Felon Smith, 37, died after being struck by a train (Image: Facebook)

A woman was struck and killed by a train after she dropped her phone onto railway tracks and went to pick it up.

Felon Smith, 37, died when she was hit by a train at midday on Thursday in Chicago in front of traumatised passengers.

She was pronounced dead at the scene.

Smith had reportedly ignored repeated warnings to stay off the track, causing two hour long delays on the rest of the line.

One commuter described how the horrifying incident unfolded to a local news station.

"It slipped and fell out of her hand, and she tried to retrieve it. She went on the tracks to get her phone, but she couldn't get back up from off the tracks, and the 'L' was coming," McAllister told ABC 7.

"The 'L' came, and it hit her. She couldn't get back up. She should just have left the phone down there. It ain't worth her losing her life.

Witness say she ignored repeated warnings to stay off the tracks (Image: Facebook)

"It is just crazy that you can take technology so far to the point that you risk your own life for something. It's just a piece of metal," said Marsean Spencer a CTA rider.

It later emerged that Felon left haunting updates describing how much she was enjoying life before her untimely death.

On Thursday morning, she said: “Two blessing in one day God Is good even in your time of need.”

And last week Felon said: “Good stuff has been happening all week to me I was in the nail salon and a lady paid for my feet to match my nails she was like there so pretty.”

The victim’s mother Jorgetta Martin shared news about the tragedy on social media.

She said: "FB pray for me my daughter was killed this morning."

Chicago Transit Authority officials has said passengers should never trespass onto CTA rail tracks to retrieve items or assist a person.