What happens to your Chime accounts when you die

Chime does not support beneficiaries, including payable-on-death (POD) or transfer-on-death (TOD) designations. There is no POD designation on checking, savings or the Chime Card Secured Deposit Account.¹

The partner-bank agreements bar the title: "The Checking Account cannot be owned or titled jointly, by any organization, as Payable on Death (POD) or In Trust For (ITF)." The Savings Account Agreement applies the same sentence to the Savings Account and the swept Program Deposit Accounts.^{2, 3}

There is no transfer-on-death (TOD) designation on the Chime Invest account.¹

Chime Invest does not support IRAs or 401(k) accounts, so there is no retirement-account beneficiary route.⁴

Chime's Help Center states: "Chime only offers personal accounts for individual use. We don't currently support joint accounts or business accounts."⁵

A Joint Deposit Account Agreement (joint tenants with right of survivorship, Rev. 06/2026) is published for both partner banks.⁶

Chime Invest accounts are opened in the individual member's name through Atomic Brokerage LLC after a personal identity check.⁴

A Checking Account cannot be held in the name of a trust: "The Checking Account may only be owned and titled in the name of one person who may deposit, transfer, or withdraw funds."²

A Savings Account "may only be owned and titled in the name of one (1) person who shall solely retain the right to direct the deposit or transfer of funds." The same bar is repeated for the swept Program Deposit Accounts.³

The partner banks that hold Chime checking and savings deposits^{2, 3}

Chime Invest accounts⁴