You can close most Chase accounts online through your profile settings, but the exact steps depend on the account type and whether you have an outstanding balance

Chase lets you close checking and savings accounts through their website or mobile app without calling or visiting a branch. The process takes a few minutes, but you need to handle a few things first: make sure your account balance is zero (or transfer money out), set up direct deposit elsewhere if paychecks go to Chase, and check whether you have any pending transactions or holds on the account. If your account is overdrawn or you owe Chase money, you cannot close it online—you will need to call or visit a branch to settle what you owe first.

Credit card accounts work differently and cannot be closed through the same online process. If you want to close a Chase credit card, you have to call the number on the back of your card or use the message center in your Chase app.

Key Takeaways

  • Your Chase checking or savings account balance must be zero before you can close it online; transfer any remaining money to another bank first.
  • You can close most deposit accounts through Chase.com or the mobile app by going to your account settings, but credit cards require a phone call.
  • If your account is overdrawn or flagged for fraud, you cannot close it online and must contact Chase directly.
  • After you close an account, Chase will send a confirmation email and may mail you a final statement within 30 days.

Steps to close a checking or savings account online

Log into Chase.com or open the Chase mobile app and navigate to the account you want to close. On the web, go to your account details or settings (usually found by clicking your profile icon or the account name). Look for an option labeled "Close Account" or "Account Services"—the exact wording varies by account type. Tap or click it, and Chase will show you a summary of the account and ask you to confirm the closure.

Before you confirm, Chase will display your current balance. If it is not zero, you cannot proceed. Transfer the remaining balance to another bank account using external transfer, or withdraw it in cash at a Chase branch or ATM. Once the balance is zero and any pending transactions have cleared (usually one to two business days), return to the same menu and complete the closure. Chase will send you a confirmation email immediately and a final statement by mail within 30 days.

What to do before you close your account

Stop using the account for any new transactions at least a week before you plan to close it. This gives pending charges time to post and clear. Check whether you have automatic bill payments, subscriptions, or direct deposits linked to this account—you will need to update those with your new bank's routing and account numbers first. If you miss this step, payments may fail or bounce, which can trigger overdraft fees at your old bank or late fees from the company you owe money to.

Review your recent statements to make sure all transactions have posted. If you see a pending charge that has not cleared, wait until it does before closing. Some holds (like those from hotels or rental car companies) can take several days to drop. If you have a Chase debit card linked to this account, it will stop working after closure, so order a new card from your new bank if you have not already.

If your account is overdrawn or has a negative balance

You cannot close an overdrawn account online. If your balance is negative, you owe Chase money, and the account will remain open until you pay what you owe. Call Chase at the number on your statement or visit a branch to settle the debt. Once you have paid the full amount and the balance reaches zero, you can close the account online using the steps above.

If your account is flagged for fraud or suspicious activity, Chase may also block online closure. In this case, you will see an error message when you try to close. Contact Chase directly to resolve the flag before attempting to close again.

Closing a Chase credit card account

Credit card accounts cannot be closed through the online account settings. Instead, call the customer service number on the back of your card. Have your card and account number ready. Tell the representative you want to close the account, and they will walk you through any final questions—such as whether you want to keep the account open for rewards or if you have a balance that needs to be paid off.

If you have a balance on the card, you can close it, but you will still owe the money and will continue to receive statements and interest charges until it is paid. Pay off the full balance before closing if you want to avoid ongoing interest. After closure, Chase will send a confirmation letter in the mail.

What happens after you close your account

Your account will be closed immediately, and you will receive a confirmation email. Any pending transactions that have not yet posted may still go through for a few days after closure—Chase will honor them even though the account is closed. You will receive a final statement by mail within 30 days showing any last charges or deposits.

Once closed, you cannot reopen the same account number. If you change your mind and want to bank with Chase again, you will have to open a new account. Keep your final statement for your records, especially if you need proof of account closure for tax purposes or to show another bank that you have closed old accounts.

Troubleshooting common problems when closing online

If you see an error message saying you cannot close the account, the most common reasons are: your balance is not zero, you have pending transactions, the account is flagged for fraud, or you are overdrawn. Go back to your account details and check the exact balance. If it shows zero but the system still will not let you close, wait 24 hours for pending transactions to fully clear, then try again.

If the "Close Account" option does not appear in your account settings at all, the account type may not support online closure. Some older accounts or accounts with special features (like a linked line of credit) may require a phone call. Call Chase at 1-800-935-9935 or use the message center in your app to request closure if the online option is not available.

Frequently Asked Questions

Will closing my Chase account hurt my credit score?

Closing a checking or savings account does not affect your credit score because those accounts do not report to credit bureaus. Closing a credit card account can have a small impact because it reduces your total available credit, but the effect is usually temporary and minor if you have other open accounts.

Can I close my account if I have a pending direct deposit?

You can close the account, but the direct deposit will fail and bounce back to your employer. Update your direct deposit information with your new bank before you close the Chase account. This usually takes one to two pay periods to take effect, so plan ahead.

What if I closed my account by mistake?

You cannot reopen the same account number. Contact Chase within a few days to see if they can reverse the closure while it is still processing. If it has already been finalized, you will need to open a new account.

Do I need to close my account in person, or can I really do it all online?

Most checking and savings accounts can be closed entirely online if your balance is zero and there are no holds or flags on the account. Credit cards and accounts with complications require a phone call or branch visit.

How long does it take for my account to fully close after I submit the request?

The account closes immediately after you confirm online, and you will receive a confirmation email right away. Your final statement will arrive by mail within 30 days. Any pending transactions may still post for a few days after closure.