latest version. After updating, log out and log back in, then try the process again.
If the option still doesn't appear or you encounter an error message, call customer service at 1-844-244-6363. They can close the account over the phone and troubleshoot any technical issues with your app. Have your account number ready when you call.
Frequently Asked Questions
Will closing my savings account affect my checking account or debit card?
No. Your checking account, debit card, and all linked services remain active. Closing savings only removes that specific account from your profile.
What if I have pending transactions in my savings account?
Wait for all pending transactions to complete before closing. Chime won't close an account with any activity in progress. Check your transaction history to confirm everything has posted.
Can I reopen a Chime savings account after I close it?
Yes. You can open a new savings account through the app whenever you want. There's no waiting period or penalty for closing and reopening.
Do I need to close my account in person at a Chime location?
No. Chime has no physical branches. You must close your account through the app or by phone.
What if I forgot my login password?
Use the "Forgot Password" option on the Chime login screen to reset it. You'll receive a link via email. If you can't access your email, call customer service at 1-844-244-6363 and they can help you regain access to your account.