You can close most Chase accounts online through your account settings, 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, find the account closure option in settings, confirm you want to close it, and submit. Chase will then deactivate the account within one to three business days.
Not all Chase accounts can be closed online. If you have a credit card, investment account, or mortgage, you will need to call Chase or visit a branch. Even for accounts you can close online, Chase may ask you to transfer or withdraw your remaining balance first, depending on your account type and whether you have pending transactions.
Before you close an account, make sure no automatic payments or direct deposits are still linked to it. If you close an account with active transfers, Chase will reject them and the payments may fail — which can trigger late fees or overdraft charges on your other accounts.
Key Takeaways
- Chase checking and savings accounts can be closed online through the website or app, but credit cards, mortgages, and investment accounts require a phone call or branch visit.
- You must have a zero or positive balance and no pending transactions before closing an account online.
- Remove any automatic payments, direct deposits, or linked transfers at least one week before you close the account.
- After you submit the closure request online, Chase deactivates the account within one to three business days and sends a confirmation.
Steps to close a Chase checking or savings account online
Log into your Chase account on the website or open the mobile app. Go to the account you want to close and look for a settings or account options menu — this is usually represented by a gear icon or three dots. Select "Close Account" or "Account Closure."
Chase will show you the current balance and ask you to confirm the account has no pending transactions. If your balance is positive, you can request that Chase mail you a check or transfer the money to another Chase account. If your balance is negative (you owe money), you must bring it to zero before you can close the account.
Review the closure terms, which usually state that Chase will close the account within one to three business days. Confirm your request. Chase will send you an email confirmation with a reference number — save this for your records.
What you need to do before closing your account
Stop all automatic payments at least one week before you close the account. This includes bill payments, subscription renewals, and transfers to other accounts. Log into each service you pay from this account and update the payment method or cancel the recurring charge. If you miss this step and a payment tries to process after closure, it will fail and may trigger a late fee.
Remove any direct deposits that go to this account. Contact your employer's payroll department or the organization sending the deposit and provide them with your new account number. Direct deposits can take one to two pay cycles to update, so make the change well in advance.
Withdraw or transfer any remaining balance. If you have a positive balance, you can request a check by mail or transfer the money to another Chase account during the closure process. If you choose a check, it typically arrives within five to seven business days. Transfers between Chase accounts are usually instant.
Pay off any overdraft or negative balance. If your account is overdrawn, you cannot close it until the balance is zero. Transfer money from another account or deposit cash at a Chase branch or ATM to cover the negative balance.
Accounts you cannot close online
Chase credit cards must be closed by phone or in person. Call the number on the back of your card and ask to close the account. Chase will confirm your identity, review any remaining balance, and process the closure. If you have a balance, you will still owe it after the account closes — closing the card does not erase debt.
Mortgages, home equity lines of credit, and auto loans cannot be closed through the app or website. These require a phone call to Chase or a visit to a branch. For mortgages, you typically need to refinance or pay off the loan in full before closing the account.
Investment accounts, brokerage accounts, and Chase Sapphire Reserve or other premium checking accounts may have different closure procedures. Call Chase or visit a branch to confirm the steps for your specific account type.
What happens after you close your account
Chase deactivates the account within one to three business days of your request. You will receive an email confirmation with the closure date. After that, you cannot make deposits or withdrawals from the account, and any attempt to use the debit card will be declined.
If a payment or transfer tries to process after the account is closed, it will fail. The sender will receive a rejection notice, usually within one to two business days. This can trigger late fees if the payment was a bill, so make sure all recurring charges are moved to another account before closure.
Chase keeps records of closed accounts for your protection. If you need a statement or proof that the account is closed, you can request it through your online account or by calling Chase. Keep your closure confirmation email for at least one year in case a dispute arises.
If you cannot close your account online
Call Chase at the number on your account statement or debit card. A representative will verify your identity and walk you through the closure process. This usually takes 10 to 15 minutes. Ask the representative to email or mail you a confirmation of the closure.
Visit a Chase branch in person. Bring a government-issued ID and your debit card. A banker can close the account on the spot and provide you with a written confirmation. This is the fastest way to close an account if you need proof immediately.
If you have a joint account, both account holders may need to be present or provide written consent to close it. Check your account documents or call Chase to confirm the requirements for your specific account.
Common reasons your account closure might be delayed
Pending transactions will hold up closure. If you have a check that has not cleared, a transfer in progress, or a pending charge, Chase will not close the account until those transactions complete. This can take three to five business days. You can check pending transactions in your account activity and wait for them to post before requesting closure again.
An outstanding balance will prevent closure. If your account is negative or you owe fees, you must pay the balance to zero first. Transfer money from another account or deposit cash to cover it, then request closure again.
Fraud holds or account disputes can delay closure. If Chase has flagged your account for suspicious activity or you have reported fraud, the account may be frozen while Chase investigates. You will need to resolve the dispute before you can close the account. Chase will contact you if this is the case.
Frequently Asked Questions
Will closing my Chase account hurt my credit score?
Closing a checking or savings account does not affect your credit score because these accounts do not appear on your credit report. Closing a credit card can lower your score slightly because it reduces your available credit, but the impact is usually small and temporary. Paying off the card before closing it minimizes the damage.
Can I reopen a Chase account after I close it?
Yes, you can open a new Chase account after closing one. However, if you closed the account due to overdrafts or fraud, Chase may review your history before approving a new account. There is no waiting period to reopen an account, but Chase may deny the application if you have recent negative activity.
What if I close my account but still receive mail from Chase?
Chase may send statements or notices for a few weeks after closure. You can ignore these or call Chase to confirm the account is closed and ask them to stop sending mail. If you receive bills or collection notices after closure, contact Chase immediately — this usually means a pending transaction posted after the account closed.
Do I need to destroy my debit card after closing my account?
You should destroy or dispose of your debit card after the account closes to prevent accidental use or fraud. Cut it in half or shred it. You do not need to return it to Chase unless they specifically ask you to.
Can I close my Chase account if I have a negative balance?
No. You must bring the account to zero or positive before closure. Transfer money from another account to cover the negative balance, then request closure. If you do not pay the negative balance, Chase will continue to charge fees and may send the debt to collections.