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 mobile app, website, or by calling customer service at 1-800-935-9935. If you have a credit card, you close it differently than a deposit account. Before you close anything, make sure you've transferred your money out, set up direct deposit elsewhere if you need it, and paid off any balance on the account. Chase will not close an account with a negative balance — you have to bring it to zero first.
The fastest route is usually the Chase mobile app or website if you're closing a checking or savings account. For credit cards, you can call or use the app. In-person closure at a branch works too, but requires a trip and a wait. The whole process takes a few minutes on the phone or app, though it can take 5 to 10 business days for the account to fully close on Chase's end.
Key Takeaways
- Deposit accounts (checking and savings) close through the app, website, or phone; credit cards close through the app or phone only.
- You must have a zero balance and no pending transactions before Chase will close the account.
- If you receive direct deposit, change it to your new bank before closing, or your paycheck will bounce.
- After you request closure, allow 5 to 10 business days for the account to fully close and any remaining funds to be sent to you.
- Closing a credit card does not hurt your credit score directly, but it can lower your available credit and raise your credit utilization ratio.
How to close a checking or savings account through the app or website
Open the Chase mobile app or go to chase.com and sign in. Navigate to the account you want to close — you'll see it listed under "Accounts." Tap or click on the account, then look for a menu icon (three horizontal lines) or a "Settings" option. Select "Close Account" or "Account Services," then follow the prompts. Chase will ask you to confirm that you want to close it and may ask why. Answer honestly but briefly — this is for their records, not a judgment.
Before you hit confirm, Chase will show you the current balance and any pending transactions. If there's money in the account, you'll need to transfer it out first or request that Chase send it to you by check or ACH transfer. If there are pending charges, wait for them to clear before closing. Once you confirm, the closure request goes through immediately, though the account won't fully close for several business days.
Closing a checking or savings account by phone
Call Chase customer service at 1-800-935-9935. Have your account number and Social Security number ready. Tell the representative you want to close your account. They'll verify your identity, check the balance, and ask about any pending transactions. If the balance is zero and there are no holds, they can process the closure right away.
If you have money in the account, the representative will ask how you want it sent — by check to your address on file, or by ACH transfer to another bank account. Provide the routing and account number if you choose ACH. The representative will confirm the closure and give you a reference number. Write it down. The account will close within 5 to 10 business days.
Closing a Chase credit card
Credit cards close differently than deposit accounts. You can close a Chase credit card through the mobile app, online at chase.com, or by calling 1-800-935-9935. The card must have a zero balance — you can't close it while you owe money. If you have a balance, pay it off first, then request closure.
Through the app or website, find the card under "Credit Cards," tap or click it, then look for "Account Services" or "Close Account." Follow the prompts. By phone, tell the representative you want to close the card. They'll confirm the balance is zero, ask if you want to keep the account open for rewards or other reasons (you can decline), and process the closure. The card will stop working immediately, but the account stays on your credit report for up to seven years.
What happens to your money and pending transactions
Any money left in a closed deposit account will be sent to you. Chase can mail a check to the address on file or transfer it by ACH to another bank account if you provide the routing and account number. This usually takes 5 to 10 business days. If you don't claim the money within a certain period (varies by state, typically three to five years), it goes to your state's unclaimed property program, and you can retrieve it from there.
Pending transactions — debit card charges, automatic bill payments, checks you've written — can still clear after you request closure. If a transaction clears after the account is closed, Chase will return the funds to the sender and may charge you an overdraft fee. To avoid this, cancel any automatic payments before closing, wait for outstanding checks to clear, and give yourself a week of buffer time.
Updating direct deposit and automatic payments before you close
If your paycheck goes to this Chase account through direct deposit, you must change it before closing. Contact your employer's payroll department and provide your new bank's routing number and account number. This usually takes one to two pay cycles to take effect. If you close the account before direct deposit switches, your paycheck will be rejected and returned to your employer, and you'll have to resubmit the new information.
Similarly, if you have automatic bill payments set up from this account — utilities, insurance, loan payments, subscriptions — change them to your new bank account or payment method before closing. Log into each biller's website or call them to update your payment information. This prevents missed payments and overdraft fees on your old account.
What to do if you have an outstanding balance or negative balance
If your account is overdrawn (negative balance), you must deposit money to bring it to zero before Chase will close it. The negative balance usually includes overdraft fees. Check your current balance in the app or by calling customer service. Deposit the amount needed through mobile check deposit, a transfer from another account, or an in-person deposit at a branch.
If you owe money on a credit card, you cannot close it until the balance is paid in full. Make a payment through the app, website, or by phone. Once the balance reaches zero, you can request closure. If you're having trouble paying, contact Chase before closing — they may offer a payment plan or hardship program.
Frequently Asked Questions
Will closing my Chase account hurt my credit score?
Closing a deposit account (checking or savings) does not affect your credit score at all — banks don't report deposit accounts to credit bureaus. Closing a credit card can lower your score slightly because it reduces your total available credit, which can raise your credit utilization ratio. The impact is usually small and temporary.
Can I reopen a closed Chase account?
If you close an account and change your mind within a short window (usually 30 days), you may be able to reopen it by calling customer service. After that, you'll have to open a new account. There's no penalty for reopening, but you'll get a new account number.
What if I have a pending check or automatic payment after I close?
Transactions that clear after closure will be rejected, and the sender will get the money back. You'll be responsible for any overdraft fees. Cancel automatic payments and wait for checks to clear before closing. If a payment bounces, contact the biller to resubmit it from your new account.
Do I need to destroy my debit card after closing?
Yes, cut up or shred your debit card after the account closes. The card will stop working immediately, but destroying it prevents accidental use or fraud. If you have multiple cards linked to the account, destroy all of them.
How long does it take for a closed account to stop appearing on my statements?
The account will stop appearing on your online banking within a few days of closure, but Chase may continue to send paper statements for one or two billing cycles. You can request that they stop by calling customer service or adjusting your statement preferences in the app.