You can close a Chase savings account online through the mobile app or website, but only if your account balance is zero and you have no pending transactions
Chase does not offer a full account closure option in their online banking portal or mobile app. Instead, you must withdraw your remaining balance to zero, then contact Chase by phone or visit a branch to formally close the account. The phone route is fastest: call the number on the back of your debit card or 1-800-935-9935, confirm your identity, and a representative will process the closure immediately. If you close in person at a branch, bring your ID and any account statements you have.
The reason for this two-step process is that Chase's systems require a zero balance before closure can be initiated. Once your balance is zero, the account sits in a closed state, but Chase may take several business days to remove it from your profile entirely. During that window, the account will not earn interest and you cannot make deposits or withdrawals.
Key Takeaways
- Withdraw your entire balance to zero before attempting to close; Chase will not close an account with money in it.
- Call 1-800-935-9935 or the number on your debit card to request closure once the balance is zero—this is the fastest method.
- Closing online is not possible; you must use the phone or visit a branch in person.
- After closure, allow three to five business days for the account to be fully removed from your Chase profile.
- If you have pending direct deposits or automatic payments tied to the account, cancel or redirect them before closing.
Withdraw your balance before you call Chase
Log into your Chase account online or through the mobile app and transfer your entire savings balance to another account—either another Chase account you own or an external bank account. You can use Chase's internal transfer tool (labeled "Transfer Money") to move funds between your own accounts instantly. To transfer to an external bank, use the "Pay People" or "Send Money" feature, though this may take one to three business days depending on the receiving bank.
If your balance is very small (under $25), you can also withdraw it in cash at a Chase branch or ATM. Once the balance reads $0.00 and all pending transactions have cleared, you are ready to call for closure.
Call Chase to close the account
Phone closure is the most direct route. Call 1-800-935-9935 (the general customer service line) or the number printed on the back of your debit card. Have your account number and a form of ID ready. When you reach a representative, tell them you want to close your savings account. They will confirm the balance is zero, ask why you are closing (optional to answer), and process the closure on the spot.
The representative will give you a confirmation number. Write it down or take a screenshot. This number is your proof of closure and can help if there are any disputes later about whether the account was actually closed.
Close in person at a Chase branch
If you prefer to close face-to-face, visit any Chase branch with your ID and your account number (or debit card). Tell the teller you want to close your savings account. They will verify the balance is zero and process the closure at the desk. This takes about five to ten minutes. You will receive a written confirmation slip; keep it for your records.
Branch closure is useful if you have questions about your account history or if you want to discuss moving your money to a different product before closing. It is also a good option if you are uncomfortable giving account details over the phone.
What happens to pending transactions and automatic payments
Before you close, check whether any automatic payments, direct deposits, or recurring transfers are tied to the savings account. Log into your Chase account and look for "Transfers," "Payments," or "Direct Deposits" in the settings menu. Cancel or redirect anything that is scheduled to hit this account after closure.
If a direct deposit or payment attempts to post to a closed account, Chase will reject it and send it back to the sender. This can delay your paycheck or cause a bill payment to fail. The sender (your employer or a biller) will then contact you asking for a new account number. It is much simpler to update these beforehand.
After closure: what to expect
Once you hang up the phone or leave the branch, the account is closed. However, it may take three to five business days for Chase to fully remove it from your online banking profile. During this time, you will not be able to log in and see the account, but it will still appear in your account list as "closed." After five business days, it should disappear entirely.
Chase will send you a final statement by mail within 30 days if there were any transactions in the final billing cycle. Keep this statement for your tax and financial records. If you never receive it, you can request a copy by calling customer service.
Reopen a closed Chase savings account
If you close your account and change your mind within a short window (usually 30 days), you may be able to reopen it by calling Chase. However, if more than 30 days have passed, Chase will treat a new account opening as a brand-new account, not a reopening. You will have a new account number, and any old debit cards tied to the closed account will not work.
There is no penalty for closing and reopening a Chase savings account, but you will lose any interest that was accruing on the old account once it is closed.
Frequently Asked Questions
Can I close my Chase savings account if I still have a small balance?
No. Chase requires the balance to be exactly zero before closure. Withdraw or transfer any remaining funds first, even if it is just a few cents. If rounding errors leave you with a penny or two, call Chase and they can sweep it to zero or send it to you.
Will closing my savings account hurt my credit score?
No. Closing a savings account does not affect your credit because savings accounts are not reported to credit bureaus. Only credit products (credit cards, loans, lines of credit) impact your score. You can close a savings account without any credit consequences.
What if I have a joint savings account—can I close it alone?
No. If the account is joint, both account holders must consent to closure. Call Chase together or have the other owner call separately to authorize the closure. Chase will verify both owners' identities before processing.
How long does it take to close a Chase savings account?
The closure itself is instant when you call or visit a branch. However, the account may take three to five business days to disappear from your online profile. If you need proof of closure immediately, ask the representative for a confirmation number or request a written statement.
Can I close my account online through the Chase app?
No. Chase does not offer online account closure through the app or website. You must call 1-800-935-9935 or visit a branch in person. This is a security measure to prevent accidental closures.