What to do when a Chime account holder dies
Contact Chime's Member Services (handles deceased-account closures) — 4-step process, 3 required documents, and varies; chime helps close the account once it receives and reviews the required documentation.
Phone1-844-244-6363
Mailing Address
Chime Capital, LLC, 101 California Street, Suite 500, San Francisco, CA 94111
WebsiteLearn more→
Verified Jul 2026
When a Chime account holder passes away, the next step depends on how the accounts were set up. Accounts with beneficiary designations or trust ownership transfer outside of probate. Accounts titled solely in the deceased's name require the estate's legal representative to work with Chime's Member Services (handles deceased-account closures) (1-844-244-6363) to access and distribute the funds.
The first step is contacting Chime at 1-844-244-6363 with the account holder's full name, account numbers, and a certified death certificate in hand.
Death claim process
To file a claim after an account holder's death, here is what Chime requires:
Filing a claim
1
Report the account holder's death to Chime Member Services. Per Chime's "How do I close a deceased member's account?" Help Center article, the easiest way is to chat with Member Services in the Chime mobile app; you can also call 1-844-244-6363 (available 24/7). Chime has no branches, so there is no in-person option.
2
Provide the documentation Chime requests for security purposes. Chime states it may request:
- A valid photo ID for the person making the request
- The member's death certificate or Consular Report of Death Abroad
- Additional documentation depending on the situation (for example, proof of your legal authority over the estate when the balance warrants it)
3
Submit the documents through the channel Chime specifies during the conversation (in-app chat / secure request).
4
Chime states: "Once we receive and review the required documentation, we'll help to close the member's account and follow any additional steps needed to complete the process." Because Chime does not support POD/TOD designations or joint accounts, an individually held balance passes to the deceased's estate rather than directly to an heir.
Required Documents
- A valid photo ID for the person making the request
- The member's death certificate or Consular Report of Death Abroad
- Additional documentation depending on the situation (Chime may request proof of legal authority over the estate -- e.g., Letters Testamentary, Letters of Administration, or a qualifying small estate affidavit under applicable state law)
What to know at this institution
Chime is app/online-only with no branches, so the deceased-account process runs entirely through in-app chat or phone (1-844-244-6363, 24/7). Per Chime's deceased-account Help Center article, it may request a valid photo ID for the requester and the member's death certificate or Consular Report of Death Abroad, plus additional documentation depending on the situation. Because Chime does not support POD beneficiary designations or joint accounts, an account held solely in the deceased's name is not automatically payable to a beneficiary -- the balance becomes part of the estate. Chime does not publish a public death-claim form; the process is handled case by case by Member Services.
Processing timelines at Chime: Varies; Chime helps close the account once it receives and reviews the required documentation. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
To process a claim, Chime needs A valid photo ID for the person making the request, The member's death certificate or Consular Report of Death Abroad, and Additional documentation depending on the situation (Chime may request proof of legal authority over the estate -- e.g., Letters Testamentary, Letters of Administration, or a qualifying small estate affidavit under applicable state law). Death certificates and court documents must be certified copies—photocopies are not accepted.
Frequently asked questions
No. Chime's Help Center explicitly states: "Chime does not support the addition of beneficiaries to your account, including payable-on-death (POD) or transfer-on-death (TOD) designations." This applies to every Chime account type -- checking, high-yield savings, and the secured Chime Card. There is no workaround, paper form, or in-app process to add a beneficiary. Accounts held solely in your name will pass through your probate estate at death. See https://help.chime.com/can-i-add-a-beneficiary-to-my-chime-account-9f2dd0c5 .
No. Chime only offers personal accounts opened in an individual's name; trust ownership is not supported. Because Chime also does not support POD designations, there is no in-life mechanism to link a Chime balance to a revocable living trust. The common workaround is a pour-over will -- which directs whatever is in your probate estate (including Chime funds) into your trust after death -- or moving balances you want trust-owned to an institution that supports trust titling. Chime's banking partners are The Bancorp Bank, N.A. and Stride Bank, N.A., but those FDIC-insured deposits are accessible only through the Chime platform, which does not expose trust account features.
Not as of June 2026. Chime's Help Center states: "Chime only offers personal accounts for individual use. We don't currently support joint accounts or business accounts." Each person can open one individual Chime account. Without joint-with-right-of-survivorship availability, a spouse is not automatically entitled to the balance at the other spouse's death; the account passes through the deceased's probate estate.
Because Chime accounts cannot have a POD designation, joint owner, or trust title, the entire balance becomes part of the deceased's estate. A family member or legal representative reports the death by chatting with Member Services in the Chime app (the method Chime lists first) or by calling 1-844-244-6363 (24/7); Chime has no branches. Per Chime's deceased-account Help Center article, for security Chime may request a valid photo ID for the person making the request, the member's death certificate or Consular Report of Death Abroad, and additional documentation depending on the situation (such as Letters Testamentary, Letters of Administration, or a small estate affidavit if the estate qualifies under applicable state law). Once Chime receives and reviews the documents it helps close the account; funds go to the estate, not directly to heirs.
MyPay is a line of credit and the Chime Card is a secured Visa credit card backed by your Secured Deposit Account -- neither is a deposit account. Any outstanding MyPay or Chime Card balance at the time of death becomes a debt of the probate estate, payable from estate assets before distribution to heirs. For the Chime Card, the Secured Deposit Account collateral may be applied to the outstanding card balance, with any remaining deposit returned to the estate. Notify Member Services at 1-844-244-6363 so balances can be reconciled alongside the death claim on any checking or savings account.
Chime's Member Services (deceased-account closures) can be reached by phone at 1-844-244-6363 for questions throughout the claims process.
If the deceased held multiple Chime accounts, each may require a separate claim or have different documentation requirements. The Member Services (handles deceased-account closures) can confirm which accounts require individual attention and which can be processed together.
Sources
Data sourced from Chime primary sources (16 pages reviewed). How we research.
Phone1-844-244-6363
Mailing Address
Chime Capital, LLC, 101 California Street, Suite 500, San Francisco, CA 94111
WebsiteLearn more→
Verified Jul 2026
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