You can close most Chase accounts online through your account settings, but some account types require a phone call or branch visit
Chase lets you close checking and savings accounts through their website or mobile app without visiting a branch. Log into your Chase account, go to your profile or account settings, find the option to close the account, and follow the prompts. The process takes a few minutes, but Chase will ask you to confirm your identity and may require you to transfer or withdraw your remaining balance first.
Some account types—like business accounts, credit cards, or accounts with outstanding issues—cannot be closed online. If you hit a dead end in your account settings, you will need to call Chase customer service at 1-800-935-9935 or visit a branch in person.
Key Takeaways
- Chase checking and savings accounts can usually be closed online through your account settings or mobile app without a branch visit.
- You must have a zero balance or transfer your money out before closing; Chase will not close an account with funds still in it.
- Business accounts, credit cards, and accounts with holds or disputes cannot be closed online and require a phone call or branch visit.
- After you close the account, Chase will send you a confirmation letter in the mail within one to two weeks.
- If you have pending transactions or direct deposits set up, cancel or redirect them before closing to avoid problems.
Steps to close your account online
Start by logging into your Chase account on the website or mobile app. On the website, click on your profile icon or account menu, usually in the top right corner. Look for a settings or account management section. On the mobile app, tap the menu icon (three horizontal lines) and scroll to find account settings or preferences.
Once you are in your account settings, search for an option labeled "Close Account," "Account Closure," or "Manage Account." The exact wording varies depending on your account type and which version of the Chase website or app you are using. Click or tap that option. Chase will ask you to confirm your identity by answering security questions or entering a code sent to your phone or email.
Before Chase will let you close the account, you must have a zero balance. If you have money in the account, transfer it to another bank account or withdraw it in cash. Chase will not close an account with any remaining funds. Once your balance is zero, complete the closure request. Chase will send you a confirmation email immediately and a paper confirmation letter within one to two weeks.
When you cannot close your account online
Chase business accounts, including sole proprietorships and LLCs, cannot be closed through the website or app. You must call Chase business banking at 1-800-955-9060 or visit a branch with the account holder and any authorized signers present.
Credit cards are closed differently than deposit accounts. If you want to close a Chase credit card, you cannot do it through your deposit account settings. Instead, call the number on the back of your card or go to your credit card account page and look for a closure option there. Closing a credit card is a separate process from closing a checking or savings account.
If your account has a hold, freeze, or dispute on it, Chase will not let you close it online. You must resolve the issue first by calling customer service or visiting a branch. The same applies if you have pending direct deposits, automatic payments, or other transactions that have not yet cleared.
What to do before closing your account
Cancel or redirect any automatic payments or recurring transfers linked to the account you are closing. Log into each service that pulls money from your Chase account—utilities, subscriptions, loan payments, insurance—and update the payment method or account number. This prevents payments from failing after you close the account.
If you receive direct deposits, update your employer or benefits provider with your new bank account information. Social Security, tax refunds, paychecks, and other regular deposits will bounce if they try to land in a closed account. Give yourself at least one pay cycle to make sure the new account is set up and working before you close the old one.
Check your account for any pending transactions. Debit card purchases, checks you have written, or transfers you initiated may still be processing. Wait for these to clear before closing. If you close the account while transactions are pending, they may fail or cause overdraft fees.
What happens after you close your account
Once your account is closed, you lose access to it immediately. You cannot make deposits, withdrawals, or transfers. Any debit card linked to that account will stop working. If you have checks printed for that account, they will bounce if anyone tries to cash them after closure.
Chase will keep a record of your closed account for your own reference. You can still view closed account history in your Chase profile for a limited time, which is useful if you need to look up old transactions for tax or record-keeping purposes. However, you cannot reopen the account once it is closed.
If you owe Chase money—overdraft fees, negative balance, or other debts—closing the account does not erase what you owe. Chase will pursue collection or may offset the debt against other accounts you hold with them. Pay any outstanding balance before closing.
If you need to close your account by phone
Call Chase customer service at 1-800-935-9935 for deposit accounts or 1-800-955-9060 for business accounts. Have your account number, Social Security number, and a form of ID ready. Tell the representative you want to close your account. They will verify your identity, confirm your balance is zero, and process the closure over the phone.
The phone process takes about 10 to 15 minutes. You will receive a confirmation number and a confirmation letter in the mail. If you are calling outside business hours, you can leave a message, but a representative will not process the closure until they reach you during regular hours.
Closing your account at a Chase branch
Visit any Chase branch with a valid photo ID and your account number. Tell the teller you want to close your account. They will verify your identity, check your balance, and process the closure at the counter. If you have cash in the account, they can withdraw it for you on the spot. If you prefer a check, they can issue one, though it may take a few days to receive it.
Bring any debit cards linked to the account so you can turn them in or destroy them. The teller will note this in the system. If you have checks printed for the account, ask the teller to flag them as invalid in the system to prevent them from being cashed after closure.
Frequently Asked Questions
Can I reopen a Chase account I just closed?
No. Once you close an account, it cannot be reopened. If you change your mind, you must open a new account. This is treated as a new account for all purposes, including any sign-up bonuses or promotional rates that may no longer apply.
What if I close my account but still have a pending check or transfer?
Pending transactions may still process after closure. If a check or transfer clears after your account is closed, it will bounce or fail. Contact the sender or payee to cancel the transaction before you close the account, or wait until it clears first.
Will closing my Chase account hurt my credit score?
Closing a deposit account (checking or savings) does not affect your credit score. Credit scores only track credit accounts like credit cards and loans. However, closing a credit card can lower your score by reducing your available credit, so think carefully before closing a Chase credit card.
How long does it take Chase to close my account after I request it?
The account closes immediately after you complete the online request or hang up the phone with a representative. You lose access right away. The confirmation letter arrives in the mail within one to two weeks, but the account is already closed.
Do I need to visit a branch to close my account if I have a negative balance?
You cannot close an account with a negative balance online. You must pay the negative balance first, then close the account. If you cannot pay online, visit a branch or call customer service to settle the balance before closure.