You can close a Chase savings account by phone, in person, or online, depending on your account type and whether you have a balance

The fastest way to close a Chase savings account is to call Chase customer service at 1-800-935-9935. Have your account number ready. A representative will confirm your identity, check for any remaining balance, and process the closure. If you have money in the account, Chase will ask how you want it sent — they can mail a check, transfer it to another Chase account, or move it to an external bank account if you provide routing and account numbers.

If you prefer not to call, you can also close the account in person at any Chase branch. Bring a government-issued ID and your account number. A banker will handle the closure and the balance the same way. Online closure is not available for savings accounts through the Chase mobile app or website, so phone or branch visit is necessary.

There is no fee to close a savings account with Chase. The process typically takes a few minutes over the phone or at a branch, though it may take several business days for a mailed check to arrive or for a transfer to post to another bank.

Key Takeaways

  • Call 1-800-935-9935 with your account number ready, or visit a Chase branch in person with a government-issued ID to close your savings account.
  • Chase will send any remaining balance by check, transfer it to another Chase account, or move it to an external bank account if you provide the routing and account numbers.
  • Closing a savings account costs nothing and takes a few minutes, though receiving a mailed check may take several business days.
  • If you have automatic transfers or bill payments linked to the account, cancel or redirect them before closure to avoid failed transactions.
  • After closure, Chase will stop charging any monthly maintenance fees, though you may still receive statements or tax documents for a short period.

What to do before you close the account

Before calling or visiting a branch, check whether you have any automatic transfers or recurring payments tied to the savings account. If you receive direct deposits or have set up automatic bill payments from this account, those will fail once it closes. Log into your Chase account online or through the app and review the account settings to see what is linked.

If you have automatic transfers scheduled — for example, a weekly move from checking to savings — cancel those through your Chase account settings or by calling customer service. If the savings account receives direct deposits, update your employer or benefit provider with your new account number before closure. For any bills paid from this account, change the payment method in each biller's system or set up the payment from a different account.

Check your account balance and decide how you want the money sent. If the balance is small, a mailed check is fine. If it is large or you need the money quickly, request a transfer to another bank account — you will need the routing number and account number of the receiving bank ready when you call or visit.

Closing by phone

Call Chase customer service at 1-800-935-9935. You will be asked to verify your identity by providing your Social Security number, date of birth, and possibly a PIN or answers to security questions. Have your account number available to speed up the process.

Once verified, tell the representative you want to close your savings account. They will confirm the current balance and ask how you want it handled. If you choose a transfer to another bank, provide the routing number and account number. If you choose a check, confirm the mailing address on file. The representative will process the closure immediately.

Ask the representative for a confirmation number. This is useful if you need to follow up later or if there is a delay in receiving your balance. The account will be closed within a few minutes, though it may take one to three business days for the closure to fully process in Chase's system.

Closing in person at a Chase branch

Visit any Chase branch during business hours with your government-issued ID (driver's license, passport, or state ID) and your account number if you have it. A banker will pull up your account and confirm your identity.

Tell them you want to close the savings account. They will show you the balance and ask how you want it sent — by check, transfer to another Chase account, or transfer to an external bank. If you choose an external transfer, provide the routing and account numbers. If you choose a check, confirm the address where it should be mailed.

The banker will process the closure on the spot and give you a receipt. Keep this receipt as proof of closure. The account will close immediately, though the balance may take a few business days to arrive depending on the method you chose.

What happens to your balance and any fees

Chase will not keep any remaining balance. You must receive it by one of the three methods: mailed check, transfer to another Chase account, or transfer to an external bank account. If you do not specify a method, the representative will ask you to choose before processing the closure.

A mailed check typically arrives within five to seven business days, depending on mail speed. A transfer to another Chase account usually posts within one business day. A transfer to an external bank account may take one to three business days, depending on the receiving bank's processing time.

Chase does not charge a fee to close a savings account. However, if your account has a monthly maintenance fee (such as $5 or $12 depending on the account type), that fee will stop once the account closes. If you were charged a fee in the current month before closure, it will not be refunded — the closure only stops future fees.

After the account is closed

Once closed, you will not be able to access the account online or through the Chase app. Any debit card linked to the account will stop working. If you have checks for this account, they will no longer be valid — destroy them or contact Chase if you need confirmation that they will not clear.

You may still receive statements or tax documents (such as a 1099-INT if the account earned interest) for a short period after closure. These are normal and do not mean the account is still open. Keep them for your records.

If you closed the account because of a problem — such as unwanted fees or poor service — you can open a new Chase savings account at any time by visiting a branch, calling customer service, or applying online. There is no waiting period between closing and opening a new account.

What to do if you cannot reach Chase or the closure does not process

If you call and cannot reach a representative, try calling during business hours (typically 8 a.m. to 9 p.m. Eastern Time, Monday through Friday, and 9 a.m. to 6 p.m. on Saturday). Wait times are usually shorter early in the morning or mid-week.

If you closed the account in person but the balance has not arrived after the expected timeframe, call customer service with your confirmation number from the branch receipt. They can track the balance and tell you where it is in the process. If a check was mailed, they can issue a replacement. If a transfer was initiated, they can confirm whether it posted to the receiving bank and troubleshoot if it did not.

If you believe the account was closed in error or you want to reopen it, contact Chase immediately. Reopening a recently closed account is usually possible, though the process depends on how long ago it was closed and whether the balance has already been sent out.

Frequently Asked Questions

Can I close my Chase savings account online?

No. Chase does not offer online closure for savings accounts through the website or mobile app. You must call 1-800-935-9935 or visit a branch in person. This is different from some other banks that allow online closure for certain account types.

What if I have a negative balance or owe Chase money?

If your account is overdrawn, you cannot close it until the negative balance is paid. Contact Chase to find out the exact amount owed, then deposit funds to bring the account to zero or positive before attempting closure again.

How long does it take for my balance to arrive after I close the account?

A mailed check typically arrives in five to seven business days. A transfer to another Chase account posts within one business day. A transfer to an external bank takes one to three business days depending on the receiving bank. Ask the representative for an estimate when you close.

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, loans, and lines of credit impact your credit.

Can I close the account if I still have pending transactions?

Chase will close the account even if there are pending transactions, but it is safer to wait until all pending items have cleared. If a transaction posts after closure, Chase will handle it through the closed account, which may result in overdraft fees or delays. Check your recent activity before closing to make sure nothing is still processing.