You cannot close a Chase account entirely through their website or mobile app—you must call or visit a branch

Chase does not offer a full account closure option in online banking. If you want to close a checking or savings account, you have three routes: call Chase customer service at 1-800-935-9935, visit a Chase branch in person, or use Chase's secure message system within your online account to request closure. Phone is fastest—most closures take 5 to 10 minutes on the call itself.

Before you close, make sure your account balance is zero. If you have money in the account, Chase will not close it until you withdraw or transfer the funds. If the account is overdrawn (negative balance), you must pay the amount owed first. Once the balance is settled, the closure itself is immediate, though it may take a few business days for the account to stop appearing in your online banking.

Key Takeaways

  • Call Chase at 1-800-935-9935 to close an account; online banking does not have a closure option.
  • Your account balance must be zero before Chase will close it—withdraw or transfer any remaining funds first.
  • If your account is overdrawn, pay the negative balance before requesting closure.
  • Account closure is immediate once approved, but may take a few business days to disappear from your online view.
  • Bring your account number and ID if you close in person at a branch; have them ready if you call.

What to do before you call or visit

Gather your account number and a government-issued ID. If you are calling, have these ready so the representative can pull up your account quickly. If you are visiting a branch, bring both items with you.

Check your account balance online. Log into Chase.com or the Chase mobile app, find your account, and confirm the balance is exactly zero. If you have pending transactions or scheduled transfers, wait for them to clear before closing. Pending items can complicate closure and may delay the process.

If you have automatic bill payments or direct deposits set to this account, change them now. Log into each service (your employer's payroll system, utility companies, subscription services) and update the account information to a different bank account or payment method. Chase will not redirect these payments after closure, and missed payments can damage your credit or result in late fees.

How to close by phone

Call Chase customer service at 1-800-935-9935. You will reach an automated system first. Press the option for account services or account management, then select the option to speak with a representative. Wait times vary by time of day; calling early morning or mid-week typically means shorter holds.

When you reach a representative, say you want to close your account. They will ask for your account number and verify your identity by asking security questions or requesting the last four digits of your Social Security number. Answer these questions, then confirm the account balance is zero. If it is not, the representative will tell you how much you need to withdraw or transfer before closure can proceed.

Once the balance is confirmed at zero, the representative will process the closure. They will give you a confirmation number—write it down. Ask them to confirm the account is closed and when it will stop appearing in your online banking (usually within one to three business days). Keep the confirmation number for your records in case you need to reference the closure later.

How to close in person at a branch

Find your nearest Chase branch using the branch locator on Chase.com. Go during business hours with your account number and government-issued ID. Tell the teller or banker you want to close your account.

The banker will pull up your account and check the balance. If it is zero, they will process the closure on the spot. If you have money in the account, they will offer to transfer it to another account or issue a check. If the account is overdrawn, they will tell you the amount owed and ask you to pay it before closure. Once everything is settled, the closure is immediate.

Ask for a written confirmation of the closure. Some branches print this automatically; others require you to request it. This document shows the account number, closure date, and final balance, and is useful to keep for your records.

Using secure message to request closure

Log into Chase.com and look for the secure message option, usually labeled "Contact Us" or "Messages" in your account menu. Compose a message to Chase stating you want to close your account and include your account number. Chase will respond within one to two business days with next steps.

This method is slower than calling or visiting in person, and Chase may ask you to call or visit a branch anyway to verify your identity before processing. Use this route only if you cannot call or visit during business hours and do not mind waiting several days.

What happens after your account closes

The account stops accepting deposits and withdrawals immediately. Any checks you wrote against this account will bounce if they have not cleared yet. If you wrote checks before closing, contact the recipients and ask them to deposit or cash them before the closure date, or provide them with a new account number.

The account will disappear from your Chase online banking within one to three business days. If it lingers longer, log out and log back in, or clear your browser cache. If it still appears after a week, call Chase to confirm the closure went through.

Chase will not send you a final statement automatically, but you can request one by calling or visiting a branch. If you need records of transactions from the closed account for tax or legal purposes, ask Chase to provide a statement covering the period you need. This usually takes five to ten business days.

If you have a negative balance or owe Chase money

If your account is overdrawn (negative balance), Chase will not close it until you pay the amount owed. The representative or banker will tell you the exact amount. You can pay it immediately by transferring funds from another Chase account, or by debit card or check if you are in a branch.

If you owe Chase money for overdraft fees, returned checks, or other charges, these must be paid before closure as well. Ask the representative to itemize what you owe so you know the full amount. Once paid, the closure proceeds normally.

Frequently Asked Questions

Can I reopen a Chase account I just closed?

Yes. You can open a new account at any time, either online or at a branch. However, if you closed the account due to a negative balance or unpaid fees, Chase may flag your account and require you to pay those amounts before opening a new one. There is no waiting period to reopen.

What if I have a pending check or transfer when I close?

Pending transactions can complicate closure. Wait for them to clear before requesting closure. If a check or transfer is still pending when you close, contact Chase to find out whether it will process against the closed account or be rejected. Some pending items may bounce after closure.

Do I lose my transaction history after closing?

No. You can still view your transaction history in Chase online banking for a period after closure, usually 12 to 24 months. If you need records beyond that, contact Chase and request a statement. Keeping your own records of important transactions is a good practice.

Will closing my account hurt my credit score?

Closing a checking or savings account does not directly affect your credit score. Credit scores are based on credit accounts (credit cards, loans, lines of credit), not deposit accounts. However, if you close an account with an unpaid negative balance, that debt may be reported and could impact your credit.

What if I forget to change my direct deposit before closing?

Your next paycheck will be deposited into the closed account and will likely be rejected or returned to your employer. Contact your employer's payroll department immediately and provide a new account number. They can reissue the deposit to the correct account, though this may take one to two pay periods. In the meantime, contact Chase to see if they can retrieve the rejected deposit.