You can close most Chase accounts online through the mobile app or website, but some account types require a phone call or branch visit

Chase lets you close checking and savings accounts through their website or mobile app without visiting a branch. The process takes a few minutes: log in, navigate to account settings, and request closure. Chase will then verify your account has no outstanding checks or pending transactions before finalizing the closure, which typically happens within 5 to 7 business days.

Not every account type can be closed online. Credit cards, investment accounts, and business accounts have different closure procedures. If you have a mortgage, home equity line of credit, or other loan with Chase, those stay separate from your deposit account closure. You'll need to handle those independently or contact Chase directly if you want to close everything at once.

Key Takeaways

  • Checking and savings accounts can be closed online through Chase.com or the Chase mobile app by logging in and selecting account settings.
  • Your account must have a zero balance and no pending transactions before Chase will process the closure request.
  • Closure typically takes 5 to 7 business days after you submit the request online.
  • Credit cards, investment accounts, and business accounts require phone or branch closure and cannot be closed through the online portal.
  • Any remaining funds will be transferred to another account or mailed as a check, depending on what you specify during closure.

Steps to close your account through Chase.com

Log into your Chase account on the website. Go to the settings or account management section—this is usually found in the top right corner under your profile menu or in the main navigation. Look for an option labeled "Close Account" or "Account Services." Select the account you want to close from your list of deposit accounts.

Chase will show you the current balance and ask you to confirm that all checks have cleared and no automatic payments are pending. If your balance is not zero, you must withdraw or transfer the remaining funds before proceeding. Once you confirm, Chase will ask where you want any remaining balance sent—either to another Chase account, another bank account, or as a mailed check. Submit the closure request.

You'll receive a confirmation number. Save this for your records. Chase will send a confirmation email within 24 hours. The account will close within 5 to 7 business days. During this time, any pending transactions may still post, so monitor your account until closure is complete.

Closing your account through the Chase mobile app

Open the Chase mobile app and log in. Tap the account you want to close to view its details. Look for a menu icon (three horizontal lines or three dots) and select "Account Settings" or "Manage Account." Scroll down to find "Close Account" or a similar option.

The app will walk you through the same verification steps as the website: confirming your balance is zero, checking for pending transactions, and specifying where remaining funds should go. Complete each step and submit your closure request. You'll receive a confirmation number on screen and via email.

What happens if your account has a balance or pending transactions

Chase will not close an account with an outstanding balance. You must withdraw all remaining funds or transfer them to another account before submitting a closure request. You can do this through a transfer to another bank, an ATM withdrawal, or a teller visit.

Pending transactions—including automatic bill payments, pending deposits, or checks you've written—will block closure. Wait for these to clear or cancel them before requesting closure. If you have recurring automatic payments set up, cancel them first or update them to a different account. Chase will tell you specifically what is pending if you try to close and cannot.

Account types that require phone or branch closure

Chase credit cards cannot be closed online through the account portal. Call the number on the back of your card or contact Chase at 1-800-935-9935 to close a credit card account. Business checking and savings accounts also require a phone call or branch visit. Investment accounts, brokerage accounts, and retirement accounts (IRAs, 401(k)s) managed through Chase must be closed by phone or in person.

If you have a mortgage, home equity line of credit, auto loan, or personal loan with Chase, closing your deposit account does not affect those loans. You can close your checking or savings account independently. However, if you want to close everything and pay off loans, contact Chase to discuss your options and ensure no automatic payments will fail.

What to do with direct deposits and automatic payments before closing

Before you close your account, update any direct deposits (paychecks, government benefits, tax refunds) to point to a new account. This usually takes 1 to 2 pay cycles, so make the change at least a week before you plan to close. Contact your employer, benefits administrator, or the relevant agency to update your banking information.

Cancel or redirect all automatic bill payments. Log into each biller's website or app and update your payment method. Do not rely on the account closure to stop payments—some billers may attempt to charge a closed account, which can result in overdraft fees or failed payments. Give yourself at least 5 to 7 days to update everything before submitting your closure request.

What happens to your debit card and checks after closure

Your debit card will stop working once the account closes, usually within 24 hours of closure completion. Destroy the card by cutting it up or shredding it. Do not throw it away intact.

Any checks you've written that have not yet cleared may still post to the closed account. Chase will honor checks for a limited time after closure (typically 6 months), but the process is slower. If you have outstanding checks, wait for them to clear before closing, or contact Chase to confirm they will honor them after closure. Checks written after closure will bounce.

Frequently Asked Questions

How long does it take for Chase to close my account after I request it online?

Closure typically takes 5 to 7 business days from the date you submit your request. Chase may take longer if there are pending transactions or if they need to verify your identity. You'll receive email confirmation when the closure is complete.

Can I reopen a Chase account after I close it?

Yes, you can open a new Chase account after closing one. However, if your account was closed due to fraud, repeated overdrafts, or violation of Chase's terms, you may be flagged in ChexSystems (a banking history database) and have difficulty opening a new account elsewhere. Contact Chase if you want to know why your account was closed.

What if I have a Chase credit card linked to my checking account?

Closing your checking account does not close your credit card. The two are separate products. Your credit card will remain active and you can continue using it. You'll need to close the credit card separately by calling Chase or visiting a branch.

Will closing my Chase account hurt my credit score?

Closing a checking or savings account does not directly affect your credit score because deposit accounts are not reported to credit bureaus. However, if you close a credit card account, it may have a small impact on your credit utilization ratio and average account age. Closing a deposit account has no credit impact.

What if I close my account but still have pending checks?

Chase will honor checks for a period after closure, but processing will be slower. The check will still draw from your closed account. To avoid complications, wait for all checks to clear before closing, or contact Chase to confirm they will honor outstanding checks after closure.