How to close a Chase account
You can close a Chase account by calling Chase customer service, visiting a branch in person, or using the Chase mobile app or website. The fastest route is usually a phone call to the number on the back of your card or to Chase customer service at 1-800-935-9935. You will need to confirm your identity, settle any outstanding balance, and arrange for any automatic payments or direct deposits linked to the account to move elsewhere before the account closes.
Chase does not charge a fee to close an account, but you are responsible for any remaining balance or overdrafts. If you have a credit card, closing the account will show on your credit report and may affect your credit score, particularly if the card represents a large portion of your available credit. If you have a checking or savings account, closing it does not affect your credit.
Key Takeaways
- Call Chase customer service at 1-800-935-9935, visit a branch, or use the mobile app to request account closure.
- You must pay any outstanding balance or overdraft fees before the account can close.
- Move any automatic bill payments, direct deposits, or recurring charges to another account before closing.
- Closing a credit card may lower your credit score if it represents a large share of your available credit.
- The account typically closes within one to two weeks after you request it.
What to do before you close the account
Before you request closure, make a list of everything tied to the account. This includes automatic bill payments (utilities, insurance, subscriptions), direct deposits from your employer or benefits, and any recurring charges from merchants. Log into your Chase account online or through the app and review the past three months of transactions to catch anything you might have forgotten.
Contact each company or employer and update your payment or deposit information with your new bank account details. Most allow you to change this online or by phone. Give yourself at least one to two weeks for this process, because some companies take time to process the change and you do not want a payment to fail or a deposit to bounce after your Chase account is closed.
If you have a Chase credit card, pay the full balance or as much as you can. You can still use the card after closure, but you will not be able to make new charges once the account is closed, and you will need to pay any remaining balance through a different method (usually by mail or phone).
Closing the account by phone
Call Chase customer service at 1-800-935-9935. Have your account number and a form of identification ready. The representative will confirm your identity by asking for your Social Security number, date of birth, or other personal details.
Tell the representative you want to close the account. They will review your account balance, confirm there are no pending transactions, and ask why you are closing (this is optional to answer). If there is an outstanding balance, you will need to pay it immediately by debit card, bank transfer, or check. The representative will give you a confirmation number and tell you when the account will close—usually within one to two weeks.
Closing the account in person at a branch
Visit any Chase branch with a government-issued ID and your account number or debit card. Ask to speak with a banker or customer service representative and tell them you want to close the account. They will pull up your account, review the balance, and ask the same questions as a phone representative.
If you have cash or checks in the account, the branch can issue you a cashier's check or process a withdrawal on the spot. If there is an outstanding balance, you can pay it at the branch. You will receive a written confirmation of the closure request.
Closing the account through the Chase app or website
Log into your Chase account on the website or mobile app. Go to Settings or Account Settings, then look for an option labeled "Close Account" or "Account Services." Not all account types allow online closure—if you do not see this option, you will need to call or visit a branch.
If the option is available, Chase will walk you through a series of questions to confirm you want to close the account and verify that there are no outstanding balances or pending transactions. You will receive a confirmation number via email. The account will close within one to two weeks.
What happens after you request closure
Your account will remain open for one to two weeks after you request closure. During this time, any checks you have written may still clear, and any automatic payments you forgot to cancel may still process. For this reason, keep enough money in the account to cover these transactions, or contact Chase if you need to stop a specific payment.
Once the account is closed, you will no longer be able to access it online or use any debit card associated with it. If you have a Chase credit card linked to the closed checking account, the credit card itself remains open unless you also request to close it. Any statements or tax documents (like 1099 forms) will be mailed to the address on file or made available through your Chase online account for a limited time.
Closing a Chase credit card
Closing a credit card works differently than closing a checking or savings account. Call the number on the back of your card or Chase customer service at 1-800-935-9935 and say you want to close the card. Pay the full balance before or during the call if possible.
The card will stop working immediately, but the account will show as "closed" on your credit report for up to seven years. This can lower your credit score because it reduces your total available credit and may increase your credit utilization ratio (the percentage of your credit limit you are using across all cards). If you want to keep the card open but stop using it, you can simply put it away instead of closing it—this preserves your available credit without the score impact.
What to do if you have a problem closing the account
If Chase denies your closure request or says there is a hold on the account, ask why. Common reasons include an outstanding balance, a pending dispute, a fraud investigation, or a legal hold. If the reason is a balance, pay it and request closure again. If the reason is a dispute or investigation, ask how long it will take to resolve and when you can close the account afterward.
If you believe Chase is wrongly refusing to close your account, file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov or by phone at 1-855-411-2372. You can also contact your state's banking regulator or the Office of the Comptroller of the Currency (OCC) if you believe Chase has violated banking rules.
Frequently Asked Questions
Will closing my Chase account hurt my credit?
Closing a checking or savings account does not affect your credit score. Closing a credit card may lower your score because it reduces your available credit, but the impact is usually temporary. The closed account will appear on your credit report for up to seven years but becomes less important over time as newer accounts and payments are added.
Can I reopen a Chase account after I close 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 in good standing, opening a new account is straightforward.
What happens to my debit card when I close my checking account?
Your debit card will stop working immediately after the account closes. Chase will not automatically send you a new card. If you open a new Chase account, you can request a new debit card during the account setup process or afterward through the app or a branch.
Do I need to close my account in person, or can I do it over the phone?
You can close most Chase accounts over the phone or through the app. Visiting a branch is not required unless you want to withdraw cash or prefer to handle it in person. Phone closure is usually faster and does not require you to travel.
How long does it take for a Chase account to fully close?
Most Chase accounts close within one to two weeks after you request closure. During this time, the account remains open to process any pending transactions. After the closure date, the account will no longer be accessible, but you may still receive statements or tax documents for the previous year.