What Happens to Your Chime (Detailed) Account When You Die
Quick Facts
Balance
Claim checking + savings
SpotMe
Resolve any overdraft balance
Estate claim
Death certificate required
Step-by-Step Guide
Contact Chime for estate claim
Contact Chime support to initiate the estate claim for Spending (checking) and Savings accounts. Provide a death certificate and estate documentation.
Resolve SpotMe overdraft
If SpotMe was used and the account has a negative balance, the overdraft amount needs to be resolved as part of the estate claim.
Cancel Credit Builder card if active
If a Chime Credit Builder card is active, cancel it and resolve any secured balance.
Document Now Checklist
- Chime account email/phone
- Spending and Savings balances
- SpotMe overdraft amount if any
- Credit Builder card status
Save this to your vault
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Start your vault — free for 30 daysLast verified: June 2026. Platform policies may change. Verify current procedures directly with Chime (Detailed). This guide is for informational purposes only and does not constitute legal advice.
Related Guides
PayPal
PayPal balances are estate assets. Recurring payments continue until cancelled by executor.
Venmo
Venmo balance is an estate asset. Family cannot access the social feed or transaction history directly.
Cash App
If you hold Bitcoin in Cash App, document this separately — crypto recovery requires additional steps.
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