Whenever you open a new account, it takes a bit of time to know whether or not that account is going to serve you well in the long run. In addition, there are times when certain accounts work well for a specific amount of time, but then they may not work as well for your current situation. If you're wondering how to close a Chime account, you've come to the right place. Here is a detailed listing of exactly what you need to do in order to successfully close your Chime account in case it's not serving your needs as well as it did at one point in time. Fortunately, it's relatively easy to do so if you are looking for a way to close your Chime account, it's probably not going to be nearly as difficult as you had feared it would be.
Closing Your Account Through Your App
Fortunately, closing your Chime account really couldn't be easier, especially if you're doing it through the Chime app that you probably already downloaded on your smartphone. If you have this app on your phone, all you need to do is go into the app, transfer the balance that you have on your Chime account to a different bank account, and then close the account out. What should you do if you're showing a negative balance on your Chime account? Obviously, it won't be possible for you to close the account until you bring it current, so it's best to deposit an amount equal to your negative balance so that you can arrive at a zero balance and then subsequently close the account. Fortunately, there's a customer service number that you can call if you're having any problems, 1-844-244-6363.The best part about calling this particular number is that you can actually talk to a human being, not just listen to some pre-recorded message. It doesn't matter if you're running into a problem getting your balance to zero out or if you have questions about the actual process of closing the account and then deleting your information, the people here are extremely knowledgeable and helpful. As such, they're more than happy to help walk you through answers to your questions so that you can do what you need to do and get on with your day. As a matter of fact, you can even call them while you're simultaneously closing out your account and they’ll walk you through the entire process in a step-by-step fashion. Typically, you don't need to call anybody because the process is very straightforward. However, it's always good to know that someone has your back just in case you do have any problems or you run into a question that you need to have answered.
Closing Your Account One Step at a Time
Let's say that you don't have a negative balance on your Chime account. What should your very first step be if you want to close the account out? As discussed in the previous paragraph, your first step will be to move any money that you have in your Chime account to another bank account of your choosing. The very next step that you need to do is unlink all of those bank accounts that you have linked to your Chime account. You may only have one account linked to it, but some people have two or even three accounts that are linked. Whatever that number might be, you need to unlink them so that they are in no way connected to your Chime account. From there, you can send Chime an email or contact their customer support department and let them know that you want to close the account out. Again, if you're using the app, everything is very straightforward and you can do it all right there on your phone. However, things are a bit different if you're using a laptop and going through their website. If that's the case, then you will need to email them or give them a call. Again, it's worth noting that if you have a negative balance on your Chime account, you will have to bring that account current before you can close it out.
How Long Does the Process Take?
Even if you have to wait for them to respond to your email, the entire process doesn't usually take more than 24 to 48 hours from start to finish. Provided that you don't have a negative balance on your account and you have completed all of the steps that have been listed in the above paragraphs, there's no reason that it should take longer than this for the account to be officially closed. If you're using the app on your smartphone or you contact customer service, everything can be closed out right away. If you're on a laptop and you send Chime an email, it might take a couple of business days for them to receive that email, close your account and respond back to you. That said, it shouldn't really take much longer than that. Of course, you have to remember that if you send them an email late on Friday, you probably shouldn't expect an answer from them until Monday or Tuesday of the next week. By the same token, it might take them up a couple of days longer if there are holidays involved. Typically, the company responds fairly quickly so if you don't hear from them after a couple of business days, it's best to call the customer service department and find out why. Chime is one of the more user-friendly accounts to come along in quite some time. In addition, they don't charge fees for transferring money from their account to various bank accounts, nor do they charge you a fee for closing your account. Therefore, you shouldn't have any issues with unexpected fees or other problems that you didn't think would be an issue along the way. Fortunately, most people don't have a lot of trouble closing their account but if you do, you can always refer back to their customer service number and get the help that you need.
Written by Allen Lee
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