Yes, you can close most Chase accounts online through your account settings
Chase lets you close checking and savings accounts through their website or mobile app without calling or visiting a branch. The process takes a few minutes: you log in, navigate to account settings, and request closure. Chase will then walk you through what happens to any remaining balance and pending transactions.
Not every account type can be closed online. Money Market accounts, CDs (certificates of deposit), and some business accounts require a phone call to Chase customer service or a visit to a branch. If you have a mortgage, investment account, or credit card through Chase, those close through separate processes.
Before you close, make sure your account balance is zero or that you have arranged for Chase to send any remaining money to another bank account. Pending transactions—checks you wrote, automatic payments scheduled, or transfers in progress—can complicate closure, so check your recent activity first.
Key Takeaways
- Chase checking and savings accounts can be closed online through the website or mobile app, but Money Market accounts and CDs require a phone call.
- Your account balance must be zero before closure, or you must provide another bank account where Chase can send remaining funds.
- Cancel automatic payments and pending transfers before closing to avoid failed transactions after the account is gone.
- Chase will send you a confirmation email once the account is closed, and the closure typically takes one to three business days to complete.
Steps to close your account online
Log into Chase.com or the Chase mobile app with your username and password. Go to the account you want to close—tap or click on the account name to open its details page.
Look for a menu icon (three horizontal lines) or a "Settings" option, usually in the top right corner of the screen. Select "Close Account" or "Account Services" and then "Close This Account." Chase will show you the current balance and ask you to confirm the account has a zero balance or provide instructions for where to send remaining funds.
If your account has a positive balance, Chase will ask for a linked external bank account where they can transfer the money. You can use another Chase account or an account at a different bank. Provide the routing number and account number for the receiving account.
Review the closure summary, confirm your request, and submit. Chase will send a confirmation email to the address on file. The account will close within one to three business days, though you may see it listed as "closed" in your account immediately.
What to do before you close
Stop any automatic payments or recurring transfers linked to the account. Log into any services that pull money from this Chase account—utilities, subscriptions, insurance, loan payments—and update them to use a different account. Payments that try to process after closure will fail and may trigger overdraft fees or service interruptions.
Wait for any checks you have written to clear. If you close the account while checks are still outstanding, those checks may bounce when they arrive. Give yourself at least two weeks after writing a check before closing, or contact the payee to cancel the check if possible.
Review your recent transactions for any pending transfers or deposits. If you are waiting for a paycheck, tax refund, or transfer from another bank, let that complete before closing. Deposits that arrive after closure may be returned to the sender.
If you have a debit card linked to this account, it will stop working once the account closes. Destroy the card or wait until after closure to remove it from any online shopping sites or payment apps.
Accounts that require a phone call to close
Chase Money Market accounts, CDs, and some business accounts cannot be closed online. You will need to call Chase customer service at the number on the back of your debit card or on your statement. Have your account number and Social Security number ready.
If you have a CD, Chase will ask whether you want to close it before or after the maturity date. Closing early usually triggers an early withdrawal penalty, which Chase will deduct from your balance. Ask the representative what the penalty is before you confirm closure.
Business accounts, especially those with multiple signers or linked services, often require closure at a branch or by phone to verify that all authorized users agree to close. Call the business banking line or visit your local Chase branch.
What happens after you close
Chase will send a final statement to the email address on file, usually within five to seven business days. This statement shows all activity up to the closure date and confirms the final balance transferred or paid out.
The closed account will remain visible in your Chase login for a limited time—usually 30 to 90 days—so you can reference old statements or transactions. After that period, it disappears from your account list.
If you closed the account because of fraud or unauthorized activity, contact Chase fraud services immediately. Do not close the account until fraud has been investigated, because closing can make it harder for Chase to recover funds or provide documentation to law enforcement.
If you need to reopen the account
You can reopen a closed Chase account within a short window—usually 30 days—by calling customer service or visiting a branch. After that window closes, you will need to open a new account instead. The old account number will not be reactivated.
If you closed by mistake or changed your mind, call Chase immediately. The sooner you contact them, the better your chances of reopening without opening a brand new account.
Frequently Asked Questions
Will closing my Chase account hurt my credit score?
Closing a checking or savings account does not affect your credit score because those accounts do not appear on your credit report. Only credit products—credit cards, loans, lines of credit—show up on your credit history. Closing a checking account has no impact on credit.
What if I have pending direct deposits or automatic payments when I close?
Direct deposits and automatic payments will fail after the account closes. Update your employer, benefits provider, or billers to use a different account before you close. If a payment fails, you may face late fees or service interruptions, so plan ahead.
Can I close my account if it has a negative balance?
No. You must pay off any negative balance (overdraft) before closing. Chase will not let you close an account with money owed. Pay the balance through another Chase account or external transfer, then proceed with closure.
How long does it take for a closed account to stop showing up online?
The account usually disappears from your active account list within one to three business days, though it may remain visible in your transaction history or statements section for 30 to 90 days. You can still access old statements after closure for record-keeping.
Do I need to close my debit card separately?
No. When you close the account, the debit card linked to it automatically stops working. You do not need to call to deactivate it separately. Destroy the card once the account is closed.