You can close most Chase accounts online through the mobile app or website, but the process depends on your account type and balance
Chase lets you close checking and savings accounts through their website or mobile app without calling or visiting a branch. The steps are straightforward: log in, navigate to account settings, and request closure. However, some account types—like business accounts, credit cards, or accounts with outstanding issues—require a phone call or branch visit. You also need a zero balance before closure goes through, so you'll transfer or withdraw remaining funds first.
The actual closure typically completes within one to three business days after you submit the request online. Chase will send a confirmation email and may mail you a final statement. If you have pending transactions, direct deposits, or automatic payments linked to the account, those need to be handled before you close it.
Key Takeaways
- Checking and savings accounts can be closed online through Chase.com or the Chase mobile app by logging in and selecting the account closure option.
- Your account balance must be zero before Chase will process the closure, so transfer or withdraw all remaining money first.
- Pending transactions, automatic bill payments, and direct deposits should be redirected to another account before you request closure.
- Business accounts, credit cards, and accounts with holds or disputes require a phone call to Chase customer service at 1-800-935-9935 or a visit to a branch.
- Closure confirmation arrives by email within one to three business days, and you'll receive a final statement by mail.
Steps to close a checking or savings account online
Log into Chase.com or open the Chase mobile app and sign in with your username and password. Tap or click on the account you want to close, then look for "Account Settings" or "Manage Account." The exact label varies slightly between the website and app, but it's usually in a menu marked with three horizontal lines or a gear icon.
Select the option to close the account. Chase will show you the current balance and ask you to confirm. If the balance is not zero, you cannot proceed—you'll need to transfer the money out first. Once the balance is confirmed at zero, submit the closure request. Chase will send you an email confirmation, usually within a few minutes, with a reference number and the expected closure date.
Check your email for the confirmation. Keep this email and the reference number in case you need to verify the closure later or if there are any issues with the account after it closes.
What to do with money still in the account
Before you can close the account, you must move or withdraw every dollar. You have two main options: transfer the balance to another Chase account you own, or transfer it to an external bank account.
To transfer within Chase, use the "Transfer Money" feature in the app or website. Select the account you're closing as the source and choose another Chase account as the destination. The transfer usually completes the same day or by the next business day. If you want to withdraw cash instead, visit a Chase branch or use an ATM to withdraw the full balance. Some accounts may have daily withdrawal limits, so check your account terms if the balance is large.
If you're transferring to a bank outside Chase, use an external transfer or ACH (Automated Clearing House) transfer. This typically takes one to three business days. Set up the transfer in the "Transfer Money" section and select "External Account" or "Another Bank." You may need to verify the external account first by providing the routing number and account number.
Redirect automatic payments and direct deposits before closing
Any automatic bill payments or recurring charges tied to the account will fail once it closes. Before you request closure, log into each service that pulls money from this account—utilities, subscriptions, insurance, loan payments—and update the payment method to your new account or card.
If you receive direct deposits (paychecks, benefits, tax refunds), contact your employer or the organization sending the deposit and provide your new account number and routing number. This change can take one to two pay periods to take effect, so make the update well before you close the old account.
Check your recent transactions for any recurring charges you may have forgotten about. Look back three to six months to catch subscriptions or memberships you don't use frequently. Updating these before closure prevents failed payments and overdraft fees on your new account.
Account types that require a phone call or branch visit
Chase business accounts, credit cards, and accounts with holds or disputes cannot be closed online. If you have a business checking or savings account, you'll need to call Chase Business Banking at 1-800-935-9935 or visit a branch with a business representative present. Bring your business tax ID and any account documentation.
Credit card accounts must be closed by phone. Call the number on the back of your card or contact Chase at 1-800-935-9935. When you close a credit card, ask Chase to report it as "closed by customer" rather than "closed by creditor"—this distinction can affect your credit score slightly. Pay off any balance before calling, and confirm that the card is marked as closed in writing.
If your account has a hold placed by Chase (often due to fraud investigation, a dispute, or a legal matter), you cannot close it online. Call customer service to resolve the hold first, then request closure. If the account is overdrawn or has a negative balance, you'll also need to speak with a representative to settle the debt before closure can proceed.
What happens after you submit the closure request
Chase processes most online closure requests within one to three business days. You'll receive an email confirmation with a reference number and the expected closure date. The account will stop accepting new transactions immediately, though pending transactions that were already in process may still post.
A final statement will be mailed to the address on file, usually within five to seven business days. This statement shows all activity up to the closure date and confirms the zero balance. Keep this statement for your records, especially if you had recurring payments or direct deposits that needed to be redirected.
Once the account is closed, you cannot reopen it under the same account number. If you change your mind within a short window (typically 30 days), contact Chase to see if the account can be reinstated, though this is not may provide. After 30 days, the account is permanently closed and cannot be recovered.
Frequently Asked Questions
What if I have a pending direct deposit or check that hasn't cleared yet?
Wait for pending transactions to clear before closing the account. If a check or deposit is in process, it may bounce or be returned after the account closes. Contact the sender to confirm the transaction has posted, or delay closure by a few days to be safe.
Can I close a Chase account if I have a negative balance?
No. You must pay off any negative balance first. If the account is overdrawn, transfer money in or make a payment to bring it to zero. If you cannot pay, call Chase at 1-800-935-9935 to discuss payment options before attempting to close.
Will closing my Chase account hurt my credit score?
Closing a checking or savings account does not affect your credit score because these accounts don't appear on your credit report. Closing a credit card may have a small impact because it reduces your available credit, but the effect is usually temporary and minor.
How long does it take for a closed Chase account to stop showing up in my app?
The account typically disappears from your app within one to three business days after closure is complete. If it still appears after a week, log out and log back in, or clear your app cache. Contact Chase if it remains visible after that.
Can I close a joint account online if the other person doesn't agree?
No. Joint accounts require consent from all account holders. Both owners must agree to close the account. If you cannot reach the other person or they refuse, you'll need to call Chase to discuss your options, which may include removing yourself as an authorized user instead of closing the account entirely.