Yes, you can close most Chase checking accounts online through your account settings
Chase lets you close a checking account through their website or mobile app without calling or visiting a branch. The process takes a few minutes: log in, navigate to account settings, and request closure. Chase will confirm the closure and send you a final statement showing any remaining balance.
However, not every account can be closed online. If your account has an outstanding balance, pending transactions, or is linked to other Chase products (like a credit card or loan), you may need to call Chase at 1-800-935-9935 instead. Some older account types or accounts with fraud holds also require a phone call.
Before you close, make sure any automatic payments or direct deposits tied to that account are redirected elsewhere. Chase will not automatically transfer money to another account—you need to withdraw or transfer the balance yourself.
Key Takeaways
- Most Chase checking accounts can be closed online through the Chase website or mobile app in a few minutes.
- You must have a zero balance and no pending transactions before closing online; otherwise you will need to call Chase.
- Redirect any automatic bill payments or direct deposits to another account before you close, because Chase will not do this for you.
- Chase sends a final statement to your registered address showing the closure date and any remaining balance.
- If your account has fraud holds, outstanding balances, or is linked to credit products, phone closure may be required.
Steps to close your account online
Log into Chase.com or open the Chase mobile app and go to your account settings. Look for "Account Services" or "Manage Account"—the exact label varies by app version. Select the checking account you want to close.
Choose "Close Account" or "Request Account Closure." Chase will show you a summary of your account status and ask you to confirm. The system will tell you immediately if your account cannot be closed online and direct you to call instead. If closure is allowed, confirm your request and you will receive an on-screen confirmation with a reference number.
Save or screenshot the confirmation number. Chase will send a written confirmation to the address on file within 5 to 10 business days. This confirmation includes the closure date and any final fees or interest posted to your account.
What to do with your remaining balance
If your account has money in it, you must move or withdraw that balance before closing. You can transfer funds to another Chase account or an external bank account through Chase's transfer tool. Transfers to another Chase account are usually instant; transfers to external accounts take 1 to 3 business days.
Alternatively, you can withdraw cash at a Chase ATM or branch, or request a check from Chase. If you attempt to close an account with a balance, the online closure will be blocked and you will be told to call instead.
Redirect automatic payments and direct deposits first
Before you close, log into any accounts that send money to your Chase checking—your employer's payroll system, government benefit programs, or subscription services. Update the bank account information to point to your new account instead.
Do the same for any bills you pay automatically from this checking account. Log into each biller's website and change the account number. This step is critical: if you close the account and a payment tries to post, it will be rejected and you may face late fees or service interruptions.
Give yourself at least one full pay cycle or billing cycle to make these changes before you close. If you are unsure which payments are tied to the account, review your last three months of statements.
When you cannot close online and must call
Chase requires a phone call if your account has an outstanding balance (including overdraft fees), pending transactions that have not yet cleared, or is linked to a credit card, loan, or investment account. Accounts with fraud holds or recent disputes also cannot be closed online.
Call Chase at 1-800-935-9935 and have your account number and ID ready. A representative will review your account status and either close it over the phone or explain what needs to happen first. If there is a balance, they will walk you through transferring it. If there are pending transactions, they will tell you when the account can be closed.
Phone closures typically take 5 to 10 business days to process, the same as online closures. You will receive written confirmation by mail.
What happens after your account closes
Chase stops all activity on the account immediately after closure is confirmed. Any checks you have written that have not yet cleared will be rejected. Debit card transactions will be declined. Direct deposits and automatic payments will fail.
Your final statement will show the closure date and any last-minute fees or interest. Chase keeps records of closed accounts for seven years, so you can still request copies of old statements if you need them for tax or legal purposes.
If you have a Chase credit card or other products, closing your checking account does not affect them. They remain open unless you close them separately.
Frequently Asked Questions
How long does it take to close a Chase checking account?
Online closure is confirmed immediately, but the account is fully closed within 5 to 10 business days. You will receive written confirmation by mail. Phone closures take the same amount of time.
Will closing my Chase checking account hurt my credit?
No. Closing a checking account does not appear on your credit report and does not affect your credit score. Only credit products like credit cards and loans show up on your credit history.
Can I reopen a Chase checking account after I close it?
Yes, you can open a new Chase checking account at any time. However, if your old account was closed due to fraud or repeated overdrafts, Chase may review your history before approving a new account.
What if I close my account and then receive a check made out to that account?
The check will be rejected if it arrives after the account is closed. Contact the person or organization who sent it and ask them to issue a new check to your current account, or deposit it into another account if your name is on it.
Do I need to close my debit card when I close my checking account?
Your debit card will stop working once the account closes, so you do not need to close it separately. However, if you want to be extra cautious, you can request a new card for your new account before you close the old one.