You can close a Chase checking account online through the Chase mobile app or website, but only if your account is in good standing and has a zero balance
Chase does not offer a fully online account closure process. You can initiate the closure through your Chase account, but you will need to call Chase customer service at 1-800-935-9935 to complete it. The phone call is required because Chase needs to verify your identity and confirm you have resolved any outstanding issues — unpaid fees, pending transactions, or linked services — before they will shut the account down.
The fastest route is to prepare before you call: bring your account number, confirm your balance is zero, and have any linked services (direct deposits, automatic payments, debit card) already moved or cancelled. This takes the conversation from 20 minutes to 5.
Key Takeaways
- Chase requires a phone call to close a checking account, even though you can start the process online through the app or website.
- Your account must have a zero balance and no pending transactions before Chase will close it.
- You need to cancel or redirect any automatic payments, direct deposits, or linked services before calling.
- Call 1-800-935-9935 during business hours (typically 7 a.m. to 11 p.m. ET, seven days a week) to complete the closure.
- Chase may ask about your reason for closing; this is routine and does not affect whether they will close the account.
What you need to do before calling Chase
Before you pick up the phone, move any money out of the account and make sure nothing is still pulling from it. Check for automatic bill payments, subscription charges, and direct deposits that are still routing to this account. You can see these in your transaction history or by logging into your Chase account and reviewing recent activity.
If you have a Chase debit card linked to this account, you do not have to cancel it before closing the account — but you should move it to a different Chase account if you want to keep using it. If you want to close the card itself, that is a separate process and you can do it during the same call.
Confirm your balance is exactly zero. Even a pending charge or a small fee can block the closure. If there is a fee you dispute, tell Chase during the call; they may reverse it so the account can close.
How to start the closure online
Log into your Chase account through the website or mobile app. Go to your account settings or account details page — the exact location varies slightly between the app and website, but look for a "Manage Account" or "Account Settings" section.
You may see an option to "Close Account" or "Request Account Closure." If you see this option and your account is in good standing, you can select it. This flags your account for closure and generates a reference number. Write down this number; you will give it to the representative when you call.
If you do not see a closure option online, that is normal — not all accounts show this feature. You can still call and close the account without starting online first.
The phone call to complete the closure
Call 1-800-935-9935. Have your account number, reference number (if you got one online), and a government-issued ID ready. The representative will verify your identity, confirm your balance is zero, and ask if there are any pending transactions or unresolved issues.
They will also ask why you are closing the account. This is standard procedure and does not affect whether they will close it. You do not have to give a detailed reason — "I am moving to another bank" or "I no longer need this account" is enough.
Once the representative confirms everything is clear, they will process the closure. The account will close immediately, though it may take a few business days for the closure to show in your online banking.
What happens after the account closes
Your debit card will stop working once the account is closed. If you linked this account to other services — PayPal, Venmo, your employer's direct deposit system — those connections will break. You will need to update those services with a new bank account or payment method.
Chase will send you a final statement by mail within 30 days. Keep this for your records. If there are any remaining issues — a charge that posts after closure, a refund headed to the old account — Chase can still process it, but you will need to contact them to redirect it.
If you had overdraft protection linked to another account, that will also be cancelled when this account closes.
If your account is not in good standing
If your account has a negative balance, unpaid fees, or is flagged for fraud or suspicious activity, Chase will not close it until those issues are resolved. You will need to bring the balance to zero and wait for any holds or investigations to clear.
If Chase has frozen your account due to suspected fraud, you will need to work with their fraud department first. Call the number on the back of your debit card or 1-800-935-9935 and explain the situation. They will walk you through verification and unfreezing before you can close.
Alternatives if you want to keep some Chase services
If you want to close this checking account but keep a Chase savings account or credit card, you can do that in the same call. Just tell the representative which accounts you want to keep and which you want to close.
If you are closing the account because of fees or service issues, ask the representative about other Chase checking account options. Chase offers several account types with different fee structures — some with no monthly fee if you maintain a minimum balance or set up direct deposit.
Frequently Asked Questions
Can I close my Chase checking account on the same day I open a new one somewhere else?
Yes. Make sure your new account is open and working first, then move any remaining money out of Chase and redirect automatic payments. Once that is done, call Chase to close. There is no waiting period.
What if I have a pending direct deposit or refund headed to this account?
Wait until it clears before closing. If you close the account and money arrives after, Chase will hold it and you will have to contact them to get it redirected or sent to you. It is simpler to wait the few extra days.
Do I lose my transaction history after I close the account?
No. Chase keeps your transaction history for seven years. You can still view it by logging into your Chase account online, even after the account is closed. Your final statement will also be mailed to you.
Will closing my Chase account hurt my credit score?
No. Closing a checking account does not affect your credit score. Credit scores are based on credit accounts — credit cards, loans, lines of credit — not deposit accounts.
What if I want to reopen the account later?
You can open a new Chase checking account at any time. If you closed it in good standing, there is no waiting period. You will go through the standard account opening process, and it will be treated as a new account.