You cannot close a Chase account entirely through their website or mobile app
Chase does not offer a full account closure option in their online banking portal or mobile app. You must call Chase customer service or visit a branch in person to close a checking or savings account. This is standard across most major banks — the closure process requires verification of your identity and confirmation that you want to permanently shut down the account, which banks handle over the phone or face-to-face rather than online.
Before you call or visit, make sure your account balance is zero. If you have money in the account, transfer it to another bank first. If you have a negative balance (you owe Chase money), you must pay that amount before closing. Chase will not close an account with an outstanding balance.
You should also cancel any automatic payments, direct deposits, or recurring transfers linked to the account. Chase will not do this for you during closure — if a payment tries to process after the account closes, it will fail and may trigger overdraft fees or late payment penalties on the original creditor's end.
Key Takeaways
- Chase account closure must happen by phone at 1-800-935-9935 or in person at a branch; there is no online closure option.
- Your account balance must be zero and any outstanding debt must be paid before Chase will close the account.
- Cancel all automatic payments, direct deposits, and recurring transfers before you call, because Chase will not stop them for you.
- After closure, keep your account number and routing number in case you need to dispute a transaction or claim a refund within the next 60 days.
- If you have a Chase credit card, closing your bank account does not close the credit card — you must handle those separately.
How to prepare your account for closure
Start by logging into your Chase account online or through the mobile app and reviewing your account activity. Look for any recurring charges, subscriptions, or automatic payments that are tied to this account. Common ones include utilities, insurance, gym memberships, streaming services, and loan payments. Write down the name of each service and the date it typically processes.
Next, transfer your remaining balance to another bank account. You can do this through Chase's transfer feature (if you have an account at another bank linked to Chase) or by withdrawing cash and depositing it elsewhere. If your balance is very small — under $25 — you can ask Chase to donate it to charity during the closure call, though not all representatives will do this. Most will simply close the account and keep the balance.
Check whether you have any outstanding fees or negative balance. If your account shows a negative number, that means you owe Chase money. You must pay this before closure. You can do this by transferring funds from another account, mailing a check, or paying over the phone when you call to close.
Calling Chase to close your account
Call Chase customer service at 1-800-935-9935. This number works for both checking and savings accounts. Have your account number ready, along with your Social Security number or tax ID. The representative will ask you to confirm your identity by answering security questions or providing information from recent transactions.
Tell the representative you want to close the account. They will ask why — this is optional to answer, but some representatives use your reason to offer retention options like waived fees or higher interest rates. If you do not want to hear a pitch, you can simply say you have decided to close it and prefer not to discuss alternatives.
The representative will confirm that your balance is zero and that you have no outstanding fees. If you do, they will tell you the amount and ask how you want to pay. Once everything is settled, they will process the closure. The account will close immediately, though it may take a few business days for the closure to appear in your online banking portal.
Ask the representative for a confirmation number and write it down. Also ask whether Chase will send a written confirmation in the mail. Some do, some do not — having the confirmation number protects you if there is a dispute later about whether the account was actually closed.
Closing your account in person at a Chase branch
If you prefer to close the account face-to-face, visit any Chase branch with a valid photo ID and your account number. Bring proof that your balance is zero — a recent statement or screenshot from your online account works. The branch representative will verify your identity, confirm the closure, and provide you with a receipt.
In-person closure can be faster than calling if your branch is not busy, and you get immediate written confirmation. However, branch hours are limited and you may have to wait. If you have a complex account — multiple linked accounts, pending transfers, or disputed transactions — a branch representative may still need to escalate the request or have you call customer service to complete it.
What happens after your account closes
Once closed, you cannot use the account for deposits, withdrawals, or transfers. Any attempt to use the debit card will be declined. Direct deposits will fail and bounce back to the sender. Automatic payments will fail and may trigger late fees with the creditor.
Chase will keep your account records for at least seven years. If you need to dispute a transaction or claim a refund within 60 days of closure, you can still contact Chase and they can investigate. After 60 days, your ability to dispute transactions becomes much harder. If you think there might be a disputed charge, contact Chase before closing the account.
Your credit report will show the account as closed. This does not hurt your credit score — closed accounts in good standing actually stay on your report longer and can help your credit history. However, if the account was closed due to overdraft or other problems, it may appear as negative on your report.
Closing a Chase credit card is separate from closing your bank account
If you have a Chase credit card, closing your bank account does not close the card. You must handle the credit card separately. To close a Chase credit card, call the number on the back of the card or call Chase credit card customer service at 1-800-935-9935 and ask for the credit card department.
Before closing a credit card, pay off the full balance. Do not close the card if you still owe money — this does not erase the debt, and it can hurt your credit score by reducing your available credit and increasing your credit utilization ratio. Once the balance is zero, the representative will close the card and provide a confirmation number.
What to do if you cannot reach Chase or encounter problems
If you call and cannot reach a representative, try calling during business hours — Chase customer service is typically available Monday through Friday from 8 a.m. to 9 p.m. Eastern Time, and Saturday and Sunday from 9 a.m. to 6 p.m. Eastern Time. Wait times are usually shorter early in the morning or mid-afternoon on weekdays.
If you have a problem during closure — for example, Chase says you have an outstanding balance but you believe you do not — ask the representative to explain the charge in detail. Request a written explanation by mail if you need time to review it. Do not close the account until you understand and resolve the issue.
If Chase refuses to close your account or you believe you were treated unfairly, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov. The CFPB investigates complaints against banks and can require Chase to respond within 15 business days.
Frequently Asked Questions
Will closing my Chase account hurt my credit score?
Closing a bank account does not directly affect your credit score because bank accounts do not appear on your credit report. However, if the account was closed due to overdraft or fraud, Chase may report it to ChexSystems (a banking history database), which can make it harder to open accounts at other banks in the future.
Can I reopen a Chase account I just closed?
Yes, but only within a limited window. If you closed the account within the last 30 days, you can usually reopen it by calling Chase. After 30 days, Chase treats it as a new account and you must go through the full application process again. Some branches may refuse to reopen if the original closure was due to fraud or repeated overdrafts.
What if I have pending transactions when I close my account?
Pending transactions may still process after closure if they were authorized before the account closed. Chase will attempt to process them, and if they succeed, the account will briefly reopen to complete the transaction. If the transaction fails, it will be declined. Contact the merchant to cancel any pending charges before you close the account.
Do I need to close my account in the same state where I opened it?
No. You can close a Chase account by phone from anywhere, and you can visit any Chase branch in any state to close in person. Chase accounts are national, so location does not matter for closure.
What if my account has a negative balance when I try to close it?
You must pay the negative balance before Chase will close the account. You can pay by phone using a debit card or bank account, by mailing a check, or by transferring funds from another account. The representative will tell you the exact amount owed and the payment methods they accept.