Yes, you can close most Chase accounts online, but the method depends on the account type
Chase lets you close checking and savings accounts through their website or mobile app without calling or visiting a branch. Log into your Chase account, go to the account settings or profile section, and look for a "Close Account" or "Account Services" option. The exact steps vary slightly between the Chase website and the mobile app, but both routes work.
Some account types—like investment accounts, credit cards, or business accounts—cannot be closed online and require a phone call to Chase customer service or a visit to a branch. If you have a Chase credit card, you'll need to call the number on the back of your card. For business accounts, contact your business banking representative.
Before you close, make sure your account balance is zero (or positive if there's money left), all pending transactions have cleared, and you've set up direct deposit or payment elsewhere if needed. Chase will not close an account with an outstanding balance or unresolved disputes.
Key Takeaways
- Chase checking and savings accounts can be closed online through the website or mobile app, but credit cards and business accounts require a phone call.
- Your account must have a zero balance and no pending transactions before Chase will process the closure.
- If you have automatic payments or direct deposits linked to the account, redirect them to another account first to avoid missed payments or lost deposits.
- Closing an account does not affect your credit score, but closing a credit card account may lower your available credit.
- After closure, keep your account statements and records for at least three to seven years for tax and dispute purposes.
What to do before you close your account
Stop all automatic payments and transfers tied to the account. Log into any services that pull money from this Chase account—utilities, subscriptions, loan payments, insurance—and update them with a new bank account or payment method. Chase will not process payments from a closed account, and missed payments can damage your credit or result in late fees.
Redirect any direct deposits. If your paycheck, government benefits, or other regular deposits go to this Chase account, contact your employer or the paying organization and provide your new account details. This usually takes one to two business days to take effect, so make the change before you close the account.
Withdraw or transfer any remaining balance. If there is money in the account, transfer it to another bank account or withdraw it in cash. Chase will not close an account with a positive balance. If there is a negative balance (you owe money), you must pay it before closure.
Gather your account statements. Download or print your recent statements for your records. You may need them for tax purposes, dispute resolution, or proof of account closure. Chase typically keeps statements available for seven years online, but it's safer to save them yourself.
Steps to close your account online through Chase.com
Log into your Chase account at chase.com using your username and password. If you use two-factor authentication, complete that step.
Navigate to your account settings. On the website, this is usually found by clicking your profile icon or name in the top right corner, then selecting "Profile & Settings" or "Account Settings." Look for an option labeled "Close Account," "Manage Accounts," or "Account Services."
Select the account you want to close. If you have multiple Chase accounts, the system will ask you to choose which one to close. Double-check that you are selecting the correct account.
Review the closure terms and confirm. Chase will show you any remaining balance, pending transactions, or linked services. Read the confirmation screen carefully. Once you confirm, the closure request is submitted.
Wait for confirmation. Chase will send you an email confirming the account closure, usually within one to three business days. The account will stop accepting transactions immediately, but it may take up to 10 business days for the closure to fully process.
Closing your account through the Chase mobile app
Open the Chase mobile app and log in. Tap the menu icon (three horizontal lines) at the bottom right of the screen.
Select "Settings" or "Profile & Settings." Scroll down and look for "Close Account" or "Account Services."
Choose the account to close and review the details. The app will show your current balance, any pending activity, and linked services. Confirm that you have moved money out and redirected payments.
Tap "Close Account" and confirm your choice. You will receive an email confirmation within one to three business days.
What happens after you close your account
Your debit card will stop working immediately. If you have a Chase debit card linked to the account, it will be deactivated as soon as you submit the closure request. Destroy the card or wait for it to expire.
Checks will bounce. If you have outstanding checks written against this account, they will be returned unpaid. Contact anyone you recently wrote a check to and provide an alternative payment method.
Your account number becomes inactive. Chase will not reissue the same account number. If someone tries to deposit money into the closed account, the deposit will be rejected or returned.
Your credit score is not affected. Closing a checking or savings account does not lower your credit score. However, closing a Chase credit card account may slightly lower your score because it reduces your total available credit.
Keep records of the closure. Save the confirmation email and your final statement. If a payment bounces or a dispute arises later, you will need proof that the account was closed and when.
If you cannot close your account online
Call Chase customer service at 1-800-935-9935 (the number is on the back of your debit card or in your account statements). Have your account number and Social Security number ready. A representative can close the account over the phone and answer questions about pending transactions or linked services.
Visit a Chase branch in person. Bring a government-issued ID and your debit card. A banker can close the account on the spot and help you with any complications, such as unresolved disputes or unusual account activity.
If you have a business account, credit card, or investment account, you must contact Chase directly by phone or in person. These account types do not have an online closure option.
Common reasons Chase may not let you close your account
Outstanding balance: If you owe money or have a negative balance, Chase will not close the account until you pay it. Transfer funds from another account or deposit cash to bring the balance to zero.
Pending transactions: If there are uncleared checks, pending transfers, or disputed charges, Chase may hold the closure until those are resolved. Wait for pending items to clear, then try again.
Fraud investigation: If Chase has flagged the account for suspicious activity, they may freeze it temporarily and prevent closure until the investigation is complete. Contact customer service to check the status.
Linked services: Some accounts cannot be closed if they are linked to investment accounts, credit cards, or other Chase products. You may need to unlink or close those first.
Frequently Asked Questions
Will closing my Chase account hurt my credit?
Closing a checking or savings account does not affect your credit score because Chase does not report deposit account activity to credit bureaus. However, closing a Chase credit card may lower your score slightly because it reduces your available credit. The impact is usually small and temporary.
What if I have a pending direct deposit or check that hasn't cleared?
Wait for all pending transactions to clear before closing the account. If you close the account with pending items, those transactions may bounce or be rejected. Contact Chase customer service if you need to close urgently—they can sometimes hold the closure for a few days while transactions settle.
Can I reopen a Chase account after I close it?
Yes, you can open a new Chase account after closing one. However, if you closed the account due to a dispute or fraud, Chase may review your history before approving a new account. There is no waiting period, but opening a new account will generate a new account number.
Do I need to close my debit card separately?
No. When you close the account, the debit card is automatically deactivated. You do not need to call or take additional steps to close the card. Destroy the card or let it expire naturally.
How long does it take for Chase to fully close my account?
The closure is usually processed within one to three business days after you submit the request online. You will receive an email confirmation. It may take up to 10 business days for the account to be completely removed from the system, but it stops accepting transactions immediately.