You can close most Chase accounts online through your account settings, but the method depends on the account type

Chase lets you close checking and savings accounts through their website or mobile app without calling or visiting a branch. Log into your Chase account, navigate to account settings, and look for the option to close the account. The process takes a few minutes, but you'll need to handle a few things first: make sure your account balance is zero, set up any automatic payments to come from a different account, and confirm you have no pending transactions.

Some account types—like business accounts, credit cards, and investment accounts—cannot be closed online. Credit cards must be closed by phone or in person. If you have a business checking account or a Chase investment account, you'll need to contact Chase directly.

Key Takeaways

  • Personal checking and savings accounts can be closed online through your Chase account settings or mobile app.
  • Your account balance must be zero before you can close it; you'll need to withdraw or transfer any remaining funds.
  • Any automatic bill payments or direct deposits linked to the account must be moved to a different account first.
  • Credit cards, business accounts, and investment products require a phone call or branch visit to close.
  • After closing, keep your account number and routing number for your records in case you need them for tax or payment disputes.

Steps to close your Chase checking or savings account online

Start by logging into your Chase account on the website or opening the Chase mobile app. Go to your account settings—this is usually found in a menu labeled "Settings," "Profile," or a gear icon. Look for an option that says "Close Account" or "Account Services." Chase will show you a list of your accounts; select the one you want to close.

Before you proceed, Chase will confirm that your account balance is zero. If you have money in the account, you must withdraw it or transfer it to another account first. You can do this through a transfer to another Chase account, a transfer to an external bank account, or by withdrawing cash at an ATM or branch.

Next, review any automatic payments or recurring charges tied to the account. Check your recent statements for subscriptions, bill payments, or transfers that happen regularly. You'll need to update these to pull from a different account before closing. Chase will not close the account if active automatic payments are still linked to it.

Once your balance is zero and automatic payments are moved, confirm the closure. Chase will send you a confirmation email. Your account will close within one to three business days, though some accounts close immediately.

What to do with pending transactions and automatic payments

If you have automatic bill payments set up through Chase, you must change them before closing the account. Log into each biller's website—your utility company, insurance provider, loan servicer, or subscription service—and update your payment method to a different bank account or credit card. This usually takes five to ten minutes per biller.

If you have direct deposits coming into the account (paycheck, government benefits, or transfers from another account), contact your employer or the organization sending the deposit and provide your new bank account number and routing number. Direct deposit changes typically take one or two pay cycles to take effect, so plan ahead if you're closing an account soon.

Check your last three months of statements for any recurring charges you might have forgotten about. Streaming services, gym memberships, insurance premiums, and loan payments often run quietly in the background. Missing one of these payments because you closed the account can trigger late fees or service interruptions.

Account types you cannot close online

Chase credit cards must be closed by phone. Call the number on the back of your card or contact Chase at 1-800-935-9935. Have your card number ready. When you close a credit card, ask the representative to confirm the account shows a zero balance and request written confirmation of the closure. Keep this confirmation for your records.

Business checking accounts, business savings accounts, and business credit cards require a visit to a Chase branch or a call to your business banking representative. If you have a dedicated business banker, contact them directly. Otherwise, call the business banking line or visit your local branch with your business tax ID and identification.

Chase investment accounts, brokerage accounts, and retirement accounts (IRAs, 401(k)s) cannot be closed through the standard account closure process. Contact Chase Investment Services or visit a branch. Retirement accounts have special rules about withdrawals and transfers, so speak with a representative before closing.

What happens after you close your account

Once your account closes, you can no longer use the debit card or checks associated with it. If you have checks left, destroy them or contact Chase to request they be cancelled. Your debit card will stop working immediately or within one to three business days.

Chase will mail you a final statement showing the account closure date and any remaining activity. Keep this statement for your records. If you had overdraft protection or linked accounts, those links will be severed.

If you're owed a refund—for example, if a pending transaction posts after closure—Chase will mail it to you. This can take several weeks. If you don't receive it, contact Chase with your account number and the transaction details.

Reasons to keep your account number after closing

Even after your account closes, save your account number and routing number. If a company tries to charge your old account after closure, you'll need these numbers to dispute the charge. You may also need them for tax purposes if you received 1099 forms or other tax documents tied to the account.

If you're disputing a transaction or a company claims you owe money, having your old account information helps you prove which account the charge was tied to. Keep your final statement and any confirmation emails from Chase for at least one year.

Frequently Asked Questions

What if I have a negative balance when I try to close my account?

You cannot close an account with a negative balance (overdraft). You must deposit money to bring the balance to zero first. If you owe Chase money due to overdraft fees, you'll need to pay that before closing. Contact Chase if you're unsure of the exact amount owed.

Can I reopen a Chase account I just closed?

Yes, you can reopen a closed account within a short window—usually 30 days—by contacting Chase. After 30 days, you'll need to open a new account instead. If you closed due to a mistake, call Chase right away to see if they can reverse the closure.

Will closing my Chase account hurt my credit score?

Closing a checking or savings account does not affect your credit score. Credit scores only track credit accounts like credit cards, loans, and lines of credit. Closing a debit account has no impact on your credit history or score.

What if my account has pending deposits or withdrawals?

Wait for all pending transactions to clear before closing. Pending transactions can take one to three business days to post. Check your account activity to confirm everything has cleared, then close once your balance is truly zero.

Do I need to close my account in person, or can I really do it online?

For personal checking and savings accounts, online closure is available and works fine. You do not need to visit a branch unless you prefer to or have a business account. The online process is faster and you'll get immediate confirmation.