We all know that because of payment apps like Chime, we are moving in a direction of becoming a truly digital society. And it is not just that, they are proving to be a better alternative to traditional banks. They charge no hidden fees or monthly fees and are a great choice for personal banking. But to be totally honest, they are not yet recognized or considered as “real” banks. Even after that, then you get multiple services or features. Some of them include Chime direct deposit, Chime high yield savings account and ATM network.
And a time can come when you may want to delete your Chime account for whatever reason. However, Chime is not for everyone. There is nothing wrong with finding something that fits better for your needs. Because today we are going to show you how you can delete your Chime account in a few easy steps. But before we move towards deleting your chime account, we first need to establish some ground facts which are necessary to successfully delete Chime account.
Things to know before you delete your Chime account?
The first thing you should know is that there should be no negative balance in your account. If you have a negative balance in your Chime account you will not be able to delete your Chime account.
Secondly, if you have a balance in your Chime account, you can either send it to a linked bank, or Chime will return the balance through a check via mail. For that, you need to ensure that your accurate address is available in the Chime account record. If the address provided is inaccurate, you might face a delay in receiving the check through the mail.
And most importantly, you will not be able to access your Chime bank statement once you deactivate your Chime account. While your account is still present, locate your Chime statement by downloading it to your device. And once your account is shut, your account details, statements and tax refunds will be all mailed to you.
How to delete your Chime Account?
Chime offers amazing benefits like zero hidden fees and instant transfers between two Chime accounts. but things can get a bit complicated when it comes to deleting or closing your Chime account. To be honest, there is not much information available on the Chime website regarding the deletion of an account, to begin with. Yet, we have brought an easy guide on how you can delete your Chime step-by-step.
Make sure there are no pending transactions on your Chime account.
Unlink all your accounts from Chime, including subscriptions you may have forgotten.
Send an email to Chime customer service at Support@chime.com with a request to delete your account.
Stay atop the Chime support about closing your account faster.
When chime confirms the closing of your account, send them a follow-up email to ensure them that your account is closed.
Chime Account Closing Fee
Well, there comes one good news. There is no fee associated with closing a Chime bank account. Nevertheless, you need to clear any negative balance that might be present in your Chime account before you close your account. So, plan to delete your Chime account accordingly. Remember, you can only delete your Chime account by contacting the Chime customer service.
Can Chime deactivate my account because of inactivity?
Chime does not deactivate accounts for inactivity. However, if you break terms and conditions Chime very evidently has the right to close your account without any warning. If they suspect any fraudulent activities on your account, then also they will close your account without sending notice.
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