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 offers three ways to close an account: calling their customer service line at 1-800-935-9935, visiting a branch in person, or using the Chase mobile app or website if your account is in good standing. The fastest route is usually a phone call, which takes about 10 minutes. In-person closure at a branch gives you a paper receipt and lets you handle any remaining balance immediately. Online closure through the app works only for certain account types and only if you have a zero balance and no pending transactions.
Before you close, you need to know your account balance, have any outstanding checks cleared, and redirect any automatic deposits or bill payments. Chase will not close an account with a negative balance—you must pay what you owe first. If you have a credit card with Chase, closing a checking or savings account does not affect the card, and vice versa.
Key Takeaways
- Call 1-800-935-9935 to close most Chase accounts; the process takes about 10 minutes and works for checking, savings, and money market accounts.
- You must have a zero balance and no pending transactions before closing; if you owe money, you pay it before the account closes.
- Stop automatic bill payments and redirect direct deposits at least a week before closure to avoid failed transactions.
- In-person closure at a Chase branch gives you a receipt and lets you settle any remaining balance on the spot.
- Closing a Chase bank account does not affect any Chase credit cards you hold.
What to do before you call or visit
Start by checking your account balance through the Chase app or website. If the balance is positive, you can proceed. If it is negative (you owe Chase money), you must deposit funds to bring it to zero before closing. Chase will not close an account with an outstanding balance.
Next, identify any automatic payments or recurring charges tied to the account. Log into your Chase account and look for scheduled bill payments, subscription charges, or transfers. Contact each company or service and update your payment method to a different account or card. Do this at least seven days before you plan to close, because some payments may still process after you initiate closure.
Check for pending deposits. If you have direct deposit set up (paycheck, benefits, tax refunds), contact your employer or the agency sending the deposit and provide your new account number if you are moving to another bank. Deposits that arrive after the account closes will bounce back to the sender.
Write down any checks you have written that have not yet cleared. If you are unsure whether a check has cleared, wait until it does before closing the account. Closing an account with outstanding checks can cause those checks to bounce.
Closing by phone
Call Chase customer service at 1-800-935-9935. Have your account number and a government-issued ID ready. Tell the representative you want to close the account and confirm the account type (checking, savings, or money market). They will verify your identity by asking for your Social Security number, date of birth, or answers to security questions you set up when you opened the account.
The representative will confirm your balance one more time and ask how you want to handle any remaining funds. If your balance is positive, they can arrange a check mailed to your address on file, a transfer to another account (at Chase or another bank), or a withdrawal at a branch. If you choose a check, it typically arrives within 7 to 10 business days.
Once you confirm the closure and the method for your remaining balance, the representative will process the closure immediately. Ask them to email or mail you a confirmation letter. This letter serves as proof that the account is closed and can be useful if a charge appears on the account later or if you need documentation for tax or legal purposes.
Closing in person at a Chase branch
Visit any Chase branch with a government-issued ID and your account number. Tell the teller you want to close the account. They will pull up your account, confirm the balance, and verify your identity. If your balance is positive, you can receive the funds as cash, a check, or a transfer to another account on the spot.
In-person closure is useful if you want to handle the balance immediately or if you have questions the teller can answer in real time. The teller will give you a receipt showing the account is closed and the date of closure. Keep this receipt for your records.
If the branch is busy, you may wait 15 to 30 minutes. Calling ahead to ask when the branch is least crowded can save time.
Closing through the Chase app or website
Chase allows online closure for some checking and savings accounts through the mobile app or website, but only if your account has a zero balance, no pending transactions, and no holds. Log into your Chase account, navigate to Settings or Account Management, and look for a "Close Account" or "Account Services" option. Not all account types appear in the app—if you do not see the option, your account cannot be closed online.
If the option is available, select it and follow the prompts. Chase will confirm your balance one final time. Once you submit the closure request, the account closes within one business day. You will receive an email confirmation.
Online closure is fastest if your account is may be able to access, but it offers no way to handle a positive balance. If you have funds remaining, use the phone or in-person method instead.
What happens after you close
Once the account is closed, you cannot use the debit card or make transfers from it. Any automatic payments or direct deposits scheduled for that account will fail. If a company tries to charge the closed account, the transaction will be declined and you may see a failed payment notice.
Chase keeps records of closed accounts for your protection. If a fraudulent charge appears on the account after closure, you can still dispute it by calling customer service. The bank will investigate and may issue a refund if the charge is found to be unauthorized.
Your credit report will show the account as closed. This does not hurt your credit score, but it does appear in your credit history. Lenders can see that you closed the account, though the reason (your choice or the bank's decision) is not visible to them.
If you have a negative balance or owe Chase money
If your account is overdrawn, you must pay the negative balance before Chase will close it. Log into your account to see the exact amount owed, then deposit funds using a transfer from another bank account, a debit card, or cash at a branch. Once the balance reaches zero, you can proceed with closure using any of the three methods above.
If you have unpaid fees or charges on the account, those must also be paid. Chase will not close an account with any outstanding debt to the bank.
Frequently Asked Questions
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 dispute or negative balance, Chase may review your history before approving a new account. There is no waiting period, but the bank may decline if it sees a pattern of problems.
What if I close my account but a check clears after closure?
If a check clears after the account is closed, Chase will still honor it and debit the closed account. The account will go negative. You will receive a notice and must pay the overdraft. To avoid this, wait until all checks have cleared before closing.
Do I lose my transaction history after I close?
No. Chase keeps your transaction history for seven years after closure. You can request statements or transaction records by calling customer service or visiting a branch, even after the account is closed. This is useful for tax records or dispute resolution.
Will closing my Chase checking account affect my Chase credit card?
No. Closing a bank account and closing a credit card are separate actions. Your credit card remains active and unaffected. You can continue using it normally.
How long does it take for a check to arrive if I choose that option?
Chase typically mails a check within 7 to 10 business days after closure. The check is mailed to the address on file for your account. If you do not receive it within two weeks, call customer service to confirm the mailing address and request a replacement check or wire transfer instead.