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 lets you close most checking and savings accounts through their mobile app, website, or by calling customer service at 1-800-935-9935. If you have a credit card, you'll need to pay off the full balance first—Chase won't close an account with an outstanding balance. For investment or brokerage accounts, the process is different and may require more steps. Before you close anything, move your money out, set up direct deposit elsewhere if needed, and make sure no automatic payments are still pulling from the account.

The timeline is usually quick: once Chase processes your request, the account closes within one to three business days. However, you may see pending transactions or holds for up to ten business days after closure, depending on what was in flight when you submitted the request.

Key Takeaways

  • Credit card accounts must have a zero balance before Chase will close them; call 1-800-935-9935 to pay off and request closure in one call.
  • Checking and savings accounts can be closed online through the Chase app or website, or by phone, and the process takes one to three business days.
  • Stop all automatic payments and transfers before closing, or they may fail and trigger overdraft fees on an account that no longer exists.
  • Chase will mail you a final statement showing any remaining balance or refund within 30 days of closure.
  • If you have a joint account, both owners must agree to close it, and Chase may require both signatures or both to call in.

Closing a checking or savings account online or by app

Open the Chase mobile app or log into chase.com, then navigate to the account you want to close. Look for "Account Services" or "Settings" (the exact menu name varies by app version). Select the account, then find the option labeled "Close Account" or "Close This Account." Chase will ask you to confirm and may ask why you're leaving—this is optional to answer. Once you confirm, the account closes immediately in the system, though it may take one to three business days for the closure to fully process.

Before you hit confirm, make sure the account balance is zero. If there's money left, transfer it to another account first. If there's a negative balance (you owe Chase), you'll need to deposit funds to cover it. Chase won't let you close an account with an outstanding balance owed to them.

Closing a credit card account by phone

Call Chase credit card customer service at 1-800-935-9935 and tell them you want to close the account. They'll confirm your identity, review your balance, and process the closure. If you have a balance, you must pay it in full before they'll close the account—you can often do this over the phone by providing a checking account or debit card. Once the balance is zero, they'll close the card immediately.

After closure, you'll still be responsible for any interest or fees that post after the account closes, so ask the representative to confirm the exact payoff amount and whether any pending charges exist. Request a confirmation number for the closure and write down the date and representative's name.

Closing an account in person at a Chase branch

Walk into any Chase branch with a photo ID and ask to close your account. A banker will pull up your account, confirm the balance, and process the closure on the spot. This method works well if you want to hand over a cashier's check to pay off a balance, or if you prefer to handle it face-to-face. Bring your debit card or account number to speed things up.

Branch closures are processed the same way as phone or online closures—the account closes immediately in the system and fully processes within one to three business days. Ask for a receipt or confirmation email before you leave.

What to do before closing your account

Stop all automatic payments and recurring transfers at least five to seven business days before closure. This includes bill pay, subscription charges, paycheck direct deposit, and transfers to other accounts. If a payment tries to post after the account is closed, it will fail and may trigger a returned-payment fee from the merchant or biller, even though the account no longer exists.

Update your direct deposit with your employer or benefits provider to point to your new bank account. This takes one to two pay cycles to take effect, so do it as soon as you decide to close. If you have pending checks or ACH transfers that haven't cleared yet, wait for them to post before closing, or contact the sender to cancel them.

Review your recent statements for any subscriptions or recurring charges you may have forgotten about. Search your email for receipts from the past three months to catch anything that might still be charging the account.

What happens to your money and statements after closure

Any remaining balance in a checking or savings account will be mailed to you as a check within 30 days of closure. The check is sent to the address Chase has on file, so update your address before closing if you've moved recently. If you're owed a refund from overdraft fees or other credits, that will be included in the check.

Chase will mail you a final statement showing the account activity through the closure date. This statement arrives within 30 days and is important to keep for your records. If you need a copy of statements from before closure, you can request them through the Chase website or by calling customer service—they keep records for seven years.

Closing a joint account

If the account is held jointly with another person, both owners must request closure or both must authorize it. Chase typically requires either both account holders to call in together, or both to sign a written request. Some branches will accept a phone call from one owner if they have a notarized letter from the other owner authorizing closure, but policies vary by branch.

Before closing, discuss with the other owner what will happen to any remaining balance and how to handle any pending transactions. If one owner wants to keep the account open and the other wants to close it, you'll need to remove one owner and convert it to a single-owner account instead.

What to do if you want to reopen the account later

Chase allows you to reopen a closed account within a limited window—usually 30 to 90 days—without a new application. After that window closes, you'll need to open a new account and go through the full application process. If you think you might need the account again soon, consider pausing automatic payments and transfers instead of closing it outright.

If you closed the account and want to reopen it, call 1-800-935-9935 and ask whether the account can still be reopened. Have your account number ready. If it's past the reopen window, you'll open a new account, which takes about 10 minutes over the phone or online.

Frequently Asked Questions

Will closing my Chase account hurt my credit score?

Closing a checking or savings account does not affect your credit score because Chase doesn't report deposit accounts to credit bureaus. Closing a credit card account may have a small impact because it reduces your total available credit, but the effect is usually temporary and minor. Paying off the balance before closure is more important than the timing of the closure itself.

What if I have pending transactions when I close the account?

Pending transactions may still post after closure, and if they do, they'll overdraw the account. Chase may cover them or decline them depending on the transaction type and timing. Contact Chase customer service before closing if you know large pending transactions are in flight, and ask them to hold the closure until those transactions clear.

Can I close a Chase account if I have an outstanding loan or mortgage with them?

Yes, you can close a deposit account even if you have a loan or mortgage with Chase. However, if your loan payments are set to auto-pay from that account, you must update the payment method first or the payments will fail. Contact the loan servicer to change the payment account before you close the deposit account.

How long does it take to close a Chase account?

The account closes immediately when you submit the request online, by phone, or in person. However, it takes one to three business days for the closure to fully process in Chase's system. Pending transactions may continue to post for up to ten business days after closure.

What if I forgot to cancel a subscription before closing my account?

Contact the subscription company directly and ask them to stop charging the account. Explain that the account is closed. They may be able to reverse recent charges if you contact them within 30 to 60 days. If they continue to attempt charges, you can dispute them as unauthorized with your new bank.