Close your Chase account by phone, in person, or online depending on the account type
The fastest way to close a Chase bank account is to call Chase customer service at 1-800-935-9935. A representative will confirm your identity, check for pending transactions, and process the closure. If you have a Chase checking or savings account, you can also walk into any Chase branch with your ID and ask to close it in person. Some account types—like certain investment or credit card accounts—may require different steps, which Chase will explain when you call.
Before you close, make sure any automatic payments or direct deposits linked to the account are moved to another bank account. Chase will not automatically redirect these, and missed payments or deposits can create problems weeks after closure. You should also withdraw or transfer any remaining balance, though Chase can issue a check for funds left in the account after it closes.
The account typically closes within one to three business days after you request it, but Chase may hold it open longer if there are pending transactions or disputes. You will receive written confirmation by mail.
Key Takeaways
- Call 1-800-935-9935 or visit a Chase branch in person to close your account; online closure is not available for most account types.
- Move any automatic payments, direct deposits, and recurring charges to another account before closing to avoid missed transactions.
- Withdraw your remaining balance or ask Chase to mail you a check after closure.
- Account closure takes one to three business days, and you will receive written confirmation in the mail.
- If your account is overdrawn or has unresolved disputes, Chase may delay closure until those are resolved.
What to do before you call or visit the branch
Spend a few minutes reviewing what is connected to your Chase account. Log into your online banking or mobile app and look for automatic bill payments, recurring charges, and scheduled transfers. Common ones include insurance premiums, utility bills, loan payments, gym memberships, and subscription services. Write down each one and note the date it is due.
Check your employer's payroll system or contact your HR department to confirm where your direct deposit is going. If it is set to your Chase account, update it to your new bank account at least one week before you close the Chase account. The same applies to any government benefits, tax refunds, or other regular deposits.
If you have a Chase credit card, closing your bank account does not close the credit card. You will need to handle that separately if you want to close it. A closed bank account will not affect your credit card account or your credit score.
How to close by phone
Call Chase customer service at 1-800-935-9935. Have your account number and a government-issued ID ready. The representative will ask you to confirm your identity by answering security questions or providing information from your account.
Tell the representative you want to close the account. They will ask why you are closing it—this is optional information, and you do not have to give a detailed reason. They will then check for pending transactions, overdrafts, or holds on the account. If there are any, they will explain what needs to happen before closure can proceed.
If your account balance is positive, the representative will ask how you want the money handled. You can request a check mailed to your address, or you can provide another bank account number to transfer the funds. If your account is overdrawn, you will need to pay the negative balance before closure.
After the call, you will receive a confirmation letter in the mail within five to seven business days. Keep this letter for your records.
How to close in person at a Chase branch
Bring your ID and your Chase debit card or account number to any Chase branch during business hours. Ask to speak with a banker or customer service representative and tell them you want to close your account.
The representative will verify your identity and check the account status. If there are pending transactions or an overdraft, they will explain what needs to be resolved first. If everything is clear, they will process the closure on the spot.
Ask them to handle your remaining balance the same way you would over the phone—either as a check or a transfer to another account. If you choose a check, ask when it will be mailed and to what address. Get a receipt or written confirmation of the closure before you leave the branch.
What happens to your remaining balance and pending transactions
Any money left in your account after closure will be returned to you. Chase will not keep it. If you did not specify how to receive it during the closure process, Chase will mail a check to the address on file. This check typically arrives within two to three weeks.
Pending transactions—charges that have been authorized but not yet cleared—may still process after your account is closed. This can happen with debit card purchases, online payments, or automatic withdrawals that were scheduled before you closed the account. Chase will attempt to process these against your closed account, and if they cannot, the merchant or biller will be notified that the account is closed.
If a pending transaction does process after closure and overdrafts your account, you may be charged an overdraft fee. To avoid this, wait until you know all pending transactions have cleared before closing, or transfer a small buffer amount to cover them.
If your account is overdrawn or has a negative balance
Chase will not close an account with a negative balance. You must pay the overdraft amount first. If you do not have funds in the account, you can pay by debit card, credit card, or transfer from another bank account during your closure call or visit.
If you owe money because of returned checks, failed transactions, or fees, ask the representative for an exact payoff amount. Some overdraft situations can take a few days to fully resolve, so Chase may ask you to wait before closure is processed.
Once you pay the negative balance, the account can be closed immediately. You will not receive a refund of overdraft fees unless you dispute them separately, which is a different process.
After your account is closed
Your debit card will stop working immediately after closure. Destroy it or cut it up so it cannot be used. If you have checks linked to the account, do not use them—they will be rejected.
Monitor your email and mail for the closure confirmation letter. If you do not receive it within two weeks, call Chase to confirm the account is actually closed. Keep the confirmation letter for your records in case there are questions later.
If you closed the account because of fraud or unauthorized charges, report those separately to Chase's fraud department. Closing the account does not cancel a fraud investigation, and you may still be able to recover money from disputed transactions.
Frequently Asked Questions
Can I close my Chase account online?
Chase does not offer online account closure for most checking and savings accounts. You must call 1-800-935-9935 or visit a branch in person. Some specialty accounts may have different options; ask when you call.
What if I have a pending direct deposit or paycheck?
If your paycheck or benefits are scheduled to deposit after you close the account, they will be rejected and returned to your employer or the paying agency. Update your direct deposit information with your employer or benefits administrator before closing. This can take one to two pay cycles to take effect.
Will closing my Chase bank account affect my credit score?
Closing a checking or savings account does not affect your credit score. Credit scores are based on credit accounts like credit cards and loans, not bank accounts. Closing a Chase credit card may have a small impact on your score, but closing a bank account will not.
How long does it take for my account to fully close?
Most accounts close within one to three business days. If there are pending transactions, disputes, or an overdraft, it may take longer. Chase will send you a confirmation letter by mail once the closure is complete.
What if I change my mind after closing?
If you close your account and then want to reopen it, you can contact Chase to ask about reopening. Whether they will reopen it depends on how long ago it was closed and the reason for closure. There is no may provide they will agree, so do not count on this option.