You can close a Chase account by phone, in person, or online, but the method depends on the account type and whether you have an outstanding balance
Chase lets you close most checking and savings accounts through their customer service line at 1-800-935-9935, at any Chase branch in person, or through the Chase mobile app or website. Before you close, make sure your account balance is zero or positive—if you owe money due to overdrafts or fees, Chase will not close the account until that debt is settled. You also need to have any automatic payments or direct deposits redirected to another account first, because Chase will not process transactions after closure.
The actual closure takes effect immediately when you close in person or by phone, though it can take up to 10 business days for the account to fully disappear from your Chase profile online. If you have a joint account, both account holders must request closure together, or one account holder can close it unilaterally depending on the account agreement—call Chase to confirm your specific situation.
Key Takeaways
- Call 1-800-935-9935, visit a branch, or use the Chase app to close your account, but only after your balance is zero or positive.
- Stop all automatic payments and redirect direct deposits before closing, because Chase will not process new transactions after the account closes.
- Account closure is immediate by phone or in person, but may take up to 10 business days to fully remove from your online profile.
- If you have a joint account, confirm with Chase whether both owners must request closure or if one person can close it alone.
- Request written confirmation of closure so you have proof the account is closed if a payment attempt bounces later.
Prepare your account before you request closure
Bring your account balance to zero or above before you contact Chase. If your account is overdrawn—meaning you owe Chase money—the bank will refuse to close it until you pay the negative balance. This includes overdraft fees, monthly maintenance fees, or any other charges Chase has applied. Check your current balance through the Chase app, website, or by calling customer service.
Next, stop all automatic bill payments that draw from this account. Log into your Chase account online and review the "Payments" or "Transfers" section to see which companies or people are set to receive money from this account. Contact each one directly to update your payment method to a different bank account or credit card. Chase will not redirect these payments for you, and if a payment attempt fails after closure, the merchant may charge you a returned-payment fee.
If you receive direct deposits—paychecks, benefits, tax refunds—contact your employer, benefits administrator, or the relevant agency to update your deposit account information. This process can take one to two pay cycles, so do this at least a week before you plan to close the account.
Close your account by phone
Call Chase customer service at 1-800-935-9935 and tell the representative you want to close your account. Have your account number ready. The representative will confirm your identity, review your account balance, and ask why you are closing (though you do not have to give a detailed reason). If your balance is positive, the representative will process the closure immediately.
Ask the representative to mail you a written confirmation of closure. This document protects you if a payment attempt bounces after closure or if a merchant claims your account is still active. The confirmation typically arrives within 5 to 10 business days. If you do not receive it within two weeks, call back and request it again.
Close your account in person at a Chase branch
Bring a government-issued photo ID and your debit card or account number to any Chase branch. Tell the teller you want to close your account. The teller will verify your identity, check your balance, and process the closure on the spot. If your account has a positive balance, the teller can issue you a check for that amount or transfer it to another account you provide.
Request a written receipt or letter confirming the closure. The teller should print or write this for you immediately. Keep this document for your records in case you need proof later that the account is closed.
Close your account through the Chase app or website
Log into your Chase account on the mobile app or at chase.com. Look for "Account Services," "Settings," or "Close Account" in the menu—the exact location varies depending on your account type and whether you are using the app or website. Select your account and follow the prompts to request closure.
Not all account types can be closed online. If you do not see a closure option, you will need to call or visit a branch instead. After you submit a closure request online, Chase will send you a confirmation email within one business day. Check your email (including spam folders) to make sure you received it. If you do not see a confirmation within 24 hours, call 1-800-935-9935 to confirm the request went through.
What happens to your money after closure
If your account has a positive balance when you close it, Chase will either mail you a check or transfer the money to another account you specify. If you requested a check, it typically arrives within 7 to 10 business days. If you provided another bank account for the transfer, the money moves within 1 to 3 business days. Keep the check or transfer confirmation in case you need to track the money later.
If your account is overdrawn, you must pay the negative balance before closure. Chase will not close an account with an outstanding debt. Once you pay, the account can be closed immediately.
After your account closes
The account will stop accepting transactions immediately, but it may take up to 10 business days to fully disappear from your Chase online profile. During this time, do not be alarmed if you still see it listed—this is normal. After 10 business days, it should no longer appear.
If a payment attempt hits your closed account after closure, the merchant will receive a "account closed" rejection. Some merchants charge a returned-payment fee for this, so make sure you have redirected all automatic payments before closure. If you receive a fee from a merchant due to a failed payment on your closed Chase account, contact the merchant to dispute the fee and explain that you closed the account.
Chase will keep records of your closed account for your protection. If you need a statement or transaction history from the closed account later, you can request it by calling 1-800-935-9935 or visiting a branch with your ID.
Frequently Asked Questions
Can I reopen a Chase account after I close it?
Yes, but Chase may treat it as a new account application. If you closed the account in good standing with no negative balance or fraud, reopening is usually straightforward. However, if you closed it due to overdrafts or other issues, Chase may decline to reopen it or require you to wait a certain period. Call 1-800-935-9935 to ask whether your account can be reopened.
What if I have a pending check or transfer that has not cleared yet?
Do not close your account until all pending transactions have cleared. If you close while a check or transfer is still processing, it may bounce or fail. Wait for your account statement to show all transactions as complete, then close. This typically takes 3 to 5 business days after the transaction date.
Do I need to close my Chase credit card at the same time as my bank account?
No. Your Chase bank account and Chase credit card are separate products. Closing your bank account does not affect your credit card, and vice versa. You can close one without closing the other.
What if Chase says my account cannot be closed?
Chase may refuse to close an account if it has a negative balance, if there are pending disputes or fraud claims, or if the account is linked to an active loan or credit product. Ask the representative why the account cannot be closed and what you need to do to resolve it. If you believe Chase is wrongly refusing closure, file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov.
How long does it take for my closed account to stop appearing on my credit report?
A closed bank account does not appear on your credit report—only credit accounts like credit cards and loans do. Your closed Chase bank account will not affect your credit score. However, if you had overdrafts or unpaid fees reported to a collection agency, that may appear on your credit report and take up to seven years to fall off.