What happens to your Chime accounts when you die
Covers 3 deposit, and 1 lending accounts — all transfer through probate
Phone1-844-244-6363
Mailing Address
Chime Capital, LLC, 101 California Street, Suite 500, San Francisco, CA 94111
WebsiteLearn more→
Verified Jul 2026
Chime does not currently support beneficiary designations, transfer-on-death registrations, or trust account titling on any account type. All Chime accounts pass through the estate at death and may require probate.
When an account holder dies, the executor or administrator will need to contact Chime with a death certificate and legal authority documents to claim account balances. The process and required documents are covered on the death claim page.
Chime does not currently support beneficiary designations (POD or TOD) on any account type. All accounts transfer through the estate at death and may require probate.
Why trust accounts are not available
Chime does not support retitling accounts into a trust, naming a trust as beneficiary, or any other probate-avoidance mechanism. Account balances transfer through the estate at death. Chime is a financial technology company, not a bank. Its banking partners (The Bancorp Bank, N.A. and Stride Bank, N.A.) provide FDIC-insured deposit accounts under the Chime platform, but trust account titling and beneficiary designations are not features currently supported by Chime. Customers who require trust account capabilities should consider a traditional bank or credit union.
Chime Checking AccountChime High-Yield Savings AccountChime Card
Chime Checking Account
No monthly fees, no minimum balance, no overdraft fees. Includes Visa debit card. Get paid up to 2 days early with qualifying direct deposit. SpotMe fee-free overdraft coverage up to $200 on debit card purchases, credit card transactions, and cash withdrawals for eligible members (starts at $20, increases based on direct deposit history and account activity). Chime does not support POD beneficiary designations or trust retitling on checking accounts. Accounts pass through the estate at death and may require probate. Provided by The Bancorp Bank, N.A. or Stride Bank, N.A.
Probate Required
Chime High-Yield Savings Account
No monthly fees or minimum balance requirement. Standard APY is 0.75%; Chime+ members (qualifying single direct deposit of $200+ or cumulative $400+ in 34 days) earn 3.00% APY; Chime Prime members (qualifying direct deposits of $3,000+ in the preceding 34 days) earn 3.75% APY. Chime advertises "Get Up to 3.75% APY" in the savings landing page title as of 06/2026. All rates variable, effective 04/02/2026; must have $0.01 in savings to earn interest. Automated savings features include Round Ups and Save When I Get Paid. Chime does not support POD beneficiary designations or trust retitling on savings accounts. Provided by The Bancorp Bank, N.A.
Probate Required
Chime Card
Secured Visa credit card that replaced the original Chime Credit Builder card. The deposit you add to the Secured Deposit Account sets the credit limit. No credit check, no interest, no annual fee. Reports payment history to all three major credit bureaus to help build credit; utilization is not reported. Chime+ members earn 2% cash back on a category of choice (with a $1,500 monthly eligible purchase cap); Chime Prime members earn 5% cash back on a category of their choice. Existing Credit Builder cardholders can switch to Chime Card through the app. No POD or TOD beneficiary designation available. Issued by The Bancorp Bank, N.A. or Stride Bank, N.A.
Probate Required
Sources
Data sourced from Chime primary sources (16 pages reviewed). How we research.
Download these Chime instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Chime primary sources. Bring it to the branch or keep it beside the phone.
Phone1-844-244-6363
Mailing Address
Chime Capital, LLC, 101 California Street, Suite 500, San Francisco, CA 94111
WebsiteLearn more→
Verified Jul 2026
Estate planning articles
Learn how to protect your Chime accounts and other assets with trusts, beneficiary designations, and estate planning documents.
