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'll need to pay off the full balance first — Chase won't close an account with money owed. For investment or brokerage accounts, the process is different and may require more steps. Before you close anything, move your money out, set up direct deposit elsewhere if needed, and make sure no automatic payments are still tied to the account.
The timeline matters: it typically takes 5 to 10 business days for Chase to fully close an account after you request it, though the account becomes inactive immediately. Any pending transactions may still post during that window, so check your balance a few days after closure to make sure nothing unexpected went through.
Key Takeaways
- Call Chase at 1-800-935-9935, use the mobile app, or visit a branch in person to request closure; phone is fastest for most account types.
- Move all your money out of the account before closing and cancel any automatic payments, subscriptions, or direct deposits linked to it.
- Credit card accounts must have a zero balance before Chase will close them; if you owe money, you'll need to pay it off first.
- The account becomes inactive right away but may take 5 to 10 business days to fully close, and pending transactions can still post during that time.
- After closure, keep your account statements and records for at least a year in case you need proof the account is closed or to dispute any charges.
Closing a checking or savings account by phone
Call Chase customer service at 1-800-935-9935 and tell them you want to close your account. Have your account number ready — it's on your debit card or any recent statement. The representative will ask why you're closing (they're required to ask, but your answer doesn't affect whether they'll close it), confirm your identity, and process the closure on the spot.
Ask the representative to confirm the account balance and whether any pending transactions are still processing. If there's money in the account, ask where it will go — Chase can mail you a check, transfer it to another bank account you provide, or deposit it into another Chase account you own. If you have automatic payments set up, ask them to note which ones need to be canceled or moved to a different account. This call usually takes 10 to 15 minutes.
Closing through the Chase mobile app or website
Log into your Chase account on the app or at chase.com. Go to Settings or Account Services (the exact location varies by app version), find the account you want to close, and look for a "Close Account" or "Manage Account" option. You'll be asked to confirm your identity and may need to answer security questions.
The app will show your current balance and ask you to confirm you want to proceed. If there's money in the account, you'll need to transfer it out first — the app won't let you close an account with a balance. After you confirm, the account closes immediately, though it may take a few days for the closure to show on your statements. If you don't see a close option in the app, call customer service instead; some account types can only be closed by phone or in person.
Closing in person at a Chase branch
Bring your ID and debit card to any Chase branch. Tell the teller you want to close your account and provide your account number. They'll pull up your account, confirm the balance, and ask how you want any remaining money handled. You can take cash on the spot, request a check, or transfer the funds to another account.
The teller will also ask about automatic payments and direct deposits. If you have any set up, tell them now so they can note it in the system. The account closes that day, though it may take a few business days to fully process. Ask for written confirmation of the closure — some branches print a receipt, others send it by mail.
What to do before you close your account
Move your money out first. If you're closing because you're switching banks, transfer your balance to your new bank's account. You can do this through an external transfer (which takes 1 to 3 business days) or by withdrawing cash and depositing it elsewhere. Don't wait until the day you close to do this; do it a few days ahead so you know the transfer went through.
Cancel or redirect any automatic payments. Check your recent statements for recurring charges — subscriptions, insurance premiums, loan payments, utilities, anything that comes out automatically. Contact each company and update your payment method to your new bank account or credit card. If you miss this step, payments will fail and you may face late fees or service interruptions.
Change your direct deposit. If your paycheck, benefits, or other regular deposits go to this account, log into your employer's or benefits provider's system and update the account number. This usually takes one pay cycle to take effect, so do it at least a week before you close the account.
Review your recent statements for any charges you don't recognize. If you spot fraud, report it to Chase before closing the account — it's easier to dispute a charge while the account is still active. After closure, disputing becomes more complicated.
Closing a Chase credit card
Credit cards work differently from checking accounts. Call the number on the back of your card or call 1-800-935-9935 and ask to close the card. You must have a zero balance — if you owe money, you need to pay it off first. Chase won't close a card with an outstanding balance.
After you pay off the balance, call and request closure. The representative will confirm your identity and process it. Ask them to note in your account that you requested the closure, so there's a record if Chase tries to reopen it or if you need proof later. The card becomes inactive immediately, but it may take a few days to show as closed on your credit report.
Closing a credit card can affect your credit score because it reduces your total available credit and may raise your credit utilization ratio (the percentage of your credit limit you're using across all cards). If you're concerned about this, you can leave the card open but unused instead of closing it.
What happens after you close your account
The account becomes inactive right away, but Chase takes 5 to 10 business days to fully close it. During this time, any transactions that were pending when you closed may still post. Check your account a few days after closure to make sure nothing unexpected went through. If you see a charge you didn't authorize, contact Chase immediately — they have fraud protection, but you need to report it within a certain window.
Keep your final statements and any closure confirmation for at least a year. You may need them to prove the account is closed if a company tries to charge it, or to dispute a transaction that posted after closure. If Chase sends you a check for your remaining balance, deposit it within 90 days — uncashed checks may be subject to state unclaimed property laws.
The closed account will stay on your credit report for up to 10 years (for checking and savings accounts, it won't appear on your credit report at all, but credit cards will). This doesn't hurt your credit; closed accounts in good standing actually show responsible credit history.
Frequently Asked Questions
Can I reopen a Chase account after I close it?
Yes, but only within a certain window. If you close an account and want to reopen it within 30 days, Chase can usually restore it without requiring a new application. After 30 days, you'll need to open a new account. If the account was closed due to fraud or violation of Chase's terms, reopening may not be possible.
What if I have pending transactions when I close my account?
Pending transactions can still post for several days after closure. Check your account a week later to see if anything unexpected went through. If a charge posts after closure that you didn't authorize, contact Chase fraud department right away — they have different rules for post-closure disputes.
Do I need to close my account in person, or can I do it remotely?
Most checking and savings accounts can be closed by phone or app without visiting a branch. Credit cards must be closed by phone. If you have a business account or investment account, you may need to visit a branch or call a specialized team.
Will closing my Chase account hurt my credit?
Closing a checking or savings account doesn't affect your credit score at all — these accounts don't appear on your credit report. Closing a credit card can temporarily lower your score because it reduces available credit, but the impact usually fades within a few months.
What if Chase won't close my account?
Chase can refuse to close an account if you owe money on it or if there are pending disputes. Pay off any balance first, then request closure again. If they still refuse, ask to speak to a supervisor and ask for the reason in writing. You can also file a complaint with the Consumer Financial Protection Bureau if you believe Chase is acting unfairly.