You can close most Chase accounts online through your profile 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. Log into your Chase account, go to your profile or account settings, find the option to close an account, and follow the prompts. The process takes a few minutes, but Chase may ask you to confirm your request by phone or email depending on your account type and whether you have an outstanding balance.

Before you close, make sure your account balance is zero or positive. If you have overdrafts, pending transactions, or linked services (like bill pay or transfers), Chase will either ask you to settle them first or may not let you close online. Some accounts—like business accounts, credit cards, or accounts with fraud holds—can only be closed by calling Chase or visiting a branch in person.

Key Takeaways

  • Chase checking and savings accounts can be closed online through your account settings, but you must have a zero or positive balance first.
  • Cancel any automatic payments, transfers, or bill pay services linked to the account before you close it.
  • If you have a negative balance, pending transactions, or fraud holds, you will need to call Chase at 1-800-935-9935 or visit a branch instead.
  • After closing, keep your account number and routing number for your records in case you need proof of closure or have questions about old transactions.

Steps to close your account online

Start by logging into your Chase account on their website or mobile app. On the website, click on your profile icon or account menu (usually in the top right corner), then look for "Account Settings" or "Manage Your Account." On the mobile app, tap the menu icon and scroll to settings.

Once in settings, search for "close account" or "account closure." Chase groups this under account management or profile options. Select the account you want to close from the dropdown menu. Chase will show you your current balance and ask you to confirm that you want to proceed. If your balance is positive, you can choose to receive a check or transfer the funds to another account. If your balance is zero, you can close immediately.

After you confirm, Chase will send you an email confirmation with your closure date and reference number. Keep this email. Your account will close within one to three business days, though Chase may hold it open longer if there are pending transactions or holds on the account.

What to do before closing your account

Stop all automatic payments and recurring transfers at least a week before you close. Log into any services that pull money from this account—utilities, subscriptions, insurance, loan payments—and update them with a new payment method or account number. If you miss this step, payments may fail and you could face late fees or service interruptions.

Cancel any Chase bill pay services you have set up. Go to your bill pay settings and delete all scheduled payments. If you have checks still in circulation, wait until they clear before closing, or contact Chase to put a stop payment on them.

If you have a Chase debit card linked to this account, it will stop working once the account closes. Destroy the card or request a new one for any other Chase accounts you keep open. If you have direct deposit set up, update your employer or benefits provider with your new account information so your next deposit goes to the right place.

When you cannot close online

Chase will not let you close an account online if your balance is negative (you owe money), if there are pending transactions or holds on the account, or if the account is flagged for fraud or suspicious activity. In these cases, you must call Chase or visit a branch.

Business accounts, credit cards, and some savings products (like CDs or money market accounts) also cannot be closed through the website. Call Chase at 1-800-935-9935 to close these accounts. Have your account number and ID ready. The phone line is open Monday through Friday, 8 a.m. to 10 p.m. Eastern time, and Saturday 9 a.m. to 5 p.m. Eastern time.

If you prefer to close in person, visit any Chase branch with your ID and account number. A banker can close your account on the spot and handle any complications. This is also the fastest way if you have a large balance you want to withdraw in cash.

What happens to your money after closure

If your account has a positive balance when you close, Chase will transfer or mail the funds to you. During the online closure process, you can choose to have the money sent to another bank account (via ACH transfer, which takes one to three business days) or mailed as a check (which takes five to seven business days). If you do not choose during closure, Chase will mail a check to the address on file.

If you close an account with a negative balance, you owe Chase that amount. Chase will not close the account until the balance is paid. You can pay online, by phone, or at a branch. Once paid, the account will close.

After your account is closed

Your account number and routing number will no longer be active, but Chase keeps records of closed accounts for seven years. If someone tries to use your old account number for a payment or transfer, it will be rejected.

Keep your closure confirmation email and any documentation Chase sends you. If a company claims they never received a payment you made from this account, you can use your Chase records to prove the transaction went through. If you need a statement from your closed account, you can request it from Chase online or by calling customer service.

If you had a Chase debit card, it will be deactivated. Destroy it or wait for it to expire. Do not try to use it after closure—transactions will be declined.

Frequently Asked Questions

Can I reopen a Chase account I just closed?

Yes, but only within 30 days of closure. After 30 days, Chase treats it as a new account and may run a credit check. Contact Chase by phone or visit a branch to reopen within the window. After 30 days, you will need to open a new account through the normal process.

What if I close my account but still have a pending check or transfer?

Pending transactions can delay closure. Chase will hold the account open until they clear, which usually takes three to five business days. If a check or transfer is still pending after closure, it will still go through—Chase will process it even though the account is closed, then close it afterward.

Do I need to close my Chase credit card the same way?

No. Credit cards must be closed by phone. Call 1-800-935-9935 and ask to close your credit card account. Have your card number ready. Closing a credit card does not close your checking or savings account—they are separate.

Will closing my account hurt my credit score?

Closing a checking or savings account does not affect your credit score. Credit scores only track credit accounts like credit cards and loans. Closing a bank account has no impact on your credit report or score.

What if Chase says I cannot close my account online?

If the online option is not available, call 1-800-935-9935 or visit a branch. This usually means your account has a hold, negative balance, or pending transactions. A representative can explain why and help you resolve it before closing.