So, you are a Chime user but don't know how to delete Chime account? It's not your fault. The fact is the Chime app or website doesn't say anything about it. Not an issue. The process I am going to tell you to close your Chime bank account is both simple and straightforward. A sudden increase in the number of unhappy Chime users has amazed and prompted me to find out what wrong is with Chime. As a result, many people want to delete their Chime bank account.
Why people want to delete Chime account? Possible reasons
There are many good things about Chime. For example, fast direct deposit service, good overdraft limit that is up to $100 without penalty, and no hidden fee. Plus, it offers its exclusive debit card services for fast payment and money withdrawal at ATMs. Probably, the problem lies in its nature of business. Let's not forget that Chime is an online bank. So, there are no physical branches where you can go and meet someone face to face and fix your issues.
Moreover, features like Chime Credit Builder card which, in reality, does not work as a credit card has added an extra layer of dissatisfaction in users. Rest things spoiled by the higher Chime fees. These are the major reasons why more and more people want to close their Chime bank account.
So, let's come back to our main topic: how to delete Chime account? Answer is simple. You can contact us and have your account closed with ease of mind. Alternatively, you can read this helping post and do as mentioned below.
How to delete Chime account?
Chime online bank glorifies itself as the most convenient and user-friendly online banking app available in the US. And the high level of simplicity and easiness is also quite evident in the process of setting up a Chime account. But, that level of simplicity disappears into the thin air when it comes to closing a Chime bank account. You can search every section and tab on Chime app, but I bet you will not find anything. But still, you can delete your Chime bank account in a totally effortless manner. Let's get over it in detail.
Let me clear one thing that just deleting a Chime mobile app from your phone will not actually close your account. You need to take care of a few number of things as mentioned below to permanently delete your Chime bank account.
Make sure there is no balance left in your Chime bank account.
Remove all of your linked bank account and cards.
Go to the payment history and ensure there is no pending payment left. If there is any pending payment, cancel it.
Ensure that your Chime balance is not negative. If it is negative, you will be required to clear the dues first.
Make sure that there is no refund awaited for you before deleting your account.
Final step to close your Chime account
If you are done with all aforementioned instructions, it means you are just a one step away from deleting your Chime online bank account for always. So, in the final step, all you need is just send an email to Chime customer support requesting them to delete your Chime account permanently. Support@chime.com is the email id of Chime customer service where you need to send an email for permanent Chime account deletion. Else, you can dial the Chime phone number between 7 AM to 9 PM on all days of the weeks. If you have sent an email and spoken to a Chime representative but still your account has not been deleted then you can take our help.
When you can't delete Chime bank account?
Chime will not let you delete an account until and unless you clear the overdraft balance. Also, if there is any investigation going on in which you are involved, you can't close a Chime account until the final decision comes out. In addition to that, if you fail to confirm that you are the authentic account holder of that account which you want to delete then also Chime will not delete your account.
In a nutshell, we can say that the process to close a Chime account is all about sending an email. Though for hassle-free experience, it is important to meet the prerequisite conditions. Now it is time to hear from you. Did you like today's post: How to delete Chime account? If yes, share it with anyone who wants to permanently close his Chime online bank account.
Have any questions or confusion? Feel free to get in touch with us.