You cannot close a Chase savings account entirely through their website or mobile app
Chase does not offer a full account closure option in their online banking portal or Chase Mobile app. To close a savings account, you must call Chase customer service at 1-800-935-9935, visit a Chase branch in person, or use Chase's secure message feature within your online account to request closure. The phone route is fastest — most closures are processed the same day you call.
Before you close, move any remaining balance to another account (yours or someone else's). Chase will not hold money after the account closes. If you have pending transactions, direct deposits, or automatic bill payments linked to this account, those will fail once the account is gone. Check your records for anything still running against it.
Key Takeaways
- Call 1-800-935-9935 to close a Chase savings account; online closure is not available through the website or app.
- Transfer your remaining balance before closing, because Chase will not hold money after the account is closed.
- Cancel any automatic payments, direct deposits, or transfers tied to the account before you call.
- Bring your account number and ID if you close in person at a branch; have them ready if you call.
- The account typically closes within one to three business days after you request it.
What to do before you call or visit
Go into your Chase account online and check for any recurring transactions. Look for automatic bill payments, transfers to other accounts, or direct deposits scheduled to hit this savings account. Cancel or redirect each one before you close. If you miss one, the payment will fail and may trigger a late fee from the company you owe money to.
Transfer your remaining balance out. Log into your Chase account, go to the transfer section, and move the money to another Chase account you own, a different bank, or a person you trust. You can also withdraw the full balance in cash at a Chase branch or ATM. Do not leave money sitting in the account when you request closure.
If you have a Chase debit card tied to this savings account, decide what to do with it. Some people keep it linked to a checking account instead; others close it. Ask about this when you call or visit, because the process depends on whether the card is your primary payment card.
How to close by phone
Call 1-800-935-9935 and tell the representative you want to close your savings account. Have your account number and a government-issued ID ready — they will ask for both. The representative will confirm that the account balance is zero and that you have no pending transactions. They will then process the closure.
The call usually takes five to ten minutes. Ask the representative for a confirmation number and write it down. Also ask whether the account will close immediately or within a few business days — Chase typically closes accounts the same day, but it can take up to three business days for the closure to appear in your records.
If you have questions about fees, interest earned, or a 1099 form for tax purposes, ask during this call. Chase will mail a 1099-INT if you earned interest during the year, even after closure. The representative can tell you when to expect it.
How to close in person at a Chase branch
Bring your government-issued ID and your Chase debit card or account number to any Chase branch. Tell a teller you want to close your savings account. They will verify your identity, confirm the account balance is zero, and process the closure on the spot. The whole process takes about ten minutes.
If you want to withdraw your remaining balance in cash during the same visit, bring a withdrawal slip or ask the teller to prepare one. This way you can close the account and take your money in one trip. If the balance is large, call ahead to make sure the branch has enough cash on hand.
Using Chase's secure message feature
Log into your Chase online account, go to the Messages or Contact Us section, and send a secure message requesting account closure. Include your account number and confirm that the balance is zero. A Chase representative will respond within one to two business days and may ask follow-up questions before processing.
This method is slower than calling or visiting in person, so use it only if you cannot make a phone call or get to a branch. You will still need to verify your identity, and Chase may ask you to call to complete the closure even after you message them.
What happens after you request closure
Chase will send you a confirmation letter in the mail within five to ten business days. Keep this letter for your records. If you do not receive it within two weeks, call customer service to confirm the account is closed.
Once closed, you cannot reopen the same account number. If you change your mind and want a Chase savings account again, you will have to open a new one. Any pending transactions or direct deposits will bounce and may be returned to the sender or result in fees from your employer or the company trying to pay you.
If you had overdraft protection linked to this savings account from a Chase checking account, that protection will end. Your checking account will no longer have a backup source for overdrafts, so monitor your balance carefully if you use that checking account.
Frequently Asked Questions
Can I close my Chase savings account if it has a negative balance?
No. You must bring the balance to zero or positive before closure. If the account is negative, you owe Chase money. Call 1-800-935-9935 to discuss payment options. Once you pay the negative balance, you can then request closure.
Will closing my savings account hurt my credit score?
No. Closing a savings account does not affect your credit score because savings accounts are not reported to credit bureaus. Only credit accounts like credit cards and loans appear on your credit report.
What if I have a pending direct deposit scheduled to hit this account?
Contact your employer or the organization sending the deposit and give them your new account number before you close. If a deposit arrives after closure, it will be returned to the sender. You may have to follow up with your employer to resubmit the deposit to your new account.
Do I need to close my debit card when I close my savings account?
Not necessarily. If your debit card is linked to a Chase checking account, it will continue to work. If it is linked only to the savings account you are closing, you should close the card or have Chase relink it to another account. Ask the representative when you call.
How long does it take for the account to fully close?
Most accounts close the same day you request it, but it can take up to three business days for the closure to show in your online account. You will receive a confirmation letter in the mail within five to ten business days.