How to close a Chase account

You can close a Chase checking or savings account by calling Chase customer service at 1-800-935-9935, visiting a Chase branch in person, or using the Chase mobile app or website. The fastest method is usually a phone call, which takes about 10 minutes. Before you close, make sure you have no pending transactions, transfer any remaining balance to another account, and set up direct deposit elsewhere if your paycheck goes to Chase.

Chase does not charge a fee to close an account. If you have a negative balance (you owe Chase money), you must pay that amount before closing. If you have a positive balance, Chase will send you a check or transfer the funds to another bank account you provide.

Key Takeaways

  • Call 1-800-935-9935, visit a branch, or use the Chase app to close your account—phone is fastest and requires no appointment.
  • Transfer your remaining balance to another account before closing, and update any automatic payments or direct deposits linked to the Chase account.
  • If you owe Chase money, you must pay it before the account closes; if Chase owes you money, they will mail a check or transfer it to an account you name.
  • Chase will send you a final statement showing the account closure date and any remaining balance within 30 days.

Steps to close your account by phone

Call Chase customer service at 1-800-935-9935 during business hours (typically 7 a.m. to 11 p.m. ET, seven days a week). Have your account number and a government-issued ID ready. Tell the representative you want to close the account and confirm the reason if asked—Chase does not require a specific reason.

The representative will review your account balance, confirm any pending transactions, and ask where you want remaining funds sent. If you have a positive balance under $100, Chase may mail a check automatically. For larger amounts, provide the routing number and account number of the bank where you want the money transferred. The representative will give you a confirmation number and a closure date, usually within 5 to 10 business days.

Closing your account in person at a branch

Walk into any Chase branch with your ID and debit card. Tell a teller you want to close your account. They will pull up your account, review the balance, and ask where you want remaining funds sent. This process takes 10 to 15 minutes and you will receive a receipt confirming the closure date.

In-person closure is useful if you have questions about your account history or if you prefer to handle it face-to-face. No appointment is needed at most branches, but you can call ahead to confirm hours or ask about wait times.

Closing your account online or through the app

Log into Chase.com or the Chase mobile app, go to your account settings, and look for "Close Account" or "Account Services." Not all account types allow online closure—if you do not see the option, you will need to call or visit a branch. The online process asks you to confirm your balance and where you want remaining funds sent, then provides a confirmation number.

Online closure is convenient but offers no real-time confirmation. If you do not receive a confirmation email within 24 hours, call customer service to verify the closure went through.

What to do before closing your account

Stop using your Chase debit card immediately after requesting closure. Any transactions you make after the closure request may be declined or cause problems with the closing process. If you have automatic bill payments set up through Chase, change them to your new bank account at least one week before closure. This includes utilities, insurance, subscriptions, and loan payments.

If your paycheck is deposited directly into Chase, update your employer's payroll system with your new bank account number and routing number. This typically takes one pay period to take effect. Check your Chase account online for any pending deposits or withdrawals that have not cleared yet—wait for these to complete before closing.

If you have a Chase credit card linked to your checking account for automatic payments, update the payment method on that card to your new bank account or set up a different payment method. Closing your checking account does not close your credit card, but it will break the automatic payment link.

What happens to your remaining balance

If your account has a positive balance (Chase owes you money), you choose how to receive it during the closure process. For amounts under $100, Chase typically mails a check to your address on file within 5 to 10 business days. For larger amounts, you can request a direct transfer to another bank account—provide the routing number and account number, and the transfer usually completes within 3 to 5 business days.

If your account has a negative balance (you owe Chase money), you must pay the full amount before the account closes. You can pay online, by phone, or in person at a branch. Chase will not process the closure until the debt is paid.

Timing and confirmation

Most Chase accounts close within 5 to 10 business days of your closure request. You will receive a final statement by mail within 30 days showing the closure date, your final balance, and any fees or interest charged up to the closure date. Keep this statement for your records.

After closure, you will no longer be able to access the account online or use the debit card. Any checks you wrote from the account before closure may still clear—if this happens after the account closes, Chase will honor the check and may charge you an overdraft fee. To avoid this, wait at least two weeks after closure before assuming all checks have cleared.

Frequently Asked Questions

Can I reopen a Chase account after closing it?

Yes, you can open a new Chase account at any time. However, if you closed the account due to a negative balance or fraud, Chase may flag your profile and require additional verification. If you closed it simply because you no longer needed it, reopening is straightforward and takes about 10 minutes online or in a branch.

What if I have a Chase credit card—does closing my checking account affect it?

No. Closing your checking account does not close your credit card. However, if you set up automatic payments from your checking account to pay your credit card bill, that link will break. You must update your payment method before closing the checking account, or your credit card payment may be missed.

How long does it take to receive my remaining balance after closing?

If you request a check, it arrives within 5 to 10 business days. If you request a direct transfer to another bank account, it typically completes within 3 to 5 business days. You can track the status by calling Chase customer service with your confirmation number.

Will closing my Chase account hurt my credit score?

Closing a checking account does not affect your credit score because checking accounts are not reported to credit bureaus. Your credit score is based on credit cards, loans, and payment history—not deposit accounts.

What if I have pending direct deposits or automatic payments when I close?

Pending transactions may be rejected or delayed if they arrive after the account closes. Update your direct deposit and automatic payments at least one week before closure. If a payment is rejected after closure, contact the biller to resubmit it from your new account.